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

BPI · Visa · Signature

Signature Wealth (metal)

Why pick it: No annual fee for life and 1.5% foreign fee

Invite-only metal card for BPI Private Wealth clients: 2 points per ₱20, no annual fee for life, 1.5% net foreign transaction fee.

Score
41 /100
Status
By invitation
Annual fee
Free for life
#44 of all 170 scored cardsBPI Private Wealth clients onlyThin data

Thin data: some figures on this card are less certain than usual; the bank does not publish the income requirement. Check with the bank before you apply.

BY INVITATION ONLYHonest take

Metal at invite-only. Hindi ka makakapag-apply kahit gusto mo.

Bottom line: Inimbitahan ka na ba ng BPI Private Wealth? Maganda ang fee at foreign fee, pero huwag munang magplano sa miles hangga't hindi nakukumpirma ang ratio. Kung hindi ka pa naimbitahan, wala kang magagawa sa ngayon.

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

Ang typical household (~₱825k a year) ay may ~₱2,500 na rewards at ~₱2,000 na net travel value. 41 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

  • 2 points per ₱20, local at global, at walang expiry ang points.
  • Preferential ang foreign fee: 1.50%, per the page.
  • Free for life ang annual fee para sa primary card at hanggang anim na supplementary cards.
  • Up to ₱20M ang travel insurance; kontakin ang Relationship Manager para sa proof.

What's bad

  • Invite-only ito, ayon sa page. Sa Relationship Manager dumadaan ang invitation, galing sa data.
  • Mababa ang value ng points, galing sa data.

The catch: Manipis ang source namin sa ilang detalye. Ayon sa BPI FAQ, unlimited ang lounge access sa NAIA 1 International PAGSS Lounge para sa principal at supplementary cardholders, may 1 free guest o travel companion, at libre ang children 2 and under. Hindi binabanggit ng page ang miles ratio at eligibility threshold. Hindi nakapangalan ang card sa earn table ng BPI Rewards T&C, kaya ina-assume namin na umiiral ang rule: hindi nabibigyan ng points ang bills na binayaran via BPI Online o Mobile Banking, per the T&C. Mag-confirm sa Relationship Manager o sa bank.

Rechecked on the bank page on 2026-10-28. Not on the page: miles conversion ratio; eligibility threshold; points value of 0.5%; whether the BPI Rewards T&C bills-payment exclusion applies to this card. 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 ₱4,500 in rewards (₱2,500) and travel value (₱2,000), before the card's fees (no annual fee)
To qualify:
By invitation; Invitation only via relationship manager; BPI Private Wealth clients (by invitation)
Deposit with the bank:
BPI Private Wealth clients only
Bank service:
About typical.
Score breakdown, fees, rewards and perks

Score breakdown

  • Yearly value18 / 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 spend6 / 37

      About ₱2,500 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

      No annual fee. How the bars work

    • Travel and perks on the default spend4 / 10

      About ₱2,000 of travel value on one trip abroad a year, after the 1.50% 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% installments9 / 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

    1 airline partner, and points 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 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 ₱2,500 a year in rewards and ₱2,000 in travel value.

Score over time

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

methodmethodmethodmethod54 BOct 2453 BOct 2640 BOct 2740 BNov 240 BNov 440 BNov 941 ANov 1041 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
Free for life
Supplementary fee
₱0
Fee waiver
No annual fee
Foreign transaction fee
1.50%
Minimum income
By invitation
Also needs
Invitation only via relationship manager; BPI Private Wealth clients

Rewards

By invitation for BPI Private Wealth clients. 2 points per ₱20, local and global, and points never expire. 200,000 points = ₱10,000 in UITF units, or shopping credit. Bills paid through BPI Online and Mobile Banking earn no points.

Type
Points
Points expiry
none
Airline partners
unspecified (miles via Relationship Manager)

Travel perks

International lounge visits
None
Local lounge
unlimited
Travel insurance
Up to ₱20,000,000, covers family

Strengths

  • No annual fee for life
  • Low FX fee (1.50%)
  • Unlimited local lounge access
  • Travel insurance up to ₱20M covering family

Watch out for

  • Some details could not be verified

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 ↗