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BPI Credit Cards review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

BPI Credit Cards, run by the Bank of the Philippine Islands under Bangko Sentral ng Pilipinas, suits Filipino cardholders who want rewards points and travel cover on a Mastercard. Its published rate of 3% ranks 10 of 138 cards compared.

Key facts

Best for
Filipino cardholders who want a rewards credit card with travel cover and installment plans.
Annual fee
₱1,550↗
APR
3%↗
Currency conversion fee
0.85%↗
Rewards type
Points↗
Rewards rate
1 BPI Rewards Point per every PHP 35 spend↗
Perks
Free travel insurance up to PHP 2 million when booking flights with the card, Installment terms up to 36 months (FlexipayZero, FlexipayLater), SIP loan credit-to-cash up to 36 months and cash advance up to 30% of available credit limit, Non-expiring BPI Rewards Points redeemable for shopping credits, gift vouchers and airline miles, Discounts and freebies via the Oh My Deals! app↗
Card kind
Credit↗
Legal entity
Bank of the Philippine Islands↗
Headquarters
Philippines↗
Founded
1851↗
Support channels
Phone, Chat, Help-centre↗
Features
Rewards
Official website
bpi.com.ph

Debit cards

Free ATM withdrawals
₱0↗
Card type
Debit↗
Card network
Mastercard↗

Facts checked September 26, 2026, 7 sources

Apps and profiles

Get the app
Google Play
Elsewhere
WikidataWikipediaXLinkedInfacebook.com

Pros and cons

Pros

  • Spending earns 1 BPI Rewards Point per every PHP 35 spend, and the points are described as non-expiring, redeemable for shopping credits, gift vouchers and airline miles.
  • A currency conversion fee of 0.85% sits under the compared median of 2% for credit cards.
  • The credit card bundles travel cover when flights are booked with it, installment plans for larger purchases, and discounts through the Oh My Deals! app.
  • The same bank issues a Mastercard debit card with ATM withdrawal fees of PHP 0.

Cons

  • The annual fee of PHP 1,550 places it 251 of 312 cards compared on price.
  • Foreign purchases still cost 0.85% in conversion each time.
  • Support runs on phone, chat and help centre only.
BPI Credit Cards

Ready to try BPI Credit Cards?

Scored 9.4 / 10 by SumCue.

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Who it suits

  • Filipino residents who want a Mastercard credit card with points and travel cover.
  • People paying in Philippine pesos who travel and can live with a conversion fee of 0.85%.
  • Shoppers splitting bigger purchases, since the card carries installment plans.

Who should look elsewhere

  • Anyone who wants no yearly card charge: bunq lists an annual fee of €0.
  • Cardholders who prefer a secured card over a points card, where the Varo Believe Secured Credit Card has an annual fee of $0.
  • Readers who want a fee-free holder, since Wise lists an annual fee of £0.

How BPI Credit Cards compares

Where BPI Credit Cards is available

Available
Philippines, United Kingdom
Licence in Philippines
Bangko Sentral ng Pilipinas, checked September 26, 2026
Licence in United Kingdom
Financial Conduct Authority, checked September 26, 2026
Licence in United Kingdom
Prudential Regulation Authority, checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does the BPI credit card cost to hold?+

The credit card carries an annual fee of PHP 1,550, a fixed yearly charge on top of spending. That places it 251 of 312 cards compared on price. Cards such as bunq and Wise list an annual fee of €0 and £0 for comparison.

What rate applies if I carry a balance?+

The bank publishes a rate of 3% on its card plans, below the site median of 15.5% and ranked 10 of 138 cards compared on rate. Card pricing can change, so read the current schedule before carrying a balance.

Is there a fee for spending abroad?+

Spending in another currency carries a conversion fee of 0.85%. That sits under the compared median of 2% for credit cards, though it is not waived. Cards on fee-free plans would suit heavier travel spend better.

How do the rewards work?+

Spending earns 1 BPI Rewards Point per every PHP 35 spend, and the points are described as non-expiring. They redeem for shopping credits, gift vouchers and airline miles rather than cash refunds, so the value depends on how you spend them. Points make up a minority of rewards across the compared cards.

What perks come with the card?+

The card adds travel cover when flights are booked with it, installment plans for larger purchases, and a cash advance against part of your available limit. Discounts and freebies also run through the Oh My Deals! app, and points can be turned into airline miles.

Who regulates BPI Credit Cards?+

The cards come from the Bank of the Philippine Islands, a Philippine bank founded in 1851 and supervised by Bangko Sentral ng Pilipinas, the country's central bank. The brand is based in the Philippines, so its fees and rates are set for that market rather than a UK or European one.

How do I reach BPI for help?+

Help runs on phone, chat and help centre, so most questions on the account or the card can be raised by phone, in chat or through the help centre. Email is not among the channels listed, which matters if you prefer writing. Phones and chat are common among compared cards.

Does BPI have a debit card, and are ATM withdrawals free?+

BPI also issues a Mastercard debit card, listed as a debit card, and its ATM withdrawal fee is PHP 0, so nothing is charged at cash machines. Cardholders who want everyday spending without a credit facility have that option alongside the credit card.

Sources

  • bpi.com.ph checked September 26, 2026

    Backs: Legal entity, Support channels, Licences

    “Corporate office Bank of the Philippine Islands, Ayala Triangle Gardens Tower 2, Paseo de Roxas corner Makati Avenue, Makati City 1226”

  • bpi.com.ph/about-bpi/overview checked September 26, 2026

    Backs: Founded, Headquarters

    “Founded in 1851, Bank of the Philippine Islands is the first bank in the Philippines and in the Southeast Asian region.”

  • bpi.com.ph/personal/cards/credit-cards/bpi-blue-mastercard checked September 26, 2026

    Backs: Annual fee, Card kind, Features, Perks, Rewards rate, Rewards type

    “Free annual membership fee on first year. Php 1,550 from the second year onwards.”

  • bpi.com.ph/personal/cards/credit-cards/rates-and-fees checked September 26, 2026

    Backs: APR, Currency conversion fee

    “Finance Charge or Nominal Interest Rate ... BPI Rewards Card ... 3% (2.73% effective interest rate per month)”

  • bpi.com.ph/personal/cards/debit-cards/debit-mastercard checked September 26, 2026

    Backs: Card network

    “BPI Debit Mastercard - Pay with your card in stores, wherever BancNet or Mastercard is accepted in the Philippines”

  • bpi.com.ph/personal/cards/debit-cards/debit-mastercard/te... checked September 26, 2026

    Backs: Card type

    “A Debit Card is a payment and withdrawal card that allows a depositor of a banking institution within the BPI group of Companies to access his or her deposit funds through Point-of-Sale (POS)...”

  • bpi.com.ph/personal/cards/debit-cards/fees checked September 26, 2026

    Backs: Free ATM withdrawals

    “BPI Debit Mastercard - BPI ATMs: Withdrawal: Free”

Compiled from 8 source pages, checked September 26, 2026. We did not open an account.

BPI Credit Cards

BPI Credit Cards

Filipino cardholders who want a rewards credit card with travel cover and installment plans.

9.4/10See alternatives