Credit Cards by BPI
Updated: Apr 16, 2026
You can’t go wrong with the perks you'll get from BPI credit cards, whether it’s reward points, cash back, or travel benefits, among many other perks. Start your BPI credit card application online today!
Why Trust Moneymax?
Annual Fee
0Min. Annual Income
₱ ₱
180,000Interest Rate
3 %Apply through Moneymax and choose from 4 premium rewards
You’ll also receive the following welcome gift(s) directly from the bank
- Earn one (1) reward point for every ₱35 spend
- Avail flexible installment plans with terms up to 36 months
- Free travel insurance wherever you go up to ₱2 million
- Enjoy a variety of year-round discounts and perks
- Ideal for: money-savvy shoppers looking to go cashless
- Free reward points
- Travel insurance
- Installment
- Exclusive discounts
Repayment Details
Interest on Cash Advance: 3 %
Fees
Annual Fee: 0
Cash Advance Service Charge: ₱200
Forex Conversion Rate: 1.85 %
Eligibility
Min. Annual Income: ₱180,000
Minimum Age: 21 years old
Annual Fee
0Min. Annual Income
₱ ₱
480,000Interest Rate
3 %Apply through Moneymax and choose from 4 premium rewards
You’ll also receive the following welcome gift(s) directly from the bank
- Earn one (1) reward point for every ₱35 spend
- Avail flexible installment plans with terms up to 36 months
- Free travel insurance up to ₱10 million
- Enjoy a whole roster of discounts all year round
- Ideal for: cardholders looking for premium perks
- Shopping points
- Travel insurance
- Insurance installment
- Exclusive discounts
Repayment Details
Interest on Cash Advance: 3 %
Fees
Annual Fee: 0
Cash Advance Service Charge: ₱200
Forex Conversion Rate: 1.85 %
Eligibility
Min. Annual Income: ₱480,000
Minimum Age: 21 years old
Annual Fee
₱ ₱
4,000 per yearMin. Annual Income
₱ ₱
1,000,000Monthly Effective Interest Rate
3 %Apply through Moneymax and choose from 4 premium rewards
- Earn 2 BPI points for every ₱30 local spend.
- Earn 2 BPI points for every ₱20 foreign currency spend online and abroad.
- Convert straight payments on airfares to installment with 0% interest.
- Get up to ₱10 million free travel insurance.
- Get up to 180 days of purchase protection insurance.
- Enjoy up to four complimentary airport lounge passes yearly to over 1,300 lounges worldwide when you meet the spend requirement.
- Ideal for: frequent travelers looking for premium perks.
- Free reward points
- Online shopping points
- Airport lounge
- High income requirement
Repayment Details
Cash Advance Monthly Effective Interest Rate : 3 %
Fees
Annual Fee: ₱4,000 per year
Cash Advance Fee: ₱200
Eligibility
Min. Annual Income: ₱1,000,000
Minimum Age: 21 years old
Annual Fee
0Min. Annual Income
₱ ₱
1,200,000Monthly Effective Interest Rate
3 %Apply through Moneymax and choose from 4 premium rewards
You’ll also receive the following welcome gift(s) directly from the bank
- Earn 2 BPI points for every ₱20 spend.
- Get up to ₱20 million free travel accident and inconvenience benefit.
- Enjoy complimentary access for you and one guest at PAGSS international lounges in NAIA 1 and NAIA 3.
- Get exclusive 50% off deals on dining, hotels, resorts, fitness studios, and wellness centers, all year round.
- Ideal for: savvy shoppers and frequent travelers
- Free reward points
- Travel insurance
- Airport lounge
- High income requirement
Repayment Details
Cash Advance Monthly Effective Interest Rate : 3 %
Fees
Annual Fee: 0
Cash Advance Fee : ₱200
Eligibility
Min. Annual Income: ₱1,200,000
Minimum Age: 21 years old
Annual Fee
0Min. Annual Income
₱ ₱
180,000Interest Rate
3 %Apply through Moneymax and choose from 4 premium rewards
You’ll also receive the following welcome gift(s) directly from the bank
- Get up to 4% cash back on supermarkets and department store spend
- Get up to 1% cash back on drugstore and bills payment spend
- Earn up to 0.3% cash back on all other local retail spend
- Enjoy unlimited access exclusive customer and family lounges in Ayala Malls
- One of the lowest forex conversion rates at 1.85%
- Ideal for: cardholders who love saving while shopping
- No-brainer rebate
- Supermarket rebate
- Installment
- Exclusive discounts
Repayment Details
Interest on Cash Advance: 3 %
Fees
Annual Fee: 0
Cash Advance Service Charge: ₱200
Forex Conversion Rate: 1.85 %
Eligibility
Min. Annual Income: ₱180,000
Minimum Age: 21 years old
Annual Fee
0Min. Annual Income
₱ ₱
1,000,000Monthly Effective Interest Rate
3 %Apply through Moneymax and choose from 4 premium rewards
You’ll also receive the following welcome gift(s) directly from the bank
- Get 4% cash back on dining and online delivery spend.
- Get 1% cash back on supermarkets and department store spend.
- Earn up to 0.3% cash back on other international and local retail spend.
- Enjoy exclusive perks and deals at any Ayala Malls nationwide.
- One of the lowest forex conversion rates at 1.85%.
- Ideal for: cardholders who love to shop in-store and online.
- No-brainer rebate
- Dining rebate
- Food delivery
- High income requirement
Repayment Details
Cash Advance Monthly Effective Interest Rate : 3 %
Fees
Annual Fee: 0
Cash Advance Fee : ₱200
Eligibility
Min. Annual Income: ₱1,000,000
Minimum Age: 21 years old
Annual Fee
0Min. Annual Income
₱ ₱
180,000Interest Rate
3 %Apply through Moneymax and choose from 4 premium rewards
You’ll also receive the following welcome gift(s) directly from the bank
- Earn 3% rebate on fuel (maximum of ₱15,000 per year)
- Free ₱200 fuel voucher for first-time cardholders
- Avail of flexible and convenient installment plans
- Convert your credit limit to cash for emergencies
- Ideal for: car owners traversing the road every day
- No-brainer rebate
- Petrol rebate
- No Annual Fee
- Rebate cap applied
Repayment Details
Interest on Cash Advance: 3 %
Fees
Annual Fee: 0
Cash Advance Service Charge: ₱200
Eligibility
Min. Annual Income: ₱180,000
Minimum Age: 21 years old
Annual Fee
₱ ₱
1,320 per yearMin. Annual Income
₱ ₱
180,000Interest Rate
3 %Apply through Moneymax and choose from 4 premium rewards
- Earn one (1) rewards point for every ₱50 spend
- Enjoy flexible installment plans and payment options
- One of the lowest forex conversion rates at 1.85%
- Enjoy deals and discounts all year round from BPI
- Ideal for: young professionals looking for fun perks
- Shopping points
- Installment
- Exclusive discounts
Repayment Details
Interest on Cash Advance: 3 %
Late Payment Charge: ₱850
Fees
Annual Fee: ₱1,320 per year
Cash Advance Service Charge: ₱200
Forex Conversion Rate: 1.85 %
Eligibility
Min. Annual Income: ₱180,000
Minimum Age: 21 years old
Frequently Asked Questions
We all have our reasons when applying for a credit card—visit new places, renovate our homes, or embark on new adventures. Whatever your reason, BPI cards will help you achieve all of these and more by giving you perks you’ll love.
Below are BPI credit card benefits to look out for:
- No Annual Fees on Your First Year - Your first year using and exploring your credit card is exciting until the second year comes along and it's time to pay your annual fees. Forget about it for a year because BPI credit cards have no annual fees for the first year.
- Enjoy Thrilling Rewards - Look forward to redeeming your reward points when you see the Real Thrills Rewards catalog—air miles, shopping, dining, card membership, and investment rewards await you! There’s also the option of converting your rewards into donations to charities. To top it off, reward points are easy to earn, with only ₱20 spend needed to earn 1 reward point.
- Must be at least 21 to 70 years old
- Must be a Filipino with local residence
- Must have an active home phone number (landline or mobile)
- 1 valid ID (SSS, TIN, Passport, Driver’s License, Company ID)
- A copy of a credit card statement from another bank or any of the following proof of income documents:
- 2 months original pay slip
- Original Certificate of Employment and Income (COEI)