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SulitCard
Illustration, not the bank's artwork.

BankCom · Mastercard

Cash Installment

Why pick it: Cash loan up to 100% of limit, fixed payments

Cash-loan credit line: fixed-installment cash loans at 3% a month, ₱2,400 fee billed ₱200 monthly; no rewards, supplementary card or cash advance.

Score
8 /100
Rank
#123 of 123
Annual fee
₱2,400
Solid DThin data

Thin data: some figures on this card are less certain than usual; the bank does not publish the income requirement. Check with the bank before you apply.

SKIP ITHonest take

Cash loan ito na naka-attach sa card; ayon sa fees table ng BankCom, ₱2,400 kada taon ang annual fee.

Bottom line: Cash loan ang purpose ng card na ito. Kung cash ang kailangan mo, i-compare muna ang ibang loans bago ka pumasok.

Read the full take: the math, what's good, what hurts

Kung typical household (~₱825k a year) ang gagamit, may balik na ~-₱500 at travel value na ~-₱1,500, bawas ang foreign fee (2.50%). Sa puwesto, #123 ito sa 123 cards; score 8.

The numbers in this take are our estimates for a typical household, not bank policy. Check fees and waivers with the bank.

What's good

  • Puwede kang kumuha ng hanggang 100% ng approved credit limit mo bilang cash.
  • Fixed ang bayad sa cash loan na 12, 24 o 36 months ang term, kaya alam mo agad ang babayaran mo.
  • Hinahati ang annual fee na ₱2,400 sa ₱200 kada buwan.

What's bad

  • Wala kaming nakitang rewards sa page.
  • May ₱200 availment fee kada cash loan transaction.
  • Around 21% ang annual effective interest rate ng cash loan, at ₱20,000 ang minimum loan per transaction.
  • 2.50% ang foreign currency conversion fee.

The catch: Kaunti ang source namin dito, kaya mag-confirm ka sa bank. Huling na-modify ang product page noong 16 August 2021, at hindi nito nakalista ang annual fee, income requirement o waiver. Sa fees table ng credit cards page ng BankCom galing ang ₱2,400. Base sa data, may option kang hilingin sa bank na i-waive ang fee, at sila ang may huling salita.

Rechecked on the bank page on 2026-10-24. Not on the page: annual fee (on the sibling credit cards page only); minimum income; rewards; fee waiver. Our opinion, based on published terms. Not financial advice. The bank decides approval.

The take above is written for a typical household spending about ₱825,500 a year. Get your own score in 60 seconds.

Yearly value for a typical household:
about −₱2,000 in rewards (−₱500) and travel value (−₱1,500), before the ₱2,400 annual fee (on request; the bank decides)
To qualify:
Not published
Bank service:
About typical.
Score breakdown, fees, rewards and perks

Score breakdown

#123 of 123 cards open to new applicants, and #170 of all 170 scored cards once invite-only, closed and limited-eligibility cards are counted too.

  • Yearly value0 / 63

    These bars compare each part with other cards on its own, so they don't add up to Yearly value. How it is scored

    • Rewards on the default spend0 / 37

      No rewards on the typical household's spend after the foreign fee on foreign online spend. How the bars work

    • Annual fee after waivers8 / 16

      A ₱2,400 fee that the bank may waive on request. How the bars work

    • Travel and perks on the default spend0 / 10

      About −₱1,500 of travel value on one trip abroad a year, after the 2.50% foreign fee. How the bars work

  • Promos and 0% installments2 / 15

    0% installment network: weak. Promos: weak, judged by what a typical household would likely save from the promos this card gets, past and current, with 13 live promos tracked. How it is scored

  • Points flexibility0 / 10

    No rewards, so nothing to redeem. How it is scored

  • Credit limit and upgrade path3 / 5

    No standard card level. The score also reflects how Bank of Commerce handles credit limit increases and card upgrades. How it is scored

  • App and service2 / 5

    Banking app: basic. Service: about typical. How it is scored

  • Late fee0 / 2

    A late fee of ₱1,200 for one missed payment, or the unpaid minimum due if that is lower. How it is scored

On the default spend: about −₱500 a year in rewards and −₱1,500 in travel value.

Score over time

Total score and tier on each data date, on the default spend.

methodmethodmethodmethod28 DOct 2428 DOct 268 DOct 278 DNov 28 DNov 48 DNov 98 DNov 108 DNov 11
  • Between Oct 24 and Oct 26 the scoring method changed (2 changes), so part of that move is the method, not the card.
  • Between Oct 26 and Oct 27 the scoring method changed (10 changes), so part of that move is the method, not the card.
  • Between Nov 2 and Nov 4 the scoring method changed (a card with a higher income minimum for first-time applicants is no longer left out), so part of that move is the method, not the card.
  • Between Nov 10 and Nov 11 the scoring method changed (3 changes), so part of that move is the method, not the card.
  • Method changes

Fees and who can apply

Annual fee
₱2,400
Supplementary fee
₱0
Fee waiver
On request; the bank decides
Foreign transaction fee
2.50%
Minimum income
Not published

Rewards

No rewards. Built for cash loans, with a ₱200 cash loan availment fee.

Type
Points
Points expiry
unknown

Travel perks

International lounge visits
None
Local lounge
None
Travel insurance
None

Watch out for

  • Some details could not be verified

Live and upcoming promos (13)

As of Nov 11, 2026. Check each promo's source before you rely on it.

Show 8 more

What cardholders say (0)

Individual accounts, read by us before they appear but not checked with the bank. They never change this card's score.

No cardholder posts yet.

Official BankCom card page ↗