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BPI Credit Cards review

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

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Our verdict

BPI Credit Cards fit you if you want a rewards credit card from a long established Philippine bank, with points that never expire and travel insurance on flights you book with the card. The annual fee is PHP 1,550 and you earn 1 BPI Rewards Point per every PHP 35 spend.

Key facts

Best for
A rewards credit card in the Philippines with points that never expire.
Annual fee
₱1,550 (Source, checked September 26, 2026)
APR
3% (Source, checked September 26, 2026)
Currency conversion fee
0.85% (Source, checked September 26, 2026)
Rewards type
Points (Source, checked September 26, 2026)
Rewards rate
1 BPI Rewards Point per every PHP 35 spend (Source, checked September 26, 2026)
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 (Source, checked September 26, 2026)
Card kind
Credit (Source, checked September 26, 2026)
Legal entity
Bank of the Philippine Islands (Source, checked September 26, 2026)
Headquarters
Philippines (Source, checked September 26, 2026)
Founded
1851 (Source, checked September 26, 2026)
Support channels
Phone, Chat, Help-centre (Source, checked September 26, 2026)
Features
Rewards
Official website
bpi.com.ph

Debit cards

Currency conversion fee
0.85% (Source, checked September 26, 2026)
Free ATM withdrawals
₱0 (Source, checked September 26, 2026)
Card type
Debit (Source, checked September 26, 2026)
Card network
Mastercard (Source, checked September 26, 2026)
Legal entity
Bank of the Philippine Islands (Source, checked September 26, 2026)
Headquarters
Philippines (Source, checked September 26, 2026)
Founded
1851 (Source, checked September 26, 2026)
Support channels
Phone, Chat, Help-centre (Source, checked September 26, 2026)
Features
Rewards

Apps and profiles

Get the app
Google Play
Elsewhere
WikidataWikipediaXLinkedInfacebook.com

Pros and cons

Pros

  • Points on every purchase at 1 BPI Rewards Point per every PHP 35 spend.
  • Travel insurance on flights booked with the card.
  • A carried balance is charged at 3%, below the 20.85% median for credit cards.
  • Support runs on phone, chat and help centre: phone, chat and a help centre.

Cons

  • The annual fee of PHP 1,550 sits above the €11.55 upper quartile of credit cards.
  • Rewards are points rather than cash (points), so what you get back depends on how you redeem them.
  • Support runs on phone, chat and help centre only, so email or branch help is not among the channels.
BPI Credit Cards

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Scored 9.5 / 10 by DebitCue.

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Who it suits

  • You live in the Philippines and want a rewards credit card with points that never expire.
  • You keep a balance on the card and care more about the rate than the annual fee.
  • You book flights with your card and value the travel insurance.

Who should look elsewhere

  • Oney Préstamos ES, where the annual fee is €10, if a lower card fee matters more than points.
  • Amwal, whose annual fee is SAR 0, if you would rather hold a card with no annual fee.

Safety of your money

BPI Credit Cards is regulated in the Philippines by Bangko Sentral ng Pilipinas. The card you spend from is a credit card (credit), so any balance is money you owe and repay with interest, while the paired card is a debit card (debit) that draws on your own balance. Protection on the credit side comes as travel insurance on flights booked with the card (Free travel insurance up to PHP 2 million when booking flights with the card, Installment terms up to 36 months (FlexipayZero, FlexipayLater) and SIP loan credit to cash up to 36 months and cash advance up to 30% of available credit limit).

Who runs it

The card is issued by the Bank of the Philippine Islands, the legal entity behind it (Bank of the Philippine Islands), a Philippine bank trading since 1851 rather than a new entrant. Support runs on phone, chat and help centre, which means a phone line, a live chat and a help centre for fee and reward questions.

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

How much is the annual fee on the credit card?+

The credit card charges an annual fee of PHP 1,550, above the €11.55 upper quartile of credit cards on the site. Worth weighing what the points and the travel cover are worth to you first.

What rate do I pay if I carry a balance?+

A carried balance on the credit card is charged at 3%, below the 20.85% median for credit cards. The rate matters most if you keep a balance from month to month, and least if you clear the card in full.

What do I earn on every purchase?+

Spending on the credit card earns 1 BPI Rewards Point per every PHP 35 spend, and the rewards type is points rather than cash (points). Points go into the BPI Rewards scheme and can be turned into shopping credits, gift vouchers or airline miles, so their value depends on how you redeem them.

Do the points expire?+

The points do not expire, which the card's perk list sets out (Free travel insurance up to PHP 2 million when booking flights with the card, Installment terms up to 36 months (FlexipayZero, FlexipayLater) and SIP loan credit to cash up to 36 months and cash advance up to 30% of available credit limit). Points that keep their value can be saved for a larger redemption, such as a flight, rather than lost while you wait for the right moment.

What other benefits come with the card?+

The perk list includes travel insurance when you book flights with the card, installment terms, a loan drawn against your SIP, a cash advance against part of your available credit limit, and discounts through the Oh My Deals app (Free travel insurance up to PHP 2 million when booking flights with the card, Installment terms up to 36 months (FlexipayZero, FlexipayLater) and SIP loan credit to cash up to 36 months and cash advance up to 30% of available credit limit).

Is my money safe with this card?+

The card is regulated in the Philippines by Bangko Sentral ng Pilipinas. The card you spend from is a credit card (credit), so a balance is money you owe and repay with interest, and the paired card is a debit card (debit) that draws on your own balance.

What does it cost to use the debit card day to day?+

The debit card charges PHP 0 in ATM withdrawal fees, so taking out cash adds nothing. Spend on the credit card in another currency is charged a conversion fee of 0.85%, so foreign purchases cost more than the amount shown.

How do I get help with the account?+

Support runs on phone, chat and help centre, so you can ring the bank, start a live chat or search the help centre. Questions about fees, points or a travel insurance claim can start with any of them.

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

A rewards credit card in the Philippines with points that never expire.

9.5/10See alternatives