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Illustration, not the bank's artwork.

BPI · Visa · Platinum

Robinsons Cashback

Why pick it: 4% on dining, 3% at Robinsons on ₱3,500 receipts

Visa cashback card: 3% at Robinsons stores (₱3,500+ receipts), 4% on dining and fast food, 0.3% on most other spend.

Score
47 /100
Rank
#22 of 123
Annual fee
₱2,500
Solid A
GET IT IF…Honest take

Strong sa Robinsons at dining; sa ibang spend, 1% o 0.3% lang ang cashback.

Bottom line: Robinsons at restaurants ba ang bulk ng spend mo? Kung oo, sulit ito. Kung hindi, 1% o 0.3% lang ang earn sa most other spend.

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

Para sa typical household (~₱825k a year), nasa ~₱7,500 ang balik, pero negative ang travel value (~-₱1,000) dahil sa foreign fee. Free ang first year, tapos ₱2,500. Pwede mong hilingin ang waiver, bahala ang bank. Resulta: 47 na score, #22 mula sa 123 cards.

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% cashback sa Robinsons brands at affiliate stores sa ₱3,500 pataas; 1% sa ₱1,000 hanggang ₱3,499.
  • 4% cashback sa dining, restaurants at online food delivery, may ₱1,000 minimum spend.
  • Up to ₱20,000 a year ang cashback, at free for life ang first supplementary card.
  • Per the page, 1.85% lang ang forex conversion fee.

What's bad

  • 1% lang ang earn sa grocery, department stores at other shopping; 0.3% lang sa other retail.
  • Walang lounge o travel insurance sa page o sa data namin.
  • May ₱1,000 minimum spend para sa 1% at 4%; per ₱1,000 ang computation, galing sa data.

The catch: Wala sa BPI page ang income requirement. Galing sa data ang ₱180,000 a year, unconfirmed pa. May promo din, galing sa data: free-for-life ang fee after ₱50,000 spend, pero for new-to-BPI applicants lang until Dec 15, 2026, at wala ito sa page.

Rechecked on the bank page on 2026-10-24. Not on the page: minimum income; no-fee-for-life promo after ₱50,000 spend; lounge and insurance. 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 ₱6,500 in rewards (₱7,500) and travel value (−₱1,000), before the ₱2,500 annual fee (on request; the bank decides)
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); 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

#22 of 123 cards open to new applicants, and #30 of all 170 scored cards once invite-only, closed and limited-eligibility cards are counted too.

  • Yearly value23 / 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 spend16 / 37

      About ₱7,500 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 ₱2,500 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 37 live promos tracked. How it is scored

  • Points flexibility6 / 10

    Cashback is simple to use but cannot move to an airline. 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 ₱7,500 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.

methodmethodmethodmethod56 AOct 2456 AOct 2646 AOct 2746 ANov 246 ANov 446 ANov 947 ANov 1047 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
₱2,500
Supplementary fee
₱0
Fee waiver
On request; the bank decides
Foreign transaction fee
1.85%
Minimum income
₱180,000 a year

Rewards

At Robinsons brands, 3% cash back on a single receipt of ₱3,500 or more and 1% on ₱1,000 to ₱3,499. 4% on dining and convenience stores, 1% on other groceries, department stores and retail, 0.3% on the rest. Every tier needs a receipt of at least ₱1,000. Redeem in ₱500 steps.

Caps: ₱20,000 per year (groceries, fuel, tolls & car service, utilities, telco bills, dining, online shopping, foreign online spend, department stores, drugstores, school fees, airfare, hotels, spending abroad, everything else)

Type
Cashback
Points expiry
none

Travel perks

International lounge visits
None
Local lounge
None
Travel insurance
None

Strengths

  • Low FX fee (1.85%)

Watch out for

  • Rewards capped at ₱20,000 a year

Live and upcoming promos (41)

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

Show 36 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 ↗