BPI Omni Card: fees, interest and requirements
The BPI Omni Card has a monthly membership fee of ₱250, waived in the first year and charges 3% a month on unpaid balances.
Verdict: Skip it if you are not in the group the bank issues it to or if its perks are worth less than ₱3,000 a year to you.
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, plus a year of fees: ₱4,212. Not ranked, because not everyone can apply for it.
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 Omni Card gives you
- Earn triple (x3) BPI points for every PHP 50 online spend. BPI card page
- Online Fraud Protect: Personal cyber protection insurance on your online purchases, covering accidental damage and goods that arrive incomplete or never arrive same page
Who should get the BPI Omni Card
| If | Then |
|---|---|
| You do not keep a deposit account with BPI | You cannot apply for it. The rewards points card with the lowest yearly fee that anyone can apply for is the EastWest Puregold Always Panalo Visa. |
BPI Omni Card downsides, and what a late payment costs
- BPI offers this card only to select BPI depositors.
- The ₱3,000 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 Omni Card annual fee, interest and charges
| Charge | BPI Omni Card | When, and the rule |
|---|---|---|
| Annual fee | ₱250 a month | Billed monthly: ₱3,000 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 | Not offered | Cash advances are not yet available for BPI Omni and BPI Free+ cards. 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
Who can get it: BPI offers this card only to select BPI depositors. bank page
BPI's hotline and branch channels for existing clients are on the BPI contact page.
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 Omni Card BPI | ₱250 a month first year free | 3% | - | - |
| UnionBank Miles+ Platinum Visa UnionBank | ₱3,000 a year | 3% | ₱4,212 | ₱600,000 a year |
| UnionBank Go Rewards Gold Visa UnionBank | ₱3,000 a year | 3% | ₱4,212 | ₱360,000 a year |
| UnionBank Cebu Pacific Gold UnionBank | ₱3,000 a year | 3% | ₱4,212 | ₱360,000 a year |