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BPI · Mastercard · Gold

Gold Rewards

Why pick it: ₱10M travel insurance when you book flights

Mastercard points card: 1 point per ₱35 on all spend, ₱10M free travel insurance, points redeemable for shopping credit or PAL miles.

Score
26 /100
Rank
#68 of 123
Annual fee
₱2,250
Solid C
GET IT IF…Honest take

Insurance ang main draw dito, at ~₱500 a year lang ang rewards.

Bottom line: Kung insurance lang ang habol mo at kaya ng spend mo ang fee waiver, pwede ito. Kung rewards ang hanap mo, tingnan ang ibang cards.

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

Free ang year one, tapos ₱2,250 a year; ayon sa data, auto-waived ito sa ₱180,000 a year na spend. ~₱500 lang ang rewards ng typical household (~₱825k a year), at ~-₱500 naman ang travel value. Puwesto: #68 sa 123 cards; score 26.

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

  • Free travel insurance up to ₱10M kapag sa card mo nai-book ang flight.
  • 1.85% lang ang foreign transaction service fee, per the BPI page.
  • Free ang first year ng membership.

What's bad

  • Manipis ang 1 point per ₱35, at maliit ang halaga ng bawat point bilang shopping credit, galing sa data.
  • Kailangan ng ₱480,000 a year na income (from our data), mataas para sa ganito kaliit na return.
  • Per the BPI rewards T&C, walang points ang bills na binayaran via BPI Online o Mobile Banking.

The catch: Wala sa BPI page ang income requirement at fee auto-waive, kaya mula sa data ang dalawa. Sabi ng page, ₱2,250 ang fee from the second year. Per the T&C, walang points ang transactions na under ₱35 at ang SIP installments.

Rechecked on the bank page on 2026-10-24. Not on the page: minimum income; auto-waive at ₱180,000 yearly spend; points value; insurance coverage for family. 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 ₱0 in rewards (₱500) and travel value (−₱500), before the ₱2,250 annual fee (waived automatically at ₱180,000 yearly spend)
To qualify:
₱480,000 a year income
Bank service:
About typical.

First year

Welcome offer:
No annual fee for life after ₱50,000 spend (new-to-BPI; apply by Dec 15, 2026); Moneymax applicants also get a gift worth up to ₱1,995 (apply by Jan 15, 2027) (ends Dec 15, 2026)

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

#68 of 123 cards open to new applicants, and #98 of all 170 scored cards once invite-only, closed and limited-eligibility cards are counted too.

  • Yearly value6 / 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 waivers16 / 16

      The ₱2,250 fee is waived automatically at ₱180,000 of yearly spend, which the typical household reaches. 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 1.85% 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% installments11 / 15

    0% installment network: strong. Promos: strong, judged by what a typical household would likely save from the promos this card gets, past and current, with 41 live promos tracked. How it is scored

  • Points flexibility2 / 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 path3 / 5

    Gold 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 −₱500 in travel value.

Score over time

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

methodmethodmethodmethod47 BOct 2446 BOct 2623 COct 2723 CNov 223 CNov 425 CNov 926 CNov 1026 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
₱2,250
Supplementary fee
₱0
Fee waiver
Waived automatically at ₱180,000 yearly spend
Foreign transaction fee
1.85%
Minimum income
₱480,000 a year

Rewards

1 BPI point per ₱35 anywhere, for shopping credit or PAL miles. Bills paid through BPI Online and Mobile Banking, SIP loans, gaming and fees 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
Up to ₱10,000,000, covers family

Strengths

  • Fee auto-waived at ₱180,000 yearly spend
  • Low FX fee (1.85%)
  • Travel insurance up to ₱10M covering family
  • Points don't expire; 5 airline partners

Live and upcoming promos (45)

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

Show 40 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 ↗