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BPI · Mastercard

Omni

Why pick it: 3 points per ₱50 online, with ₱10k in-store spend

Online-focused card: 3 points per ₱50 online spend once ₱10,000 card-present spend is met in the cycle; ₱250 monthly fee.

Score
16 /100
Status
By invitation
Annual fee
₱3,000
#150 of all 170 scored cardsThin data

Thin data: the bank does not publish the income requirement. Check with the bank before you apply.

BY INVITATION ONLYHonest take

Online-shopping card na invite-only pa rin. Halos walang balik, from our data.

Bottom line: Wala kang natanggap na notice mula sa BPI? Hindi mo makukuha ang card ngayon. Kahit alukin ka, mababa ang balik ayon sa data at may mga kondisyon, kaya hindi ito dapat maging first card mo.

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

Ang rewards ng typical household (~₱825k a year) ay ~₱0, at travel value na ~-₱1,000, parehong galing sa data. Annual fee: ₱3,000, galing din sa data at hindi sa page. Hilingin mo sa bank na i-waive ito; sila ang magpapasya sa bawat request. 16 ang score nito.

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

  • Triple (3x) BPI points per ₱50 of online spend.
  • 1.85% lang ang foreign fee, galing sa data.
  • A virtual card comes with the physical card, and activating the physical card also activates the virtual one.

What's bad

  • It's invite-only: select BPI depositors only, notified by email and SMS.
  • Hindi nag-e-earn ng points ang card-present spend, at kailangan ng ₱10,000 card-present spend kada cycle para makuha ang online points, from our data.
  • Only principal cards are issued for now; supplementary cards are not yet available.

The catch: Sabi ng page, magiging public ito 'by Q2 2026'. Lumipas na ang date na iyon, pero invite-only pa rin ang sabi ng page. Ang annual fee at foreign fee ay hindi nakasaad sa page, kaya i-double-check sa bank ang ₱3,000 at 1.85%.

Rechecked on the bank page on 2026-10-24. Not on the page: annual fee; foreign fee; ₱10,000 card-present spend condition. 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 (₱0) and travel value (−₱1,000), before the ₱3,000 annual fee (on request; the bank decides)
To qualify:
By invitation; Invite-only: select BPI depositors notified by email/SMS · Public availability not yet announced; principal cards only (by invitation)
Bank service:
About typical.
Score breakdown, fees, rewards and perks

Score breakdown

  • Yearly value2 / 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

      No rewards on the typical household's spend after the foreign fee on foreign online spend. How the bars work

    • Annual fee after waivers12 / 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 −₱1,000 of travel value on one trip abroad a year, after the 1.85% foreign fee. How the bars work

  • Promos and 0% installments7 / 15

    0% installment network: strong. Promos: weak, judged by what a typical household would likely save from the promos this card gets, past and current, with 24 live promos tracked. How it is scored

  • Points flexibility0 / 10

    Bank points with no airline partner 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

    No standard card level. The score also reflects 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 ₱0 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.

methodmethodmethodmethod37 DOct 2437 DOct 2615 DOct 2715 DNov 215 DNov 416 DNov 916 DNov 1016 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
₱0
Fee waiver
On request; the bank decides
Foreign transaction fee
1.85%
Minimum income
By invitation
Also needs
Invite-only: select BPI depositors notified by email/SMS · Public availability not yet announced; principal cards only

Rewards

3 BPI points per ₱50 on online spend, only in cycles with at least ₱10,000 of in-store spend; in-store spend earns no points. No points cap. Bills paid through the BPI app, SIP and e-wallet loads earn nothing.

Type
Points
Points expiry
none

Travel perks

International lounge visits
None
Local lounge
None
Travel insurance
None

Strengths

  • Low FX fee (1.85%)

Live and upcoming promos (26)

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

Show 21 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 ↗