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BankCom · Mastercard · Gold

Gold MC

Why pick it: 0% up to 36 months, up to 5x on select dining

Gold 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
#121 of 123
Annual fee
₱3,000
Solid D
SKIP ITHonest take

Mataas ang ₱3,000 na fee para sa earn na kapareho ng Classic, from our data.

Bottom line: Kung pareho ang earn ng Gold at Classic, mahirap bigyang-katwiran ang ₱3,000 na fee. Skip.

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

Kapag typical household (~₱825k a year) ang gumagamit, makakabalik ng ~₱500, at negative ang travel value na ~-₱1,500 pagkatapos ng conversion fee (2.50%). #121 ang puwesto nito 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

  • ₱455,000 a year ang minimum income ng Gold, per the page.
  • Hanggang 5x points sa select dining at shopping.
  • May 0% installment sa selected establishments, up to 36 months.

What's bad

  • Ayon sa page, 1 point per ₱50 ang earn; sa BankCom catalogue, 16,800 points ang katumbas ng 1,000 KrisFlyer o Mabuhay miles, pareho sa Classic.
  • Mas malaki ang ₱3,000 na fee kaysa sa ~₱500 na balik, from our data.
  • 2.50% ang conversion fee sa foreign transactions, kaya hindi ito pang-abroad, at wala sa page ang lounge at travel insurance.
  • Per the BankCom Rewards Plus T&C 3.4, hindi kumikita ng points ang auto charge.

The catch: Hindi Gold-specific ang earn rate na nasa page, kaya base sa data ang pagkakapareho sa Classic. Hindi rin sinasabi ng page kung paano ma-waive ang fee; base sa data, puwede itong hingin sa bank at sila ang magpapasya.

Rechecked on the bank page on 2026-10-24. Not on the page: Gold-specific earn rate; waiver process or odds; value of a point; 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 ₱3,000 annual fee (on request; the bank decides)
To qualify:
₱455,000 a year income
Bank service:
About typical.
Score breakdown, fees, rewards and perks

Score breakdown

#121 of 123 cards open to new applicants, and #168 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 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 waivers0 / 16

      A ₱3,000 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% installments3 / 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 14 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 path3 / 5

    Gold 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.

methodmethodmethodmethod35 DOct 2434 DOct 2610 DOct 2710 DNov 29 DNov 49 DNov 99 DNov 109 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
₱3,000
Supplementary fee
₱1,500
Fee waiver
On request; the bank decides
Foreign transaction fee
2.50%
Minimum income
₱455,000 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 (14)

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

Show 9 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 ↗