Classic MC
Classic
BankCom · Mastercard · Classic
Classic MC
Why pick it: Low income requirement, 0% for up to 36 months
Entry points card: 1 point per ₱50, 5x at department stores and dining, 2x Autosweep; best redemption via Cebu Pacific Go Rewards.
- Score
- 9 /100
- Rank
- #122 of 123
- Annual fee
- ₱1,500
Entry-level ito: ₱1,500 ang fee, at maliit ang balik from our data.
Bottom line: Okay ito bilang entry-level card. Kung rewards ang habol mo, skip.
Read the full take: the math, what's good, what hurts
Ang typical household (~₱825k a year) ay may ~₱500 na balik, at negative ang travel side na ~-₱1,500 dahil sa conversion fee (2.50%). Posisyon niya: #122 sa 123 cards; score 9.
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
- Mababa ang income requirement: ₱120,000 a year, per the page.
- Hanggang 5x points sa select dining at shopping.
- May 0% installment sa selected stores, up to 36 months.
What's bad
- 1 point per ₱50 ang base earn, at 16,800 points ang katumbas ng 1,000 KrisFlyer o Mabuhay miles (₱840,000 na spend) per BankCom catalogue.
- Hindi pang-abroad: 2.50% ang conversion fee, at wala sa page ang lounge o travel insurance.
- Per the BankCom Rewards Plus T&C 3.4, hindi nag-e-earn ng points ang auto charge.
The catch: Sa select dining at shopping lang ang 5x, at mula sa data ang merchant code list. Hindi sinasabi ng page kung paano ma-waive ang fee; base sa data, maaari mo itong ipakiusap sa bank, at sila ang magdedesisyon.
Rechecked on the bank page on 2026-10-24. Not on the page: waiver process or odds; value of a point; merchant codes for 5x; lounge or travel insurance. 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 −₱1,000 in rewards (₱500) and travel value (−₱1,500), before the ₱1,500 annual fee (on request; the bank decides)
- To qualify:
- ₱120,000 a year income
- Bank service:
- About typical.
Score breakdown, fees, rewards and perks
Score breakdown
#122 of 123 cards open to new applicants, and #169 of all 170 scored cards once invite-only, closed and limited-eligibility cards are counted too.
- Yearly value1 / 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 spend2 / 37
About ₱500 a year in rewards on the typical household's spend, after caps and the foreign fee on foreign online spend. How the bars work
- Annual fee after waivers8 / 16
A ₱1,500 fee that the bank may waive on request. How the bars work
- Travel and perks on the default spend1 / 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 flexibility2 / 10
4 airline partners, and points that expire. It counts for less here because the card earns little back on this spend. How it is scored
- Credit limit and upgrade path2 / 5
Classic card level, plus 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.
- 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
- ₱1,500
- Supplementary fee
- ₱750
- Fee waiver
- On request; the bank decides
- Foreign transaction fee
- 2.50%
- Minimum income
- ₱120,000 a year
Rewards
1 Rewards Plus point per ₱50, 5x at department stores and dining, 2x on Autosweep loading. Bills payments earn no points.
- Type
- Points
- Points expiry
- unknown
- Airline partners
- KrisFlyer, PAL Mabuhay Miles, AirAsia, Go Rewards
Travel perks
- International lounge visits
- None
- Local lounge
- None
- Travel insurance
- None
Live and upcoming promos (13)
As of Nov 11, 2026. Check each promo's source before you rely on it.
- BankComEnds Jan 31, 2027All BankCom credit cards
- MastercardEnds Mar 31, 2027Register firstAll Mastercard cards, any bank
- BankComEnds Jan 31, 2027BankCom Mastercard cards
- BankComEnds Nov 12, 2026All BankCom credit cards
- BankComEnds Dec 18, 2026Mon to FriAll BankCom credit cards
Show 8 more
- BankComEnds Dec 31, 2026All BankCom credit cards
- FREE Robinsons eGift: P3,000 (P150,000 spend) or P5,000 (P250,000 spend) for holiday shopping 2026Score 66BankComEnds Dec 31, 2026All BankCom credit cards
- BankComEnds Jan 31, 2027All BankCom credit cards
- BankComEnds Dec 15, 2026All BankCom credit cards
- MastercardEnds Jan 31, 2027All Mastercard cards, any bank
- MastercardEnds Jan 31, 2027All Mastercard cards, any bank
- MastercardEnds Dec 31, 2026All Mastercard cards, any bank
- BankComEnds Jan 31, 2027All BankCom credit cards
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.