BPI credit cards
BPI offers 9 consumer credit cards, with membership fees from ₱1,320 to ₱5,500 a year in total, interest of 2.5% to 3% a month.
For card concerns, call BPI at (+632) 889-10000 or 1-800-188-89-100 (24 hours; press 2 for credit cards. The 1-800 number is toll-free from PLDT landlines outside Metro Manila).
The cheapest BPI card to hold and carry a ₱20,000 balance on for 3 months is the BPI Edge Card at ₱2,532, 23rd of 127 cards open to the public.
Fees and rates as printed on BPI's fee table (dated July 2026); contact and application details from BPI's own site; the interest ceiling is set by the Bangko Sentral ng Pilipinas in BSP Circular No. 1165, s.2023.
BSP supervised: Bank of the Philippine Islands, universal and commercial bank, BSP institution ID 29, is on the BSP Verifier list dated Sep 28, 2026.
BPI credit card hotline and customer service
| Card hotline | (+632) 889-10000 or 1-800-188-89-100 24 hours; press 2 for credit cards. The 1-800 number is toll-free from PLDT landlines outside Metro Manila.BPI contact page |
|---|---|
| Lost or stolen card | (02) 889-10000 or 1-800-188-89100 Report a lost card and request a replacement on the same line. The replacement fee is ₱400.BPI contact page |
| Calling from abroad | +63 2 88910000 24 hours. Use BPI's international toll-free number for your country, or dial +63 2 88910000 if your country is not listed.BPI contact page |
| Other channel | BPI Preferred dedicated line (+632) 7791-0077 bank page |
| Other channel | The "Send us a message" form on BPI's Contact Us page, for card questions, statements, reward redemptions and mobile number changes bank page |
Call only the numbers printed on BPI's own site.
How to apply for a BPI credit card
Where to apply: Apply online on BPI's website; apply at any BPI branch. bank page
Check your BPI application status
In BPI Online, go to Other Services, then Application Status Inquiry, then Credit Card. Or call 889-10000, press 2 for credit cards, then 2 again, and enter your 10-digit application ID. BPI application status
BPI credit card requirements
Documents if you are employed
- One unexpired photo ID, front and back: a Philippine government ID (passport, driver's license, PhilID or ePhilID) or a company ID from an entity registered with the BSP, SEC or IC
- Proof of income, or your latest statement from a credit card with another bank
Which BPI card to pick
| If | Pick | Why | Watch out |
|---|---|---|---|
| You want the lowest cost | BPI Edge Card | Cheapest BPI card on a ₱20,000 balance paid off in 3 months plus a year of fees: ₱2,532. | The ₱1,320 fee is charged every year after the waiver ends. |
| You want a travel and miles card | BPI Rewards Card | Lowest yearly fee among BPI's travel and miles cards: ₱1,550 a year. | The ₱1,550 fee is charged every year after the waiver ends. |
| You want a cash back card | Petron BPI Card | Lowest yearly fee among BPI's cash back cards: ₱1,550 a year. | The ₱1,550 fee is charged every year after the waiver ends. |
Every BPI card open to the public carries a yearly fee; these cards from other banks do not.
Every BPI card compared
| Card | Annual fee | Interest a month | Minimum income | Cash advance fee | Fee waiver | Source |
|---|---|---|---|---|---|---|
| BPI Free+ Card Depositors only | No annual fee | 2.5% | - | Not offered | Depositors only | BPI credit card fees and charges |
| BPI Edge Card | ₱110 a month | 3% | - | ₱200 | Waived in the first year only | BPI credit card fees and charges |
| BPI Rewards Card | ₱1,550 a year | 3% | - | ₱200 | Waived in the first year only | BPI credit card fees and charges |
| Petron BPI Card | ₱1,550 a year | 3% | - | ₱200 | Waived in the first year only | BPI credit card fees and charges |
| BPI Amore Cashback Card | ₱2,050 a year | 3% | - | ₱200 | Waived in the first year only | BPI credit card fees and charges |
| Robinsons Cashback Card | ₱2,500 a year | 3% | - | ₱200 | Waived in the first year only | BPI credit card fees and charges |
| BPI Omni Card Depositors only | ₱250 a month | 3% | - | Not offered | Depositors only | BPI credit card fees and charges |
| BPI Platinum Rewards Card | ₱4,000 a year | 3% | - | ₱200 | Waived in the first year only | BPI credit card fees and charges |
| BPI Signature Card | ₱5,500 a year | 3% | - | ₱200 | Waived in the first year only | BPI credit card fees and charges |
Source: BPI fees and charges and each card's product page. Networks: Visa, Mastercard. 2 cards are limited to a group of clients and left out of the picks above.
How BPI bills: minimum due, fees and interest
| Minimum amount due | The whole balance if it is ₱850 or less. Above that, 3.57% of the balance not counting this month's new purchases, cash advances and adjustments, with a floor of ₱850, plus 100% of any past-due amount. source |
|---|---|
| Late payment fee | Php 850 or the unpaid minimum amount due, whichever is lower, per occurrence. BPI credit card fees and charges |
| Foreign transactions | 0.85% plus the Mastercard or Visa assessment fee of 1% on the converted amount. 8 cards. BPI credit card fees and charges |
| Foreign transactions | 2% plus the Visa assessment fee of 1% on the converted amount. BPI Free+ Card. BPI credit card fees and charges |
| When the annual fee is billed | BPI bills the membership fee on the card's anniversary date, yearly or monthly, starting after the first year of card ownership. source |
| Annual fee waiver | Every BPI card with a supplementary fee except Corporate, eCredit and Free+: The first supplementary card is free for life; the 2nd to 6th are charged (₱1,125 a year on the Gold Rewards card). bank page |
| Annual fee waiver | New BPI cardholders applying for Petron BPI, BPI Rewards, BPI Gold Rewards, BPI Amore Cashback, Robinsons Cashback or BPI Signature: Double Rewards promo, 19 Aug to 15 Dec 2026: no annual fee for life after a one-time spend of ₱50,000 (₱600,000 for BPI Signature) within the promo period; registration required, and card conversions or upgrades do not qualify. bank page |
| Annual fee waiver | BPI Gold Rewards Card: Free in the first year; ₱2,250 from the second year. bank page |
| Fee table date | July 2026. source |
| BSP ceilings | 36% a year (3% a month) on interest, a 1% a month add-on on instalments, and ₱200 on the cash advance processing fee with no other fee allowed, under BSP Circular No. 1165, s.2023. BSP Circular No. 1165, s.2023 |
To see what a balance costs at BPI's rate, use the credit card interest calculator.
Paying your BPI card, and promos
- BPI app or BPI Online: Pay bills, biller "BPI CREDIT CARD", with your 16-digit card number
- Any BPI branch, in cash or by check payable to BPI with your card number
- Bayad Center, Cebuana Lhuillier, SM payment counters and ECPay outlets including 7-Eleven
- GCash and Coins.ph (Pay Bills)
- Payments post within 3 banking days
Promos change every few weeks. See the current ones on BPI's credit card promos page.
BPI credit card questions
What is the BPI credit card hotline?
(+632) 889-10000 or 1-800-188-89-100 (24 hours; press 2 for credit cards. The 1-800 number is toll-free from PLDT landlines outside Metro Manila). To report a lost or stolen card: (02) 889-10000 or 1-800-188-89100. From abroad: +63 2 88910000. These are the numbers on BPI's own website.
How do I apply for a BPI credit card?
Apply online on BPI's website; apply at any BPI branch.
How do I check my BPI credit card application status?
In BPI Online, go to Other Services, then Application Status Inquiry, then Credit Card. Or call 889-10000, press 2 for credit cards, then 2 again, and enter your 10-digit application ID.
How much is the BPI credit card annual fee, and can it be waived?
Membership fees run from ₱1,320 to ₱5,500 a year in total. 8 cards waive the fee in the first year only. Every BPI card with a supplementary fee except Corporate, eCredit and Free+: The first supplementary card is free for life; the 2nd to 6th are charged (₱1,125 a year on the Gold Rewards card). New BPI cardholders applying for Petron BPI, BPI Rewards, BPI Gold Rewards, BPI Amore Cashback, Robinsons Cashback or BPI Signature: Double Rewards promo, 19 Aug to 15 Dec 2026: no annual fee for life after a one-time spend of ₱50,000 (₱600,000 for BPI Signature) within the promo period; registration required, and card conversions or upgrades do not qualify. BPI Gold Rewards Card: Free in the first year; ₱2,250 from the second year.
What is the BPI credit card interest rate?
2.5% to 3% a month on balances left unpaid after the due date; the BSP cap is 3% a month (36% a year). The minimum amount due is the whole balance if it is ₱850 or less. Above that, 3.57% of the balance not counting this month's new purchases, cash advances and adjustments, with a floor of ₱850, plus 100% of any past-due amount.
How do I pay my BPI credit card bill?
BPI app or BPI Online: Pay bills, biller "BPI CREDIT CARD", with your 16-digit card number; Any BPI branch, in cash or by check payable to BPI with your card number; Bayad Center, Cebuana Lhuillier, SM payment counters and ECPay outlets including 7-Eleven; GCash and Coins.ph (Pay Bills); Payments post within 3 banking days.
What is the best BPI credit card?
On cost, the BPI Edge Card (₱2,532 on a ₱20,000 balance over 3 months plus a year of fees, 23rd of 127 cards open to the public).
Cards and your taxes
Card fees and interest do not lower the tax on a salary: Section 34 of the Tax Code allows no deductions against compensation income. A self-employed cardholder who takes the 40% optional standard deduction gets it in place of itemized expenses, so card charges do not reduce tax there either.