BPI Platinum Rewards Mastercard

Get a taste of premium perks with the BPI Platinum Rewards Mastercard. Enjoy a generous rewards program for local and overseas spend, plus 0% interest in installment plans. Apply now!

Minimum Annual Income

P1,000,000

(P83,333 Monthly)

Interest Rate

Annual Fee

P4,000

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Product Summary

BPI Platinum Rewards Mastercard

If you want some oomph to the usual credit card premium features, try the BPI Platinum Rewards Mastercard! Collect BPI points fast by earning 2 points for every ₱30 local spend and ₱20 overseas spend. Plus, pick from 54 airlines when converting your points to air miles.

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

Existing Credit Card	Not Required
Landline number	Required
Age	21 to 60 years old
Minimum Annual Income	P1,000,000

Regular Employee

Government-issued ID
Valid TIN / SSS / GSIS or UMID number
Active landline / mobile phone number	Business or residence phone number
Signed Certificate of Employment
Proof of income	Latest 2 months payslips or ITR with bank/BIR stamp or for 1 year credit cardholders, a copy of your credit card statement from another bank.

Self-Employed

Government-issued ID
Valid TIN / SSS / GSIS or UMID number
Active landline / mobile phone number	Business or residence phone number
Audited Financial Statements	With BIR/bank stamp
Proof of income	Latest ITR with BIR/bank stamp

Annual Fee	P4,000 / year
Annual Fee Waiver	Yes
Monthly Effective Interest Rate	3%
Cash Advance Monthly Effective Interest Rate	3%
Cash Advance Fee	P200 / %

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Why Choose BPI Platinum Rewards Mastercard?

The BPI Platinum Rewards Mastercard will bring a smile to your face with every swipe because of its generous rewards program and more than your typical rewards and perks. Find out more in this short review.

Earn 2 BPI points in different, affordable ways

Quickly earn BPI points with the BPI Platinum Rewards Mastercard’s low spend requirement and different options to collect points. For every ₱30 local spend or ₱20 foreign currency spend online and abroad, you’ll receive 2 points.

Pay for your airline ticket in 0% interest installment

Most credit cards offer installment plans for the usual high-ticket items. But have you heard of installment plans for airfares? Yes, it’s possible with BPI’s 0% interest in installment on airfares via SIP Loan! Convert your straight payment to installment without any interest, payable in up to 6 months.

Get up to ₱10 million complimentary travel insurance

Enjoy a stress-free vacation knowing that the BPI Platinum Rewards Mastercard will keep you safe with its free travel insurance of up to ₱10 million. All you have to do is book your travel ticket using your credit card to automatically get the travel insurance.

Is BPI Platinum Rewards Mastercard the Right Card for You?

If you want to elevate your credit card experience with premium perks, the BPI Platinum Rewards Mastercard is your best pick. Looking for something else? Try these credit card options:

Citi Rewards Card. This credit card earns you non-expiring reward points. It only takes ₱30 spend, including online shopping and food delivery purchases, to earn 1 point.

UnionBank Miles+ Platinum Visa. Book your flight using this credit card to get free travel insurance of up to ₱10 million. Get 1.5 reward points for every ₱25 travel-related spend. That’s 0.5 more points compared to 1 point for every ₱25 spend on other categories.

Metrobank Travel Platinum Visa. Travel enthusiasts like you will love this credit card dedicated to rewarding your travel activities. Every ₱17 overseas and travel spend earns you 1 air mile.

FAQ

Aside from 0% interest installment in airline tickets and free travel insurance, the BPI Platinum Rewards Mastercard has other travel features such as:
Free purchase protection insurance for up to 180 days
Access to 24-hour assistance with Mastercard Travel & Lifestyle Services
Access to exclusive deals with Mastercard Moments
Up to four complimentary airport lounge passes solely for you every year to over 1,300 airport lounges all over the world when you meet the spend requirement

Redeeming your BPI points is easy! Just follow these steps:
Send a message to the Contact Us section of BPI's website at https://www.bpi.com.ph/contactus and provide the following details:
Last 10 digits of your credit card number
Registered email address
Choose ‘Other Concerns’ in the 'What would you like to share?' section
Choose ‘Credit/Prepaid Card Inquiries and Transactions’ in the About section
In the Summary of the Concern section, indicate BPI Rewards Redemption and provide the following information:
Registered email address
Customer Number
Customer Name
Reward Code
Number of BPI Points for conversion

Visit any BPI branch or contact your Branch or Relationship Manager and inform them that you’d like to convert your transaction. Present your Statement of Account and fill out a SIP Loan Application Form. You may also call BPI’s hotline at (02) 8891 0000 or 1-800-188-89100 to get more details before visiting the bank.

Yes, the free travel insurance covers domestic land travel, as long as you pay for your fare using your BPI Platinum Rewards Mastercard. Examples of domestic land travel covered by travel insurance are public buses and rent-a-car services. For rent-a-car, the distance traveled should be at least 60 kilometers. Grab and similar TNVS providers are excluded.