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BPI · Mastercard · Classic

Edge

Why pick it: Points never expire and a 1.85% foreign fee

Entry Mastercard: 1 point per ₱50 on all spend; annual fee waived in year one, ₱1,320 yearly from year two.

Score
21 /100
Rank
#96 of 123
Annual fee
₱1,320
Borderline C/D
SKIP ITHonest take

Libre ang first year at mababa ang foreign fee, pero mahina ang rewards sa regular spend.

Bottom line: Skip. Maliit ang balik kahit buong gastos mo ang ilagay dito.

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

Mula second year, singil na ang annual fee na ₱1,320; i-request mo sa bank ang waiver kung gusto mo, pero sila ang may huling desisyon. Sa typical household (~₱825k a year), balik na ~₱500 sa buong taon ang makukuha, at sa travel, ~-₱1,000 ang lumalabas, negative kasi may foreign fee. Sa open list, #96 ito sa kabuuang 123; 21 ang score.

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

  • Libre ang annual fee sa first year.
  • Walang expiry ang points, ayon sa page.
  • Mababa ang singil sa foreign spend: 1.85%, ayon sa page.

What's bad

  • 1 point per ₱50 lang ang earn.
  • Wala sa page ang travel insurance at lounge, at wala rin ito sa data namin.
  • Hindi nag-e-earn ng points ang bills na binayaran sa BPI Online o BPI app, per the BPI rewards T&C. Bills charged directly to the biller are not excluded.

The catch: Hindi nakasulat sa BPI page ang amount ng income requirement, kaya ang ₱180,000 a year ay mula sa data. The page asks for one valid ID and proof of income or a card statement from another bank. Per the T&C, transactions under ₱50 and SIP installments earn no points.

Rechecked on the bank page on 2026-10-24. Not on the page: minimum income amount; insurance and lounge; airline partners. 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 −₱500 in rewards (₱500) and travel value (−₱1,000), before the ₱1,320 annual fee (on request; the bank decides)
To qualify:
₱180,000 a year income
Bank service:
About typical.

First year

Annual fee:
No annual fee in the first year; ₱110 a month from year 2.

Bank details as of Oct 23, 2026. Offers change; confirm on the bank's page before you apply. None of this changes the card's score.

Score breakdown, fees, rewards and perks

Score breakdown

#96 of 123 cards open to new applicants, and #134 of all 170 scored cards once invite-only, closed and limited-eligibility cards are counted too.

  • Yearly value4 / 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 spend1 / 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 waivers16 / 16

      A ₱1,320 fee that the bank may waive on request. How the bars work

    • Travel and perks on the default spend1 / 10

      About −₱1,000 of travel value on one trip abroad a year, after the 1.85% foreign fee. How the bars work

  • Promos and 0% installments10 / 15

    0% installment network: strong. Promos: fair, judged by what a typical household would likely save from the promos this card gets, past and current, with 40 live promos tracked. How it is scored

  • Points flexibility1 / 10

    5 airline partners, and points that do not 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 BPI handles credit limit increases and card upgrades. How it is scored

  • App and service3 / 5

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

  • Late fee1 / 2

    A late fee of ₱850 for one missed payment. How it is scored

On the default spend: about ₱500 a year in rewards and −₱1,000 in travel value.

Score over time

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

methodmethodmethodmethod43 COct 2443 COct 2619 DOct 2719 DNov 219 DNov 420 DNov 921 CNov 1021 CNov 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
₱1,320
Supplementary fee
₱0
Fee waiver
On request; the bank decides
Foreign transaction fee
1.85%
Minimum income
₱180,000 a year

Rewards

1 BPI point per ₱50, for shopping credit or PAL miles (16,000 points = 1,000 miles). Bills paid through BPI Online and Mobile Banking earn no points.

Type
Points
Points expiry
none
Airline partners
PAL Mabuhay Miles, Cathay Asia Miles, Singapore Airlines KrisFlyer, airasia rewards, Cebu Pacific Go Rewards

Travel perks

International lounge visits
None
Local lounge
None
Travel insurance
None

Strengths

  • Low FX fee (1.85%)
  • Points don't expire; 5 airline partners

Live and upcoming promos (44)

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

Show 39 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 BPI card page ↗