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BPI Gold Rewards Card

The BPI Gold Rewards Card is a solid all-around rewards card for everyday spending, offering steady points earning and practical travel perks. It lets you earn rewards on all purchases, with flexible redemption options including miles and shopping credits. Cardholders also benefit from low foreign exchange rates, travel insurance, and access to deals across dining and retail. With added installment options and cash access features, it’s a reliable choice for both daily use and occasional travel.

Key perks

  • Earn 1 point for every ₱35 spend.
  • Free travel insurance up to ₱10 million.
  • Low 1.85% foreign exchange fee.

At a Glance

Card Tier:

Mid

Rewards Type:

Points

Best For:

n/a

Min Annual Income:

480,000

Annual Fee:

2,250

Annual Fee Policy:

Free First Year

Features & Benefits

Earn 1 BPI Rewards Point for every ₱35 spend, with non-expiring points redeemable for shopping credits, eGCs, dining, or miles.

Get a low 1.85% foreign exchange fee for overseas and foreign currency transactions.

Receive free travel insurance up to ₱10 million when you charge your flights to the card.

Convert your credit limit to cash via Credit-to-Cash (installment up to 36 months) or Cash Advance, with up to 70% of your available credit limit withdrawable.

Enjoy flexible installment options with FlexipayZero, FlexipayLater, and Bonus Madness Limit.

More Reasons To Love This Card

Installment & Payment Features

Credit to Cash:

Credit-to-Cash

Purchase Installment:

n/a

Balance Conversion:

Balance Conversion

Balance Transfer:

Balance Transfer

Special Installment:

Flexipay, SIP-Hospital, SIP-School

Send Money:

n/a

Bills Payment:

n/a

Not sure what these mean? Here’s a quick guide to help you understand each feature.
  • Credit to Cash — Convert part of your credit limit into cash and repay it in fixed monthly installments over a set period.
  • Purchase Installment — Convert an existing or recent straight purchase into installments so you can pay it off monthly instead of in one full payment.
  • Balance Conversion — Convert your current credit card balance into installments to make repayment more manageable with fixed monthly amounts.
  • Balance Transfer — Move your balance from another credit card to this card, usually with lower interest or on installment terms.
  • Special Installment — Pre-arranged installment offers for specific purchases (e.g., partner merchants or promos), often with 0% interest for a set term.
  • Send Money — Transfer funds directly from your credit card to a bank account or e-wallet, typically with a fee.
  • Bills Payment — Pay your bills using your credit card—either manually (on demand) or automatically (auto charge).

Travel Features

Click an item to view other credit cards with the same feature or benefit.

,

General Features

Click an item to view other credit cards with the same feature or benefit.

n/a

Fees & Charges

Annual Fee:

2,250

Annual Fee note:

Free First Year

Annual Fee Supplementary:

1,125

Annual Fee Supplementary note:

First supplementary card free for life

Retail Monthly Interest Rate:

3%

Cash Advance Monthly Interest Rate:

3%

Cash Advance Fee:

₱200

Processing Fee – Credit to Cash:

₱300

Processing Fee – Purchase Installment:

n/a

Processing Fee – Balance Conversion:

₱300

Processing Fee – Balance Transfer:

₱300

Send Money Fee:

n/a

Note: The installment processing and Send Money fees shown above reflect the minimum applicable amount. Actual fees may vary depending on the transaction amount, currency involved, or how the request is initiated (e.g., through electronic channels or via customer service).

Eligibility & Requirements

Eligibility

  • Must be at least 21 years old
  • Minimum monthly income: ₱40,000
  • Employment: 2+ years; if less, must be employed in a top 1,000 company with at least ₱20,000 monthly income
  • Must have a valid contact number and active email address

Requirements

  • Valid ID: Any unexpired, photo-bearing ID (front and back), such as:
    • Government-issued ID (e.g., PhilID, passport, driver’s license)
    • Company ID from BSP-, SEC-, or IC-registered entities
  • Proof of income: Any of the following:
    • Income documents (e.g., payslip, ITR, certificate of employment)
    • Credit card statement from another bank