The Bank of Commerce Rewards Converter helps you estimate how much your credit card points are worth in cash or shopping credits. Instead of guessing, you can quickly see the peso value of your points and the amount of spending required to earn them.
This is especially useful if you want to understand whether your rewards are worth redeeming now or if you should keep accumulating points. It also helps you compare different Bank of Commerce cards and spending categories more effectively.
Want a complete breakdown of BankCom credit cards, including rewards, fees, and perks? Read our full guide here.
Bank of Commerce Rewards Converter
1,000 shopping credits = 26,761 points. Values may vary by promo and merchant classification.
Base earn: 50 = 1 point. Bonus tiers depend on card and merchant type.
How to Use the Bank of Commerce Rewards to Cash/Shopping Credits Calculator (Step-by-Step)
Using the converter is quick and straightforward:
- Select your Bank of Commerce credit card from the dropdown menu.
- Choose your spending category (regular spend or bonus categories like dining or department stores).
- Enter the number of reward points you’ve earned.
- View your results, including the estimated cash value and total spending required to earn those points.
Rewards Conversion Table
Below is a simplified reference of how Bank of Commerce credit card rewards convert into cash or shopping credits.
| Card | Spend to Rewards Point (Base) | Bonus Categories (Earn Rate) | Rewards Points to Cash / Shopping Credit | Conversion Rate (%) | Minimum Redemption |
|---|---|---|---|---|---|
| BOC Classic Mastercard | ₱50 = 1 point | 5x: Dept Store / Dining 2x: RFID Load | 26,761 points = ₱1,000 | ~0.037% | ₱1,000 |
| BOC Gold Mastercard | ₱50 = 1 point | 5x: Dept Store / Dining 2x: RFID Load | 26,761 points = ₱1,000 | ~0.037% | ₱1,000 |
| BOC Platinum Mastercard | ₱50 = 1 point | 5x: Dept Store / Dining 2x: Fuel + RFID Load | 26,761 points = ₱1,000 | ~0.037% | ₱1,000 |
| BOC World Mastercard | ₱50 = 1 point | 5x: Travel Spend 2x: Fuel + RFID Load | 26,761 points = ₱1,000 | ~0.037% | ₱1,000 |
Notes:
- These values are based on shopping credit redemptions such as SM Gift Pass, Robinsons, S&R, Metro Gaisano, Go Rewards, and similar partners.
- Actual points required may vary depending on the specific merchant or redemption option. You can check the available deals here.
Final Thoughts
The Bank of Commerce rewards system is straightforward, but the actual value of your points depends heavily on how you earn them. Regular spending gives a modest return, while bonus categories significantly improve your rewards rate.
Using this calculator helps you make smarter decisions, whether you’re planning redemptions or optimizing your spending. Over time, small improvements in how you earn and redeem points can lead to much better value from your credit card.
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