Robinsons Cashback Card: fees, interest and requirements
The Robinsons Cashback Card has an annual fee of ₱2,500 a year, waived in the first year and charges 3% a month on unpaid balances.
Verdict: Worth it if the cash back on your own spending comes to more than ₱2,500 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 the ₱2,500 annual fee and a year comes to ₱3,712, 48th lowest of 127 cards open to the public (tied with 13).
BPI's closest card is the BPI Signature Card. Against it, this card costs ₱2,500 a year instead of ₱5,500, 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 Robinsons Cashback Card gives you
- 3% rebate on purchases of PHP 3,500 or more, and 1% on a spend of PHP 1,000 to PHP 3,499, at Robinsons brands and affiliate stores. BPI card page
- 4% cash back at restaurants and on online food delivery same page
- 1% cash back at shops same page
- Up to PHP 20,000 of cash back a year same page
Who should get the Robinsons Cashback Card
| If | Then |
|---|---|
| You pay in full every month and want a cash back card | The Security Bank Wave Mastercard (Security Bank) needs ₱480,000 a year in income and costs ₱2,500 a year less. Pick the Robinsons Cashback Card only if its rewards are worth more than that to you. |
Robinsons Cashback Card downsides, and what a late payment costs
- The ₱2,500 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.
Robinsons Cashback Card annual fee, interest and charges
| Charge | Robinsons Cashback Card | When, and the rule |
|---|---|---|
| Annual fee | ₱2,500 a year Supplementary: ₱1,250 a year | 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 |
|---|---|---|---|---|
| Robinsons Cashback Card BPI | ₱2,500 a year first year free | 3% | ₱3,712 | - |
| Toyota Mastercard Metrobank | ₱2,500 a year first year free | 3% | ₱3,712 | ₱180,000 a year |
| UnionBank Gold Mastercard UnionBank | ₱2,500 a year | 3% | ₱3,712 | ₱360,000 a year |
| PNB Cashback Titanium Mastercard PNB | ₱2,500 a year first year free | 3% | ₱3,712 | ₱120,000 a year |