BPI Credit Cards

Still undecided? You can also explore our interactive comparison table where you can filter cards by features — like cashback, rewards, travel insurance, and even those with waived annual fees.

Let’s say you’re only interested in cards with lounge access or no annual fee for life (NAFFL)? Just use the dropdown to filter cards instantly.

How to Choose the Right BPI Credit Card

Selecting the ideal credit card depends on your spending habits and financial goals.

• For Rewards: If you frequently shop or dine out, you can choose between BPI Amore Platinum Cashback for rebates or the BPI Gold Rewards Card if you prefer rewards.
• For Cashback: Households can benefit from the BPI Amore Cashback and Robinsons Cashback, especially when paying for groceries and utility bills.
• For Travel: For international and air travel, the BPI Visa Signature is perfect, offering miles, insurance, and lounge access. For land travelers, enjoy fuel rebates with the Petron BPI card.
• For Beginners: First-time users might find the BPI Rewards Card appealing because it’s a rewards-earning card with a low annual fee.

BPI Rewards Points Converter

Ever wondered how much your BPI 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 BPI Rewards card and you’re eyeing redeeming a Cathay Pacific flight. Instead of guessing, just plug your points into our converter and see how much value you’re getting.

How to Apply for a BPI Credit Card

Applying for a BPI credit card online is a convenient process that typically takes between 5 to 10 minutes, provided you have your documents ready.

You can complete the entire process online by submitting your application through their website.

1. Visit the BPI credit card online application form.
2. Indicate whether you are an existing BPI customer (e.g., you have a savings account or other credit card accounts).
3. Enter your birthday and contact details. Make sure to use an active email address and mobile number to receive communication regarding your application.
4. Choose up to 2 credit cards based on your needs and lifestyle. Then proceed with the application.
5. Fill in the personal and employment details.
6. Submit a valid ID and proof of income. You can check the list of acceptable documents below.
7. Review the application summary and submit once finalized.
8. Monitor your email and phone in case BPI contacts you for additional details or documents.

You see, applying for a BPI credit card is just as easy as any other online application.

BPI accepts the following valid IDs:

• Phil ID
• ePhil ID
• Passport
• Voter’s ID
• SSS/GSIS ID
• Driver’s License
• BIR/TIN ID
• PRC ID
• Postal ID
• Company ID issued by private entities or institutions registered or supervised by BSP, SEC, or IC.

Depending on your employment status, you can submit the following documents:

Employed/Professionals 

• Payslips for the last 3 months 
• Latest Income Tax Return (ITR/BIR 2316) 
• Certificate of Employment 

Self Employed 

• Audited Financial Statements for the last 3 years
• Latest Income Tax Return (ITR/BIR 2316)   
• DTI/SEC Business Registration Certificate 

Retiree/Pensioner

• Proof of pension 
• Bank Statement of Account (SOA) showing regular credit from pension or Bank Certificate of Deposit 

OFW-Sea Based (Agency-based)  

• Proof of remittance for the last 3 months
• Latest and unexpired signed POEA contract and Overseas Employment Certificate (OEC) or Employment Contract with boarding date  

OFW-Land Based (Direct Hire)

• Proof of remittance for the last 3 months
• Latest and Unexpired POEA Validated Information Sheet
• Latest POEA Overseas Employment Certificate (OEC) and latest Employment Contract or Consularized COE (If remitter is a permanent resident in the country)  

Allottee (income coming from Remittance)

• Proof of remittance/allotment  for the last 3 months
• Latest bank statement where the remittance is credited  
• Latest and unexpired POEA Validated Information Sheet
• Latest POEA Overseas Employment Certificate (OEC) and Employment Contract or Consularized COE (If remitter is a permanent resident in the country)  

Other Sources of Income (e.g. housewife, rental properties, etc.)

• Proof of pension/allowances 
• Bank Certification of Deposit 
• Bank Statement of Account (SOA) for the last 3 months 
• Lease Contract 

Preparing these documents ahead of time can make your application process faster and smoother.

Frequently Asked Questions (FAQs)

1. How do I redeem BPI Rewards or Points?

You can easily monitor and redeem your BPI Rewards points through the Vybe app. Download the app if you don’t have it yet. Log in and click BPI Rewards to see the list of deals available. You can sort them from the highest to lowest point requirement or vice versa. Similarly, you can filter the list to only show the deals that you can redeem with your current points.

2. Do BPI Points expire?

No, BPI Rewards points do not expire as long as there are any transactions (addition or use of points) within 60 months.

3. Is there a minimum income requirement to apply for a BPI credit card?

Yes, each card has its own income requirement listed in the individual card information above. The income requirement for BPI credit cards ranges from ₱180,000 to ₱1,200,000.

4. How long does the application process take?

Online applications typically take 7 to 15 banking days 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 BPI credit card?

When not in use, it is best to keep your BPI credit card locked. To do this, open your BPI mobile banking app, click More in the lower right corner, and look for Card Control.

Click Settings under your credit card account. There, you can see the Temporary Block Card action. Be careful not to use the Permanently Block Card button because that will deactivate your card, and you will need to order a new one.

Follow the same steps to unlock your card.

6. Can I request a supplementary card?

Yes! You may apply for up to six supplementary cards for your family members. You can set spending limits for each card to control usage and monitor expenses. Apply via the BPI app or at any branch.

7. How do I track my BPI credit card delivery?

After approval, your credit card will be delivered via a partner courier within 7 to 10 banking days (Metro Manila) or longer for provincial addresses. You may contact BPI Customer Service at (+632) 889-10000 to request tracking details or escalate delays.

8. How do I activate or deactivate my BPI credit card?

You can activate your BPI credit card real-time by logging into your BPI mobile banking app. You may also call BPI Help & Support to request card activation. These options are applicable to cardholders with existing BPI online accounts.

If you don’t have a BPI online account yet, you can activate your BPI credit card using SMS instead. Simply send BPIACT<space>Last 10 digits of the card to 22565060. Card activation via SMS can take up to 2 days. Make sure to use your registered mobile number to avoid delay.

To deactivate or permanently block your card, follow the same steps in FAQs #5.

9. What is BPI’s Special Installment Plan (S.I.P.)?

The S.I.P. allows you to transfer your other credit card balance to your BPI card, use your credit limit as cash, or convert straight purchases into monthly installments at low interest rates or even 0% with partner merchants.

You can apply for S.I.P. via:

• BPI app or online banking
• Merchant POS at the time of purchase
• BPI Customer Service hotline

S.I.P. can also be used to pay hospital bills and tuition fees with up to a 36-month repayment term.

10. Where can I pay my BPI credit card bill?

There are many options to pay for your BPI credit card bill. If you prefer to use your BPI online or mobile app, you need to enroll BPI EXPRESS CARD CORP (BECC) as a biller first. You can do this by adding it as a New Recipient.

Other payment options include:

Physical Payment Channels

• BPI or BPI Family Savings Branch (find the nearest one)
• Bayad Center
• Cebuana Lhuillier
• SM Payment Counters
• EC Pay Partner Outlets (e.g., 7-Eleven)

Online Payment Channels

• Coins.ph
• GCash
• PayMaya
• Bayad App

Payment can take up to 3 days to be posted, so make sure to settle your credit card bill in advance. That way, you’ll avoid late payment charges and keep your credit record in good standing.

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