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BPI · Mastercard · Platinum

Platinum Rewards

Why pick it: 2 points per ₱20 abroad, up to 4 lounge passes

Points card: 2 points per ₱20 foreign spend (₱30 local); up to 4 Priority Pass lounge visits, each needing ₱30k travel spend.

Score
53 /100
Rank
#15 of 123
Annual fee
₱4,000
Solid A

BPI changes this card's PAL miles bonus on Nov 16, 2026

  • Converting 16,000 BPI Rewards Points to PAL Mabuhay Miles gives 2,200 miles instead of 3,200 (bonus miles cut from 2,200 to 1,200).
  • Points earned per peso, points needed per conversion, and the Asia Miles conversion stay the same.
  • On Dec 5, 2026 BPI also cuts the Singapore Airlines KrisFlyer bonus miles from 4,000 to 2,500 and the AirAsia Rewards bonus from 600 to 300 (BPI advisory updated Nov 5, 2026).

No change to our score: it values this card's miles through the best partner, Asia Miles, which stays the same. The PAL, KrisFlyer and AirAsia cuts all leave those partners below Asia Miles.

Published by the bank on Oct 16, 2026. Bank page ↗ · source 2 ↗

GET IT IF…Honest take

Mas mataas ang earn abroad at up to 4 Priority Pass passes, pero may conditions ang bawat pass.

Bottom line: Pwede ito kung madalas kang abroad at pasok ka sa income. Kung mostly local ang gastos mo, ibang card na lang.

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

Kapag miles ang pinili mo, ~₱5,500 ang kita ng typical household (~₱825k a year), at ~₱2,500 ang net travel value, positive pa rin kahit may 1.85% na foreign fee (galing sa data). Free ang unang taon, tapos ₱4,000 na. Puwede kang humiling ng waiver, pero sa bank ang desisyon. #15 ito sa 123 open cards, 53 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

  • 2 points per ₱30 sa local spend, at 2 points per ₱20 sa foreign-currency spend.
  • Up to 4 free Priority Pass lounge passes a year, depende sa spend mo.
  • Up to ₱10M na travel insurance kung sa card mo binili ang flight; sakop din ang family, ayon sa data.

What's bad

  • Galing sa data: kailangan ng isang ₱30,000 transaction sa airline, hotel o travel agency para sa bawat lounge pass.
  • Maliit ang halaga ng points bilang shopping credit kumpara sa miles, galing sa data.
  • ₱960,000 a year ang income requirement, galing sa data.
  • Per the BPI rewards T&C, walang points ang bills na binayaran via BPI Online o Mobile Banking.

The catch: Miles ang assumption sa 'return' na ito.

Rechecked on the bank page on 2026-10-24. Not on the page: minimum income; foreign fee; required spend per lounge pass; 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 ₱8,000 in rewards (₱5,500) and travel value (₱2,500), before the ₱4,000 annual fee (on request; the bank decides)
To qualify:
₱960,000 a year income; Employment tenure 2+ years, or under 2 only at a top-1,000 company
Bank service:
About typical.

First year

Welcome offer:
Moneymax welcome gift worth up to ₱1,995 (Bluetooth speaker, powerbank, AirTag or ₱1,500 cash credit) for applications via Moneymax; not in BPI's Double Rewards no-annual-fee promo (ends Jan 15, 2027)

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.

Who can apply

Age:
At least 21; no maximum age stated.
Employment:
Employed applicants need 2+ years of employment tenure, or under 2 years only at a top-1,000 company.

Bank details as of Nov 4, 2026. Where a card's own page is silent, the rule is from the bank's general requirements page; 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

#15 of 123 cards open to new applicants, and #19 of all 170 scored cards once invite-only, closed and limited-eligibility cards are counted too.

  • Yearly value27 / 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 spend12 / 37

      About ₱5,500 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 waivers12 / 16

      A ₱4,000 fee that the bank may waive on request. How the bars work

    • Travel and perks on the default spend4 / 10

      About ₱2,500 of travel value on one trip abroad a year, after the 1.85% 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% 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 41 live promos tracked. How it is scored

  • Points flexibility9 / 10

    5 airline partners, and points that do not expire. How it is scored

  • Credit limit and upgrade path3 / 5

    Platinum 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 ₱5,500 a year in rewards and ₱2,500 in travel value.

Score over time

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

methodmethodmethodmethod62 AOct 2458 AOct 2651 AOct 2751 ANov 251 ANov 452 ANov 953 ANov 1053 ANov 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
₱4,000
Supplementary fee
₱0
Fee waiver
On request; the bank decides
Foreign transaction fee
1.85%
Minimum income
₱960,000 a year
Also needs
Employment tenure 2+ years, or under 2 only at a top-1,000 company

Rewards

2 points per ₱30 locally and 2 points per ₱20 on foreign-currency spend abroad. Points move to Asia Miles (25,000 points = 5,000 miles; KrisFlyer 3,500 from Dec 5, 2026) or shopping credit. Priority Pass passes need a single ₱30,000 travel transaction each. 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
4 a year
Local lounge
None
Travel insurance
Up to ₱10,000,000, covers family

Strengths

  • Low FX fee (1.85%)
  • 4 free international lounge visits a year
  • 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 ↗