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Illustration, not the bank's artwork.

BankCom · Mastercard · World

World MC

Why pick it: 2 free lounge visits and a 1.5% foreign fee

Travel points card: 5x points on airlines, hotels and travel agencies, 2x Petron/Autosweep, 2 DragonPass visits, 1.5% FX, ₱5M travel insurance.

Score
13 /100
Rank
#111 of 123
Annual fee
₱5,000
Solid D
SKIP ITHonest take

2 libreng lounge visits at mababang foreign fee, pero ₱5,000 ang annual fee.

Bottom line: Skip ito, maliban kung ang 2 libreng lounge visits ang pangunahing dahilan mo para kunin ito.

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

Nasa fees table ng credit cards page ang ₱5,000 na annual fee. Sa typical household (~₱825k a year), umaabot sa ~₱1,000 ang rewards, at ang travel value ay ~₱500. Ayon sa data, may option kang hilingin sa bank na i-waive ito; sila ang may huling salita. 13 ang score, at #111 ang posisyon nito 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

  • 2 libreng airport lounge visits kada taon para sa principal cardholder.
  • Mababa ang singil sa foreign transactions: 1.50%, ayon sa fees table.
  • Hanggang ₱5M ang travel accident insurance kapag sa card mo ichinarge ang buong fare.
  • Hanggang 5x points sa travel-related na gastos.

What's bad

  • Mas malaki ang ₱5,000 na fee kaysa sa ~₱1,000 na balik, galing sa data.
  • Ayon sa BankCom Rewards Plus T&C 3.4, walang points ang auto charge.
  • USD 29 per person ang bayad sa mga susunod na lounge visit.

The catch: Magkakaiba ang sinasabi ng mga page ng BankCom: ₱50 kada point sa credit cards page, ₱25 sa Platinum page, at walang nakalistang per-peso rate sa World page. Hindi nakasaad sa World page ang income requirement, kaya ₱1,200,000 a year ang assumption namin. Mukhang luma rin ang World page, huling na-modify noong January 5, 2024.

Rechecked on the bank page on 2026-10-24. Not on the page: World income requirement; points expiry; which base earn rate is current. 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 (₱1,000) and travel value (₱500), before the ₱5,000 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

#111 of 123 cards open to new applicants, and #158 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 spend3 / 37

      About ₱1,000 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 ₱5,000 fee that the bank may waive on request. How the bars work

    • Travel and perks on the default spend3 / 10

      About ₱500 of travel value on one trip abroad a year, after the 1.50% foreign fee. It includes lounge visits (each person in a household of three who gets in counts) and 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 15 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 path5 / 5

    World 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 ₱1,000 a year in rewards and ₱500 in travel value.

Score over time

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

methodmethodmethodmethod39 DOct 2438 DOct 2615 DOct 2715 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
₱5,000
Supplementary fee
₱2,500
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 on travel (hotels, resorts, airlines, travel agencies, cruises) and 2x at Petron and Autosweep. Bills payments earn no points.

Type
Points
Points expiry
unknown
Airline partners
KrisFlyer, PAL Mabuhay Miles, AirAsia, Go Rewards

Travel perks

International lounge visits
2 a year
Local lounge
None
Travel insurance
Up to ₱5,000,000

Strengths

  • Low FX fee (1.50%)
  • 2 free international lounge visits a year

Watch out for

  • ₱5,000 annual fee; a waiver is not guaranteed

Live and upcoming promos (15)

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

Show 10 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 ↗