BPI Edge Card: fees, interest and requirements
The BPI Edge Card has a monthly membership fee of ₱110, waived in the first year and charges 3% a month on unpaid balances.
Verdict: Worth it if the points you redeem are worth more than ₱1,320 a year. The first year is free.
From BPI credit card fees and charges, dated July 2026. Interest cap, in force since 2023: BSP Circular No. 1165, s.2023.
₱20,000 repaid in 3 equal monthly payments at 3% a month costs ₱1,212 in interest; add ₱110 a month in membership fees (₱1,320 a year) and a year comes to ₱2,532, 23rd lowest of 127 cards open to the public.
BPI's closest card is the BPI Platinum Rewards Card. Against it, this card costs ₱1,320 a year instead of ₱4,000, earns rewards on different terms and has different perks.
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.
What the BPI Edge Card gives you
- Earn 1 BPI Rewards Point for every Php 50 spend. BPI card page
- 0% instalment and Buy Now Pay Later, with an extra instalment limit BPI calls the Bonus Madness Limit same page
Who should get the BPI Edge Card
| If | Then |
|---|---|
| You pay in full every month and want a rewards points card | The EastWest Puregold Always Panalo Visa (EastWest) needs ₱480,000 a year in income and costs ₱120 a year less. Pick the BPI Edge Card only if its rewards are worth more than that to you. |
BPI Edge Card downsides, and what a late payment costs
- The ₱1,320 fee is charged every year after the waiver ends.
If you pay late: BPI charges up to ₱850, and 3% a month interest runs on what is unpaid. Safe action: pay at least the minimum due by the due date, or the full balance to pay no interest.
BPI Edge Card annual fee, interest and charges
| Charge | BPI Edge Card | When, and the rule |
|---|---|---|
| Annual fee | ₱110 a month | Billed monthly: ₱1,320 over twelve statements. Waived in the first year. First supplementary card free for life. BPI fee table, July 2026 |
| Interest | 3% a month | At the BSP ceiling of 3% a month (Circ. 1165). same table |
| Cash advance | ₱200 a withdrawal plus 3% a month interest | The BSP maximum (Circ. 1165). same table |
| Late payment | ₱850 | same table |
| Foreign transactions | 1.85% | same table |
Figures from BPI credit card fees and charges (dated July 2026). BSP ceilings: BSP Circular No. 1165, s.2023. How BPI words its late-fee, foreign-fee and minimum-due rules, the same on all its cards: BPI billing rules.
Requirements and how to apply
Apply with the button below. Channels, documents, status and hotline: BPI contact and requirements.
Interest on your own balance
- Interest you pay at 3% a month:
- ₱1,212
- Monthly payment:
- ₱7,071
- Total you pay:
- ₱21,212
Against similar cards from other banks
| Card | Annual fee | Interest a month | ₱20,000 over 3 months, plus fees | Minimum income |
|---|---|---|---|---|
| BPI Edge Card BPI | ₱110 a month first year free | 3% | ₱2,532 | - |
| EastWest Puregold Always Panalo Visa EastWest | ₱1,200 a year waived above a spend | 3% | ₱2,412 | ₱480,000 a year |
| PNB Essentials Mastercard PNB | ₱1,200 a year first year free | 3% | ₱2,412 | ₱120,000 a year |
| UnionBank Classic Visa UnionBank | ₱1,500 a year | 3% | ₱2,712 | ₱360,000 a year |