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BPI · Mastercard · Classic

Petron BPI

Why pick it: 3% rebate at Petron, up to ₱15k a year

Fuel card: 3% rebate on Petron purchases (₱15,000 yearly cap); no rewards on non-fuel spend.

Score
25 /100
Rank
#69 of 123
Annual fee
₱1,550
Solid C
GET IT IF…Honest take

Petron fuel lang ang may rebate, per the page.

Bottom line: Sa Petron ka ba laging nagpapa-gas, at malaki ang fuel spend mo? Sulit ito. Kung hindi, sa Petron fuel lang may rebate.

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

Free ang fee sa year one, tapos ₱1,550; ayon sa data, auto-waived ito sa ₱180,000 a year na spend. ~₱1,500 lang ang bumabalik sa typical household (~₱825k a year), at ~-₱1,500 ang travel side, negative kasi 1.85% ang foreign charge (galing din sa data). Puwesto: #69 sa 123 cards; score 25.

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

  • 3% fuel rebate sa Petron stations, up to ₱15,000 a year.
  • Free ₱200 Petron fuel voucher bilang welcome gift para sa newly approved principal cardholders.

What's bad

  • Hindi kasama ang non-Petron fuel at ibang spend. Walang points din ang ibang spend, from our data.
  • Mga 2 months bago mag-post ang rebate kapag sa non-BPI terminal ka nag-fuel, galing sa data.
  • Walang insurance o lounge na nakalista sa page.

The catch: Wala sa BPI page ang foreign fee, income requirement at fee auto-waive. Galing sa data ang 1.85%, ang ₱180,000 a year na income, at ang waiver sa ₱180,000. Sabi ng page, ₱1,550 ang fee from the second year.

Rechecked on the bank page on 2026-10-24. Not on the page: foreign fee; minimum income; auto-waive at ₱180,000 yearly spend; rebate timing at non-BPI terminals. 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 (₱1,500) and travel value (−₱1,500), before the ₱1,550 annual fee (waived automatically at ₱180,000 yearly spend)
To qualify:
₱180,000 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) and a ₱200 Petron fuel voucher on approval; Moneymax applicants may also get a welcome gift (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

#69 of 123 cards open to new applicants, and #99 of all 170 scored cards once invite-only, closed and limited-eligibility cards are counted too.

  • Yearly value7 / 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 spend4 / 37

      About ₱1,500 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 ₱1,550 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 −₱1,500 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 flexibility2 / 10

    Cashback is simple to use but cannot move to an airline. 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 ₱1,500 a year in rewards and −₱1,500 in travel value.

Score over time

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

methodmethodmethodmethod43 COct 2443 COct 2623 COct 2723 CNov 223 CNov 424 CNov 925 CNov 1025 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
₱1,550
Supplementary fee
₱0
Fee waiver
Waived automatically at ₱180,000 yearly spend
Foreign transaction fee
1.85%
Minimum income
₱180,000 a year

Rewards

3% rebate on Petron fuel only, credited to your statement. Other purchases earn nothing.

Caps: ₱15,000 per year (fuel)

Type
Cashback
Points expiry
none

Travel perks

International lounge visits
None
Local lounge
None
Travel insurance
None

Strengths

  • Fee auto-waived at ₱180,000 yearly spend
  • Low FX fee (1.85%)

Watch out for

  • Rewards on fuel capped at ₱15,000 a year

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 ↗