Bank of Commerce Gold Mastercard

Updated: Aug 18, 2026
Bank of Commerce Gold Mastercard
Card Benefit
1- points per ₱25
Annual Fee
₱3,000 per year
Min. Annual Income
₱455,000

Highlights

Moneymax's Take

Earn one (1) reward point for every ₱25 spend
Get up to 5x points on dining and shopping spend
Avail 0% interest installment plans up to 36 months

Things to Consider

Installment
Dining points
Shopping points

Benefits

Rewards - Dining Spend
Up to 5 reward points
Rewards - Retail Spend
Up to 5 reward points
Rewards - Base Rate
1 point per ₱25

Fees & Charges

Annual Fee
₱ 3,000 per year
Cash Advance Fee
₱ 200

Monthly Effective Interest Rate
3 %

Eligibility

Min. Annual Income
₱ 455,000
Minimum Age
21 years old

Regular Employee

  • Government-issued ID
  • Signed Certificate of Employment
  • Active landline / mobile phone number
  • Proof of income


Self-Employed

  • Audited Financial Statements
  • Business registration/permits
  • Active landline / mobile phone number

Check on more Bank of Commerce card options

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Promo Code
Annual Fee
₱1500 per year
₱5000 per year
₱6000 per year
Cashback Local
Airmiles Base Rate