BPI Gold Rewards Card

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Earn BPI Rewards

Earn 1 BPI point for every ₱35 spent. Accumulate 20,000 points and redeem ₱1,000 worth of eGC.

Check the points conversion here.

Comprehensive Travel Insurance

Get up to ₱10 million in comprehensive coverage for travel accidents when you pay for your flights using your card.

Low Foreign Currency Conversion Fee

Enjoy international travel and shopping with a low foreign currency conversion fee of 1.85%.

Year-Round Offers

Enjoy year-round access to Mastercard Moments offers and promotions.

Eligibility

A Filipino Citizen (additional requirements apply for non-Filipino residents).
At least 21 years old.
With a minimum fixed monthly income of ₱40,000 and tenured for at least 2 years.
With an active residential/business contact number and email address.

Basic Requirements

Completely filled-out BPI Credit Card Application Form
Photocopy of one (1) valid ID with picture and signature.

Proof of Income

If you hold a credit card from another bank for at least a year, you can proceed with your application without proof of income.

If employed, submit any of the following:

Certificate of Employment (COE)
Latest two months payslips
Latest income tax return (ITR) with BIR/bank stamp

If self-employed, submit the following:

Latest audited financial statement (AFS) with BIR/bank stamp
Latest income tax return (ITR) with BIR/bank stamp

If you are a non-Filipino resident, submit any of the following:

Alien Certificate of Registration (ACR)
Work Permit
Embassy Accreditation Paper

If you are an owner/manager of pawnshop, forex dealers, money changers, or remittance agents, submit:

Certificate of Registration issued by BSP

If you are an insurance agent, submit:

Insurance Commission License

Fees & Charges

Annual Fee	Principal: ₱2,250 Supplementary: Free for life for the 1st supplementary, ₱1,125 for the next
Interest	3% per month
Cash Advance Service Fee	₱200
Cash Advance Interest	3%
Late Payment Fee	₱850 or the unpaid minimum due (whichever is lower)
Installment Add-On Rate	Up to 1%
Special Installment Plan (SIP) Loan Service Fee	₱500 for Balance Transfer, Credit to Cash, and Balance Conversion more than ₱50,000. ₱300 for transactions less than ₱50,000.
Installment Pre-Termination Fee	₱550 plus 2% of the principal amount if pre-terminated before the first billing. ₱550 plus the interest of the next monthly payment if pre-terminated after the first billing.
Gaming Transaction Fee	₱500 or 3% (whichever is higher)
Returned Check Fee	₱100 plus 6% of the check amount
Card Replacement Fee	₱400
Foreign Transaction Service Fee	1.85%

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 the lowest point requirement or vice versa.
You can also filter the list to only show the deals that you can redeem with your current points.

Check the points conversion here.

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. What valid IDs are accepted when applying?

BPI accepts the following government-issued IDs for credit card applications:

Company ID
Passport
Voter’s ID
Driver’s License
PRC ID
SSS/GSIS Card
Postal ID (new version)
BIR/TIN ID

4. Is there a minimum income requirement?

Yes, the minimum fixed income is ₱40,000 per month or ₱480,000 a year.

If you’re an existing cardholder from another bank, you may qualify through a fast-track application by submitting your latest credit card statement without the need for proof of income.

5. How long does it take to process the application?

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.

6. Is the BPI Gold Rewards a NAFFL (No Annual Fee For Life) card?

No, this card is not NAFFL. The BPI Gold Rewards has an annual fee of ₱2,250, which BPI waives for an annual spend of ₱240,000.

If you don’t meet the spending requirement, you may still reach out to BPI’s customer support team and ask for alternative conditions. Sometimes, they are more lenient for cardholders in good standing.

7. 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.

8. Where can I pay or settle my BPI Gold Rewards 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.