The BPI Edge Card is an entry-level credit card designed for simple, everyday use. It offers basic rewards on all spending, along with flexible installment options for better payment management. With one of the lowest foreign exchange rates available, it’s also a practical option for occasional international purchases. Ideal for first-time cardholders or those who want a straightforward, easy-to-manage card.
Card Tier:
Rewards Type:
Best For:
Min Annual Income:
180,000
Annual Fee:
1,320
Annual Fee Policy:
Earn 1 BPI Rewards Point for every ₱50 spend, with points redeemable for shopping credits, eGCs, and more.
Enjoy a low 1.85% foreign exchange fee for overseas and foreign currency transactions.
Access flexible installment options, including 0% installment, Buy Now Pay Later, and Bonus Madness Limit.
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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n/a
Annual Fee:
1,320
Annual Fee note:
Annual Fee Supplementary:
660
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).