The BPI Rewards Card is an entry-level credit card that lets you earn points on all your everyday spending. It offers simple rewards with flexible redemption options, including shopping credits and miles. Cardholders also benefit from low foreign exchange rates, basic travel insurance, and installment features for better payment flexibility. It’s a practical option for first-time cardholders or anyone looking for a reliable, no-frills rewards card.
Card Tier:
Rewards Type:
Best For:
Min Annual Income:
180,000
Annual Fee:
1,550
Annual Fee Policy:
Earn 1 BPI Rewards Point for every ₱35 spend, with non-expiring points redeemable for shopping credits, eGCs, dining, or miles.
Enjoy flexible installment options with FlexipayZero, FlexipayLater, and Bonus Madness Limit.
Get a low 1.85% foreign exchange fee for overseas and foreign currency transactions.
Receive free travel insurance up to ₱2 million when you charge your flights to the card.
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
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Click an item to view other credit cards with the same feature or benefit.
n/a
Annual Fee:
1,550
Annual Fee note:
Annual Fee Supplementary:
775
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).