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Illustration, not the bank's artwork.

BankCom · Mastercard · Platinum

Platinum MC

Why pick it: 1.5% foreign fee, up to 5x at select merchants

Points card: 1 point per ₱50, 5x department stores and dining, 2x Petron and Autosweep, 8,400 points = 1,000 KrisFlyer/Mabuhay miles, 1.5% FX.

Score
13 /100
Rank
#112 of 123
Annual fee
₱4,000
Solid D
SKIP ITHonest take

₱4,000 ang annual fee at hindi nakalista sa Platinum page ang lounge access.

Bottom line: Skip muna ito, at i-compare mo ang fee at balik sa ibang cards bago ka magdesisyon.

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

Rewards come to ~₱2,000 for a typical household (~₱825k a year), pero negative ang travel value na ~-₱500, galing sa data. 13 ang score niya, kaya #112 siya sa 123 cards.

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

  • Low foreign transaction fee of 1.50%, per the fees table sa credit cards page.
  • Hanggang 5x points sa select dining, shopping at travel merchants.
  • Peso ang billing kahit abroad ang gastos.
  • Travel insurance up to ₱2M kapag sa card mo ichinarge ang fare.

What's bad

  • Hindi malinaw ang base earn: 1 point kada ₱25 sa isang page, kada ₱50 sa isa pa.
  • The ₱4,000 fee is bigger than the ~₱2,000 return, from our data. Kapag humingi ka ng waiver, ang bank ang magpapasya, ayon sa data.
  • Ayon sa BankCom Rewards Plus T&C 3.4, walang points ang auto charge.

The catch: Hindi nakalagay sa mismong Platinum page ang halaga ng annual fee; galing ang ₱4,000 sa fees table ng credit cards page ng BankCom (₱5,000 para sa dual currency billing). Ayon sa page na iyon, kailangan mo rin ng ₱1,200,000 a year na income. Kumpirmahin sa bank ang annual fee at ang tamang earn rate.

Rechecked on the bank page on 2026-10-24. Not on the page: annual fee (on the sibling credit cards page only); which base earn rate is current; lounge access. 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 ₱1,500 in rewards (₱2,000) and travel value (−₱500), before the ₱4,000 annual fee (on request; the bank decides)
To qualify:
₱1,200,000 a year income
Bank service:
About typical.
Score breakdown, fees, rewards and perks

Score breakdown

#112 of 123 cards open to new applicants, and #159 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 spend5 / 37

      About ₱2,000 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 ₱4,000 fee that the bank may waive on request. How the bars work

    • Travel and perks on the default spend1 / 10

      About −₱500 of travel value on one trip abroad a year, after the 1.50% foreign fee. It includes travel insurance, though insurance counts only a little toward this figure and the score. 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 flexibility3 / 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 path4 / 5

    Platinum 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 ₱2,000 a year in rewards and −₱500 in travel value.

Score over time

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

methodmethodmethodmethod38 DOct 2438 DOct 2614 DOct 2714 DNov 214 DNov 414 DNov 914 DNov 1013 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
₱4,000
Supplementary fee
₱2,000
Fee waiver
On request; the bank decides
Foreign transaction fee
1.50%
Minimum income
₱1,200,000 a year

Rewards

1 point per ₱50, 5x at department stores and dining, 2x at Petron and Autosweep. Points convert to KrisFlyer or Mabuhay miles (8,400 points = 1,000 miles). 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
Up to ₱2,000,000

Strengths

  • Low FX fee (1.50%)

Watch out for

  • ₱4,000 annual fee; a waiver is not guaranteed

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 ↗