Skip to content
SulitCard
Illustration, not the bank's artwork.

BPI · Visa · Signature

Visa Signature

Why pick it: ₱20M travel insurance plus NAIA 1 lounge access

Visa Signature card: 2 points per ₱20 on all spend, ₱20M travel insurance, PAGSS NAIA Terminal 1 lounge access with one guest.

Score
63 /100
Rank
#8 of 123
Annual fee
₱5,500
Solid S

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

Solid na travel card: NAIA 1 lounge at ₱20M insurance. Pasok ka lang kung kaya ng income mo.

Bottom line: Bagay ito kung pasok ka sa income at madalas kang lumipad. Kung hindi pa, ibang card muna.

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

Sa typical household (~₱825k a year), nasa ~₱8,500 ang balik kung miles ang pipiliin mo, at ~₱3,000 ang net travel value. Free ang first year; ₱5,500 a year pagkatapos. Pwede mong hilingin ang waiver, bahala ang bank. Nasa puwesto #8 sa 123, at 63 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 BPI points per ₱20 sa lahat ng spend. Never nag-e-expire ang points, galing sa data.
  • 1.85% lang ang foreign fee.
  • Up to ₱20M ang travel insurance kapag sa card binili ang ticket; sakop din ang family, ayon sa data.
  • Free ang PAGSS lounge access sa NAIA 1, unlimited ayon sa data, plus 1 free guest.

What's bad

  • ₱1,200,000 a year ang income requirement, galing sa data; wala ito sa page. Proof of income o statement ng card mula sa ibang bank ang hinihingi ng page.
  • Walang lounge visits abroad sa data namin; NAIA 1 lang ang nakalista sa page.
  • Mas mababa ang halaga ng points bilang shopping credit kaysa miles, galing sa data.
  • Per the BPI rewards T&C, walang points ang bills na binayaran via BPI Online o sa app.

The catch: Galing sa data ang income requirement at ang free-for-life fee promo pagkatapos ng ₱600,000 spend; wala ang dalawa sa page, kaya mag-confirm ka sa bank.

Rechecked on the bank page on 2026-10-28. Not on the page: minimum income; unlimited lounge visits; no-fee-for-life promo after ₱600,000 spend; points value for miles or shopping credit; insurance coverage for family; points expiry. 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 ₱11,500 in rewards (₱8,500) and travel value (₱3,000), before the ₱5,500 annual fee (on request; the bank decides)
To qualify:
₱1,200,000 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:
No annual fee for life after ₱600,000 spend (new-to-BPI; apply by Dec 15, 2026) (about 3 months); Moneymax applicants also get a gift worth up to ₱1,995 (apply by Jan 15, 2027) (ends Dec 15, 2026)
Annual fee:
Annual fee free in the first year; the first 3 years for BPI Preferred customers.

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

#8 of 123 cards open to new applicants, and #11 of all 170 scored cards once invite-only, closed and limited-eligibility cards are counted too.

  • Yearly value34 / 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 spend18 / 37

      About ₱8,500 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 ₱5,500 fee that the bank may waive on request. How the bars work

    • Travel and perks on the default spend5 / 10

      About ₱3,000 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% installments12 / 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 flexibility9 / 10

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

  • Credit limit and upgrade path4 / 5

    Signature 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 ₱8,500 a year in rewards and ₱3,000 in travel value.

Score over time

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

methodmethodmethodmethod68 SOct 2464 AOct 2663 SOct 2763 SNov 263 SNov 463 SNov 963 SNov 1063 SNov 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
₱5,500
Supplementary fee
₱0
Fee waiver
On request; the bank decides
Foreign transaction fee
1.85%
Minimum income
₱1,200,000 a year
Also needs
Employment tenure 2+ years, or under 2 only at a top-1,000 company

Rewards

2 points per ₱20 on all spend, peso and foreign. Points move to Asia Miles (25,000 points = 5,000 miles; KrisFlyer 3,500 from Dec 5, 2026) or shopping credit. 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
None
Local lounge
unlimited
Travel insurance
Up to ₱20,000,000, covers family

Strengths

  • Low FX fee (1.85%)
  • Unlimited local lounge access
  • Travel insurance up to ₱20M 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 ↗