bpi platinum rewards mastercard

BPI Platinum Rewards Mastercard

Minimum Annual Income


(P83,333 Monthly)

Interest Rate


Annual Fee


Product Summary

bpi platinum rewards mastercard

BPI Platinum Rewards Mastercard

If you want some oomph to the usual credit card premium features, try the BPI Platinum Rewards Mastercard! Collect reward points fast by earning 1 point for every ₱30 local spend and ₱20 overseas spend. Plus, choose from 54 airlines when converting your points to air miles.

  • Earn 1 reward point for every ₱30 local spend
  • Earn 1 reward point 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
  • Ideal for: frequent travelers looking for premium perks
Existing Credit CardNot Required
Landline numberNot Required
Age21 to 70 years old
Minimum Annual IncomeP1,000,000
Annual FeeP4,000 / year
Annual Fee Waiver Yes
Monthly Effective Interest Rate2%
Cash Advance FeeP200 / %

Is this the right product for you?

Checkout the other credit card listings

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 1 reward point in different, affordable ways

Quickly earn non-expiring reward 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 1 point.

Redeem premium exclusive rewards

The BPI Platinum Rewards Mastercard is kicking its rewards up a notch with the Real Thrills Rewards Premium Catalog. Select your desired reward from several categories like premium exclusives, dining, shopping, and air miles.

Speaking of air miles, instead of just one airline, you have 54 airline partners to choose from when it’s time to claim your free flight. And because your reward points will never expire, you have more chances of obtaining free flights to your dream location.

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 also 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.


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 4 complimentary airport lounge passes solely for you every year to over 1,300 airport lounges all over the world

There are multiple ways to redeem your reward points:

  • Call BPI’s hotline at (+632) 889-10000 for Metro Manila residents and (+632) 1-800-188-89-100 for those outside Metro Manila
  • Email them at help@bpi.com.ph with the subject line “Rewards Redemption”. In the email’s body, write your name, contact number, item code, and number of points for conversion
  • Visit any BPI branch
  • Get in touch with the Branch Manager or Relationship Manager of your preferred BPI branch

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 the 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 providers are excluded.

You can call BPI’s hotline at (02) 8891 0000 or 1-800-188-89100 or send them an email at help@bpi.com.ph to check the status of your application.


Stay with us

Subscribe to us and get the latest news