In 2025, Bank of Commerce continues to expand its presence in the Philippine credit card market, offering simple and practical options for everyday users and premium clients alike. Backed by San Miguel Corporation, the bank combines stability with a growing consumer banking portfolio.
As of December 31, 2024, Bank of Commerce reported total assets of approximately ₱285 billion, reflecting its steady growth. With a nationwide branch network and a range of financial services, its credit cards are designed to provide straightforward rewards, flexible payments, and accessible features for Filipino cardholders.
Bank of Commerce Credit Cards Features, Annual Fees, and Minimum Income Requirements
Whether you’re looking for cashback, lifestyle rewards, or premium perks, Bank of Commerce offers credit cards designed for different spending needs.
Let’s explore their features, benefits, and how to choose the right card for your lifestyle.
- Bank of Commerce Credit Cards Features, Annual Fees, and Minimum Income Requirements
- BOC Credit Cards For Travel
- BOC Credit Cards For Rewards
- BOC Credit Card For Installment
- Bank of Commerce Credit Cards Comparison Table
- How to Choose the Right Bank of Commerce Credit Card
- Bank of Commerce Rewards Points Converter
- Bank of Commerce Rewards Converter
- Bank of Commerce Rewards to Miles Converter
- How to Apply for a Bank of Commerce Credit Card
- Frequently Asked Questions (FAQs)
BOC Credit Cards For Travel
Benefits
- 5 Rewards Points = ₱25 spent on department stores and dining merchants
- 1 Rewards Point = ₱25 spent on all other merchants
- Up to ₱5M travel insurance
- Exclusive luxury hotel and restaurant privileges worldwide
- 15% off on personal airport concierge
- 24/7 Mastercard Concierge
Eligibility
- Minimum Income: ₱1,200,000
- Annual Fee:
- Principal: ₱5,000
- Supplementary: ₱2,500
- Forex Fee: 2.5%
Benefits
- 5 Rewards Points = ₱25 spent on department stores and dining merchants
- 1 Rewards Point = ₱25 spent on all other merchants
- Up to ₱2M travel insurance
Eligibility
- Minimum Income: ₱1,200,000
- Annual Fee:
- Principal: ₱4,000
- Supplementary: ₱2,000
- Forex Fee: 2.5%
BOC Credit Cards For Rewards
Benefits
- 5 Rewards Points = ₱25 spent on department stores and dining merchants
- 1 Rewards Point = ₱25 spent on all other merchants
Eligibility
- Minimum Income: ₱120,000
- Annual Fee:
- Principal: ₱1,500
- Supplementary: ₱750
- Forex Fee: 2.5%
Benefits
- 5 Rewards Points = ₱25 spent on department stores and dining merchants
- 1 Rewards Point = ₱25 spent on all other merchants
Eligibility
- Minimum Income: ₱455,000
- Annual Fee:
- Principal: ₱3,000
- Supplementary: ₱1,500
- Forex Fee: 2.5%
BOC Credit Card For Installment
Benefits
- Cash loan up to your maximum credit limit
- 100% cash loan approval
- 1% monthly add-on rate for 12, 24, and 36-month terms
Eligibility
- Minimum Income: ₱120,000
- Annual Fee:
- Principal: ₱200/mo
- Forex Fee: 2.5%
Still undecided? You can also explore our interactive comparison table where you can filter Bank of Commerce cards by features, like travel insurance, rewards, or premium perks.
Looking for a card with travel benefits or outright installment offers? Just use the dropdown filters to quickly find what fits your needs.
Bank of Commerce Credit Cards Comparison Table
| Credit Card | Rewards | Cashback | Lounge Access | Travel Insurance | Annual Fee | 1st Supplementary | Forex Fee |
|---|---|---|---|---|---|---|---|
| BOC Classic Mastercard | ✅ | ❌ | ❌ | ❌ | ₱1,500 | ₱750 | 2.50% |
| BOC Gold Mastercard | ✅ | ❌ | ❌ | ❌ | ₱3,000 | ₱1,500 | 2.50% |
| BOC Platinum Mastercard | ✅ | ❌ | ❌ | ✅ | ₱4,000 | ₱2,000 | 2.50% |
| BOC World Mastercard | ✅ | ❌ | ❌ | ✅ | ₱5,000 | ₱2,500 | 2.50% |
| BOC Cash Installment Card | ❌ | ❌ | ❌ | ❌ | ₱2,400 | NA | 2.50% |
How to Choose the Right Bank of Commerce Credit Card
Selecting the ideal credit card depends on your spending habits and financial goals.
- For Rewards: If you want to earn points on everyday spending, the BOC Classic or BOC Gold Mastercard are good starting options. If you spend more and want added perks, you can upgrade to the BOC Platinum or World Mastercard.
- For Cashback: Frequent travelers may benefit from the BOC Platinum or World Mastercard, which offer travel insurance for added protection when booking trips.
- For Simplicity: If you prefer a straightforward card without rewards tracking, the BOC Cash Installment Card focuses on flexible payment options instead of points or cashback.
- For Beginners: First-time users may find the BOC Classic Mastercard a practical entry-level card, with a lower annual fee and basic rewards earning.
Bank of Commerce Rewards Points Converter
Ever wondered how much your Bank of Commerce Rewards points are really worth? Our Rewards Converter makes it super easy to figure that out.
Let’s say you’re collecting points from your Bank of Commerce Rewards card and you’re eyeing redeeming a PAL Mabuhay flight. Instead of guessing, just plug your points into our converter and see how much value you’re getting.
Bank of Commerce Rewards Converter
Estimates are based on Bank of Commerce rewards conversion (1,000 credits = 19,115 points). Actual rewards may vary depending on promos and merchant classification.
Bank of Commerce Rewards to Miles Converter
Note: Conversions are done in fixed blocks. Excess points that do not complete a block cannot be converted.
Know what you can do with your points by checking the available deals for your Bank of Commerce points.
How to Apply for a Bank of Commerce Credit Card
Applying for a Bank of Commerce credit card is a more manual process compared to fully online applications.
You’ll need to download and fill out the PDF application form, then submit it along with a selfie and your required documents to a Bank of Commerce branch or via email at cardsales@bankcom.com.ph.
Depending on your situation, you are required to submit the following:
Accepted Valid IDs
- Passport
- Driver’s License
- Company ID
- Voter’s ID
- TIN ID
- SSS ID
- Postal ID
- Philippine Regulation Commission (PRC)
- Student ID issued and signed by the principal or
- head of the school for the current school year
- Other government issued ID
Depending on your employment status, you can submit the following documents:
Employed
- Original and latest Certificate of Employment and Compensation (COEC)
- Photocopy of Latest BIR Form 2316/W2 or ITR duly stamped as “Received” by the BIR/authorized bank
- Pay slips for the last three (3) months preceeding the date of application
Self-Employed
- Single Proprietor
- Certificate of Registration of Business Name issued by DT
- Partnership
- Articles of Partnership and Certificate of Registration issued by SEC
- Corporation
- Latest Articles of Incorporation (AOI)
- By Laws (BL) and Certificate of Registration issued by SEC
- Certificate of Filing of AOI and BL
- Board Resolution or Secretary’s Certificate and List of Elected Officers
Aside from the mentioned above, self-employed individuals also need to submit any of the following:
- Income Tax Return with Bank / BIR Stamp
- Latest Audited Financial Statements (AFS) for the last 2 years with BIR/Bank stamp
- Bank Statement for the last 6 months
Professional
- Latest Income Tax Return with Bank / BIR Stamp (MANDATORY)
- Latest AFS for the last 2 years with BIR/Bank stamp
- Bank Statement for the last 6 months
Non-Filipino Citizen
- Original and latest Certificate of Employment
- and Compensation (MANDATORY)
- Deed of Assignment for Hold-Out on Deposit
- (MANDATORY)
- Original Comfort Letter (MANDATORY)
- Any of the following:
- Special Investor’s Resident Visa
- Visa issued by PEZA
- Certified True Copy of Passport
- Certified True Copy of Alien Certificate of
- Registration (ACR) or work permit
Preparing these documents ahead of time can make your application process faster and smoother.
Frequently Asked Questions (FAQs)
1. How do I redeem Bank of Commerce Rewards Points?
There are three ways to redeem your points:
- By calling the customer care hotline at (02) 632 2265
- By emailing the Mastercard redemption form to customerservice@bankcom.com.ph
- By sending the Mastercard redemption form through fax at (02) 632 3299 (routing code: 3258)
2. Do Bank of Commerce Rewards Points expire?
No, Bank of Commerce Rewards Points do not expire.
3. Is there a minimum income requirement to apply for a Bank of Commerce credit card?
Yes, each card has its own income requirement listed in the individual card information above. The income requirement for BOC credit cards ranges from ₱120,000 to ₱1,200,000.
4. How long does the application process take?
Online applications typically take 3-4 weeks to process. If documents are complete and you meet the eligibility criteria, approval may be faster. You’ll be notified via SMS or email once your card is approved and dispatched.
5. How to lock/unlock your Bank of Commerce credit card?
Currently, Bank of Commerce does not offer a card lock/unlock feature through its mobile app.
If you need to temporarily block your card, such as in cases of loss, theft, or suspicious transactions, you should immediately call the Bank of Commerce hotline at (02) 8-632-2265 to request a card lock. A customer service representative can assist you in securing your account and advise on next steps, including replacement if needed.
For security reasons, always report issues as soon as possible to prevent unauthorized transactions.
6. Can I request a supplementary card?
Yes! You may apply for supplementary cards and set spending limits for each card to control usage and monitor expenses. Apply by filling out the Supplementary Credit Card Application Form and submitting it to cardsales@bankcom.com.ph.
7. How do I track my Bank of Commerce credit card delivery?
Bank of Commerce does not typically provide a tracking number for credit card deliveries.
Cards are usually delivered via LBC Express, and delivery generally takes around 2 to 7 business days depending on your location.
If your card hasn’t arrived within the expected timeframe, you can contact the Bank of Commerce hotline to check the status of your delivery.
8. How do I activate my Bank of Commerce credit card?
You can activate your Bank of Commerce credit card by enrolling it in the BankCom [Personal] online banking platform or mobile app.
For new users, download the app or go online, select “Enroll Now”, choose “Card Enrollment,” and enter your card details. You’ll receive a code via SMS to complete the process and activate your account.
If you already have a BankCom account, simply log in and add your credit card under “Enroll Own Account” or “Add/Edit/Delete Own Account/Card.”
Once enrolled and verified, your card is activated and ready to use.
9. What is Bank of Commerce Get Cash Program?
The Get Cash Program is a credit-to-cash facility that lets you convert your available credit limit into cash and repay it in fixed monthly installments.
Eligible cardholders (with accounts in good standing for at least 12 months) can avail of cash starting from ₱3,000, with terms of 6, 12, 24, or 36 months. The program uses a 1% monthly add-on rate, with effective annual interest of around 20%–21% depending on the term
You can apply by visiting a Bank of Commerce branch or calling their customer service hotline. Once approved, funds are released either the same day (branch application) or within a few banking days.
A ₱200 processing fee applies, and the transaction does not earn rewards points. If you choose to pre-terminate, a ₱1,000 fee will be charged along with the remaining balance.
10. Where can I pay my Bank of Commerce credit card bill?
You can pay your Bank of Commerce credit card through several convenient channels:
Bank of Commerce
- Over-the-counter at any branch
- Via ATM
- Internet banking (BankCom [Personal])
- Auto Debit Arrangement (ADA) from your BankCom account
Other Payment Channels
- BDO – branches, ATM, online and mobile banking
- ECPay – including 7-Eleven via CLiQQ
- GCash – via the app
- BPI – via QuickPay or mobile app
You can pay using cash, check, or bank transfer. Just make sure your payment is posted on or before your due date to avoid late fees.
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