BPI Credit Card is one of the most popular credit cards in the Philippines, offering a range of benefits and rewards to its users. It is issued by the Bank of the Philippine Islands (BPI) and is designed to cater to the diverse needs of its customers, from shopping and dining to travel and leisure.
To be eligible for a BPI Credit Card, applicants must meet certain requirements, including a minimum age of 21 years old, a minimum income threshold, and good credit standing.
Once approved, cardholders can enjoy a variety of promotions and offers, as well as earn points and rewards for their purchases.
In addition, BPI Credit Card also offers online banking services, allowing users to manage their accounts and transactions conveniently and securely.
BPI Credit Card Eligibility
Eligibility for the BPI Credit Card is contingent upon meeting specific requirements outlined by the bank. Firstly, applicants must be at least 21 years old to be considered eligible.
Additionally, individuals must be either a resident or citizens of the Philippines and earn a minimum of ₱180,000 annually.
Furthermore, applicants must possess a business or residential contact number and reside within a 30km radius of a BPI or BPI Family Bank branch or Provincial Business Center.
These requirements ensure that BPI is able to maintain a certain level of accessibility and convenience for its credit cardholders.
By setting these eligibility criteria, the bank can ensure that applicants are able to easily access their services and facilities.
Moreover, they would be able to guarantee that applicants have the financial means to manage their credit card accounts responsibly.
Document Requirements for BPI Credit Card Application
Let’s discuss the document requirements for BPI credit card application, specifically for self-employed, employed, and foreign residents.
- For self-employed individuals, proof of business registration, financial statements, and income tax returns are necessary.
- For employed individuals, a government-issued ID, proof of income, and employment certificate are required.
- For foreign residents, a valid passport, work permit, and proof of residence are needed.
These requirements are essential for the approval of a BPI credit card application. Let’s delve into more details.
For Self-employed
To apply for a BPI credit card as a self-employed individual, presenting a government-issued ID, the latest audited financial statement with BIR, or bank stamp, and the latest income tax return with BIR or bank stamp is necessary.
The audited financial statement should show the company’s financial performance and stability. The income tax return, on the other hand, should reflect the individual’s income and tax payments for the previous year.
These documents are essential in determining the applicant’s creditworthiness and ability to pay the credit card bills.
As a self-employed individual, it is important to establish a good credit history by using credit responsibly. Having a credit card can help in building credit and in managing cash flow.
The BPI credit card offers various benefits, such as cashback rewards, discounts, and exclusive privileges.
However, it is important to read the terms and conditions carefully and to use the credit card wisely to avoid getting into debt and damaging one’s credit score.
For Employed
When applying for a credit card as an employed individual, it is necessary to provide several documents that serve as proof of income and employment status.
These documents include a government-issued ID, a photocopy of the latest BIR Form 2316, a Certificate of Employment (COE), and the latest payslips.
To ensure a smooth and hassle-free application process, here are three tips to keep in mind.
Firstly, make sure that the information you provide in your application form matches the information in your supporting documents.
Any discrepancies or inconsistencies could lead to delays or even rejection of your application.
Secondly, prepare additional documents that may be required by the bank, such as proof of address or a copy of your credit history.
Lastly, always double-check your application form and supporting documents before submitting them to avoid any errors or omissions.
By following these tips, you can increase your chances of getting approved for a BPI credit card as an employed individual.
For Foreign Resident
Foreign residents who wish to apply for a credit card in the Philippines are required to provide the necessary documents that would prove their legal status in the country.
This requirement is in line with the country’s banking regulations and policies that aim to promote responsible lending practices.
A valid passport is one of the primary documents that foreign residents need to present when applying for a credit card.
This document serves as proof of their identity and citizenship, as well as their legal right to stay in the country.
Aside from a passport, foreign residents can also provide an Alien Certificate of Registration and Work Permit or Embassy Accreditation Papers.
The Alien Certificate of Registration and Work Permit is a document issued by the Bureau of Immigration that certifies a foreign national’s legal status in the country.
On the other hand, Embassy Accreditation Papers are issued by the embassy of the foreign resident’s home country in the Philippines, which certifies their identity and legal status.
These documents serve as proof that foreign residents are eligible to apply for a credit card in the Philippines and are compliant with the country’s laws and regulations.
How To Fill Out The BPI Application Form Online?
One important aspect of applying for a credit card is properly filling out the online application form, which requires attention to detail and accuracy.
When filling out the BPI credit card application form online, it is important to ensure that all the required fields are completed accurately.
The form will ask for your personal information such as your name, address, contact details, and employment information.
In addition, you will also need to provide information about your finances, such as your income, expenses, and existing debts.
It is important to take your time when filling out the form and to review your answers thoroughly before submitting them.
Any mistakes or inaccuracies can delay the processing of your application or even lead to its rejection. Additionally, be sure to provide all the required information to avoid any delays in processing your application.
By following these steps, you can ensure that your application is processed as quickly and smoothly as possible.
Promotions and Offers For BPI Card Holders
BPI credit card holders can take advantage of the exciting promotions and offers available this month.
One of the top deals is the chance to win back up to ₱5,000 worth of SM Gift Passes instantly when using your BPI Mastercard Credit, Debit, or Prepaid Card at The SM Store.
This is a great opportunity to receive a discount on your purchases while also having the chance to win back some of the money spent.
In addition to the chance to win back SM Gift Passes, BPI credit card holders can also receive discounts at top restaurants.
For example, the Hilton Manila is offering up to 50% off on local and international favorites from Kusina, as well as up to 50% off on authentic Shanghainese cuisine from Hua Yuan, when using your BPI Credit Card for payment.
With these promotions, BPI credit card holders can enjoy delicious meals while also enjoying significant savings.
BPI Point Rewards For Different Credit Cards
Now let’s discuss the BPI Point rewards for different credit cards, namely the BPI Blue Mastercard, BPI Platinum Rewards Mastercard, BPI Edge Mastercard, BPI Gold Mastercard, and Petron-BPI Mastercard.
Each card type has specific earning rates for BPI Points based on the amount charged to the card.
The BPI Points Rewards program allows cardholders to redeem their points for various rewards such as gift certificates, gadgets, appliances, and airline miles.
BPI Blue Mastercard
One of the credit cards offered by BPI is the Blue Mastercard, which provides various features that cater to the different needs of its clients.
Among its features is the ability to earn BPI points for every spend, which can be used to redeem rewards and discounts.
For every ₱35 spent, clients can earn 1 BPI point. This feature is useful for individuals who frequently use their credit cards for various transactions such as paying bills, purchasing groceries, and other expenses.
Moreover, the Blue Mastercard also offers up to ₱2 million in travel insurance coverage, which provides peace of mind for those who love to travel.
Apart from these features, the Blue Mastercard also offers flexible payment options with up to 36 months of installment terms.
This feature is beneficial for those who need to make big purchases but cannot afford to pay for them in one go.
Additionally, the Blue Mastercard has an annual income requirement of ₱180,000, which is relatively lower compared to other credit cards in the market. It also has an annual fee of ₱1,550, but the first year is free.
Overall, the Blue Mastercard is a great option for individuals who want to have a credit card that offers various features at an affordable cost.
BPI Platinum Rewards Mastercard
The Platinum Rewards Mastercard offers exclusive perks and benefits to its cardholders, making it a great choice for those who want to maximize their spending.
With every ₱30 local spend and ₱20 overseas spent, cardholders earn 2 BPI Points, which can be exchanged for various rewards such as airline miles, shopping vouchers, and cash rebates.
This rewards program is a great way to earn back some of the money spent on purchases, making the Platinum Rewards Mastercard a financially savvy choice.
In addition to its rewards program, the Platinum Rewards Mastercard also offers generous travel insurance coverage of up to ₱10 million.
This coverage includes travel accident insurance, medical expense reimbursement, and even baggage loss or delays insurance.
For frequent travelers, having this level of protection can provide peace of mind and save a lot of money in case of an unexpected event.
Overall, the Platinum Rewards Mastercard is a great choice for those looking for a credit card that offers both financial benefits and travel protection.
BPI Edge Mastercard
Transitioning from the BPI Platinum Rewards Mastercard, another credit card option offered by the Bank of the Philippine Islands is the BPI Edge Mastercard.
This credit card is designed for individuals who value flexibility and convenience in their spending and payment habits.
With an annual income requirement of ₱180,000, the BPI Edge Mastercard offers a monthly fee of ₱110 (free for the first year) and a monthly interest rate of 3%.
One of its key features is the ability to earn 1 BPI Point for every ₱50 spent, providing cardholders the opportunity to accumulate points and redeem them for a variety of rewards.
Additionally, the BPI Edge Mastercard allows for up to 36 months of installment terms, making it an ideal option for those who prefer to pay for their purchases in smaller, more manageable amounts.
BPI Gold Mastercard
A valuable credit card option for those seeking exclusive perks and benefits is the BPI Gold Mastercard, providing a high annual income requirement and free travel insurance coverage of up to ₱10 million.
This credit card is ideal for individuals who are looking for a premium credit card that offers an array of benefits and privileges.
With an annual fee of ₱2,250, which is waived for the first year, cardholders can enjoy features such as earning 1 BPI Point for every ₱35 spent, up to 36 months installment terms, and a monthly interest rate of 3%.
The BPI Gold Mastercard is designed for individuals who have a higher annual income requirement of ₱480,000.
This credit card provides not only financial convenience but also peace of mind with its free travel insurance coverage of up to ₱10 million.
Moreover, the cardholder can enjoy the flexibility of paying for their purchases in installment terms for up to 36 months.
With its impressive rewards program and exclusive benefits, the BPI Gold Mastercard is a great credit card option for those who are looking for an elevated credit card experience.
Petron-BPI Mastercard
By providing a fuel rebate and welcome gift, the Petron-BPI Mastercard offers an attractive option for individuals seeking to save money on their gas purchases and maximize their rewards.
With the fuel rebate, cardholders can save 3% on their fuel purchases at participating Petron stations.
This can translate to significant savings, especially for those who frequently drive and use their cars for daily commutes or long trips.
Moreover, the ₱200 fuel voucher welcome gift can be a great incentive for those who are looking to make their first fuel purchase using the card.
Aside from the fuel rebate and welcome gift, the Petron-BPI Mastercard also offers other key features that make it a compelling credit card option.
For one, the card has an annual fee of only ₱1,550 and is free for the first year. Additionally, the card has an annual income requirement of ₱180,000, which is relatively lower compared to other credit cards in the market.
With its low fees and income requirement, the Petron-BPI Mastercard can be a practical and accessible option for many Filipinos looking for a credit card that offers rewards and savings.
BPI Amore Platinum Cashback
Moving on from discussing the Petron-BPI Mastercard, we now delve into the BPI Amore Platinum Cashback.
This credit card is designed for individuals who have an annual income of at least ₱1 million and offers cash back rewards for every spend.
The card comes with an annual fee of ₱5,000, which is waived for the first year, and a monthly interest rate of 3%.
One of the key features of the BPI Amore Platinum Cashback credit card is the cashback rewards system.
Cardholders can enjoy 4% cashback for every ₱1,000 spent at restaurants, 1% cash back for every ₱1,000 spent at supermarkets and other shopping stores, and 0.3% cashback for every ₱1,000 spent on all other purchases.
Additionally, the card offers up to 36 months of installment terms, which can help individuals manage their expenses more responsibly.
With its attractive rewards program and flexible payment terms, the BPI Amore Platinum Cashback credit card can be a great choice for individuals who prioritize cashback rewards and financial flexibility.
BPI Amore Cashback Card
The BPI Amore Cashback Card is a credit card that offers a cashback rewards program, providing cardholders with incentives to make purchases in certain categories.
The cashback rates vary based on the spending category, and the card offers a 4% cashback on supermarkets, 1% on drug stores and utilities, and 0.3% on another local spending for every ₱1,000 spent.
This program is designed to encourage cardholders to spend more in specific categories, such as supermarkets, where they can earn a higher cashback rate.
In addition to the cashback rewards program, the BPI Amore Cashback Card also offers up to 36 months of installment terms.
This feature provides cardholders with the flexibility to pay for large purchases over a longer period of time, making it easier for them to manage their finances.
With an annual income requirement of ₱180,000 and an annual fee of ₱2,050 (which is waived for the first year), this credit card is a great option for those who want to earn cashback rewards while enjoying flexible payment terms.
BPI Visa Signature
One noteworthy feature of the Visa Signature credit card offered by BPI is the free travel insurance coverage of up to ₱20 million. This is a valuable benefit for frequent travelers who want peace of mind while abroad.
The insurance covers accidental death and dismemberment, medical expenses, trip cancellation, and other travel-related emergencies.
To avail of the free travel insurance, cardholders must charge their plane tickets to their BPI Visa Signature card.
It is important to note that the insurance only covers the cardholder and their immediate family members who are traveling with them.
Aside from the travel insurance benefit, the BPI Visa Signature also offers rewards points for every purchase. Cardholders can earn 2 BPI Points for every ₱20 spent using the card.
These points can be exchanged for air miles, shopping vouchers, or cash rebates. In addition, Visa Signature cardholders can enjoy 50% off on dining, travel, and lifestyle deals with partner merchants.
With an annual fee of ₱5,500 (waived for the first year) and a monthly interest rate of 3%, the BPI Visa Signature is a premium credit card that offers exclusive perks and benefits to its users.
| Pros | Cons |
|---|---|
| Free travel insurance coverage of up to ₱20 million | High annual fee |
| Earns 2 BPI Points for every ₱20 spent | Monthly interest rate of 3% |
| 50% off on dining, travel, and lifestyle deals | Exclusive to Preferred Clients |
| Free annual fee for three years for Preferred Clients | Requires a high annual income of ₱1.2 million |
BPI Express Online Banking Guide
To properly navigate BPI Express Online, users must follow the specific registration procedures for their type of account, whether it is ATM-based, passbook-based, or credit card-based.
Once registered, users can access a range of features, including balance inquiry, bill payment, fund transfers, and access to transaction history.
The online banking system is available through a browser or app and provides additional services such as investing online, bill payment, timeslot reservation, online statement of account, and funds transfer.
To ensure the security of their financial transactions and credentials, BPI Express Online implements various measures such as the nomination of the user ID and password by the client, SSL end-to-end encryption, and verification for password resets.
Moreover, BPI also conducts pre-enrollment procedures for critical financial transactions and sends email confirmations/alerts for every financial transaction.
However, users are advised to remain vigilant in keeping their financial transactions and credentials secure.
By following the registration procedures and exercising caution, BPI Express Online users can make the most of the online banking system’s features while safeguarding their financial information.
Benefits of BPI Credit Card
The BPI Credit Card offers several benefits to its users, including safe online transactions, Special Installment Plan (S.I.P.) loans, and special installment options for online purchases.
In addition, users can easily pay their bills using their credit card, and take advantage of various credit card promos.
These features make BPI Credit Card a convenient and practical choice for those looking for a reliable credit card that offers added benefits.
Safe Online Transactions
Ensuring secure and risk-free online transactions is vital for BPI Credit Card users to experience a hassle-free shopping experience.
With the increasing number of online transactions, cybercriminals are also becoming more sophisticated in their schemes.
To address this concern, BPI has implemented several security measures to protect its credit card users from fraud and unauthorized transactions.
One of the key security measures that BPI has implemented is the One-Time Password (OTP) system.
This system requires the cardholder to input a unique code sent to their registered mobile number or email address before the transaction can be completed.
This additional layer of security ensures that only the cardholder can authorize the transaction and prevents unauthorized access to their credit card details.
BPI also provides a 24/7 fraud monitoring service that detects suspicious transactions and alerts the cardholder for confirmation.
These security measures give BPI Credit Card users the peace of mind they need to shop online without worrying about the safety of their personal and financial information.
Special Installment Plan (S.I.P.) Loans
Implementing a Special Installment Plan (S.I.P.) loan provides the opportunity for credit card users to convert their limit into cash and pay in easy installment terms.
This plan offers up to 24 months with Real 0% S.I.P. and a bonus installment credit limit of up to 100% of their regular credit line.
The length of the installment terms varies per merchant, but the option to pay up to 90 days later when you buy now with your BPI Credit Card is available (subject to availability at the merchant’s site).
The S.I.P. loan is a convenient way for cardholders to manage their finances while still being able to make significant purchases.
By converting their credit limit into cash, they can spread the payments over a specific period, allowing them to budget their expenses accordingly.
The table below shows a sample breakdown of the S.I.P. loan for the purchase of PHP 20,000 with a 12-month installment term.
| Month | Principal | Interest | Monthly Amortization |
|---|---|---|---|
| 1 | 1,666.67 | 0.00 | 1,666.67 |
| 2 | 1,666.67 | 0.00 | 1,666.67 |
| 3 | 1,666.67 | 0.00 | 1,666.67 |
| 4 | 1,666.67 | 0.00 | 1,666.67 |
| 5 | 1,666.67 | 0.00 | 1,666.67 |
| 6 | 1,666.67 | 0.00 | 1,666.67 |
| 7 | 1,666.67 | 0.00 | 1,666.67 |
| 8 | 1,666.67 | 0.00 | 1,666.67 |
| 9 | 1,666.67 | 0.00 | 1,666.67 |
| 10 | 1,666.67 | 0.00 | 1,666.67 |
| 11 | 1,666.67 | 0.00 | 1,666.67 |
| 12 | 1,666.67 | 0.00 | 1,666.67 |
In this example, the principal amount of PHP 20,000 is divided into 12 equal monthly payments of PHP 1,666.67, with no additional interest charged.
This table shows how the borrower’s monthly payments are distributed between principal and interest, as well as the total monthly amortization.
Special Installment For Online Buys
Online shoppers can take advantage of special installment plans to make big purchases more budget-friendly, with the BPI Credit Card offering 0% interest rates for purchases made online.
This means that shoppers can pay for their purchases in equal monthly installments over a period of up to 36 months, without worrying about accruing interest charges.
To avail of the special installment plan for online purchases, shoppers can simply use their BPI Credit Card when making transactions in partner stores. This includes popular online retailers such as Lazada, Zalora, and Shopee.
With this option, shoppers can enjoy the convenience of online shopping while also managing their finances effectively.
Easy Payment Of Bills
Now, let’s delve into another convenient feature of the BPI credit card, its easy payment of bills.
With over 400 billers available for payment, BPI credit cardholders can settle their monthly dues with just a few clicks through BPI Online or the BPI Mobile App.
This feature provides the utmost convenience for busy individuals who cannot afford to miss their due dates.
Moreover, the payment transactions are secured through OTP/Mobile Key, ensuring that each transaction is verified and authorized by the cardholder.
This feature eliminates the risk of fraud and unauthorized transactions, providing cardholders with the peace of mind that their finances are safe and secure.
With BPI credit card’s easy payment of bills, cardholders can avoid the hassle of lining up in payment centers or missing payment deadlines.
They can simply enroll their bills one time and pay them anytime, anywhere, providing them with the flexibility and convenience they need to manage their finances efficiently.
Credit Card Promos
One of the current features available for customers is credit card promos, which offer exclusive perks and discounts for various products and services.
These promos allow BPI credit cardholders to enjoy a range of benefits, including cashback rewards, discounts on dining and shopping, and even freebies such as gadgets and travel vouchers.
BPI credit cardholders can take advantage of these promos by simply using their card to make purchases from participating merchants.
These promos are regularly updated, providing customers with new and exciting ways to save money and get more value from their credit cards.
By taking advantage of these credit card promos, customers can enjoy even more benefits from their BPI credit card, making it an even more attractive option for those looking to maximize their spending power.
Great Credit Card Features
Among the features that customers can enjoy when acquiring a BPI credit card are cash options, rewards points, and low Forex conversion rates.
The cash options and rewards points provide customers with additional benefits when using their credit cards.
This option allows customers to convert their credit limit into cash, providing them with much-needed liquidity when they need it.
Additionally, the rewards points allow customers to earn points for every transaction they make using their credit card.
These points can be used to redeem various items, from travel packages to merchandise, providing customers with added value for their credit card use.
Lastly, the low forex conversion rates make it more convenient for customers to use their credit cards for international transactions, as it minimizes the additional costs they would otherwise incur.
Waived Annual Fees
Moving on from the great credit card features of BPI, another perk to consider is the waived annual fees.
New cardholders can enjoy no annual fees in their first year, which is a great way to save money while still enjoying the benefits of owning a credit card.
Additionally, BPI also offers credit card no-annual fee promos that are available to all cardholders as long as they meet the spending requirement within the promo period.
The waived annual fees of BPI credit cards are a great way to entice potential customers to sign up for their services.
Aside from this, BPI’s credit card no annual fee promos are a way to reward their loyal customers and encourage them to keep using their credit cards.
These promos usually have a minimum spend requirement within the promo period, which can be easily achieved by using a credit card for daily expenses.
Below is a table that highlights the waived annual fees and no annual fee promos of BPI credit cards.
| Card Type | Waived Annual Fees | No Annual Fee Promos |
|---|---|---|
| BPI Blue Mastercard | First-year only | None |
| BPI Gold Mastercard | First-year only | None |
| BPI Edge Mastercard | First-year only | None |
| BPI Family Mastercard | First-year only | None |
| BPI Amore Visa | First year only | Seasonal promos |
| BPI Visa Signature | None | Seasonal promos |
Overall, BPI’s waived annual fees and credit card no annual fee promos are a great way to save money and enjoy the benefits of owning a credit card.
These perks, combined with the great credit card features of BPI, make them a top choice for anyone looking to apply for a credit card.
Non-Expiring BPI Points
Possessing reward points that do not expire provides a sense of security and allows for greater flexibility in redeeming items and services. This is precisely what BPI credit cardholders enjoy with their Non-Expiring BPI Points.
BPI Points are earned for every purchase made using a BPI credit card, and these points can be redeemed for various items and services, such as shopping vouchers, airline miles, and even free hotel stays.
Unlike other credit card reward programs, BPI Points do not have an expiration date, ensuring that cardholders can take their time in accumulating points and redeeming them for their desired rewards.
Aside from providing a sense of security, having non-expiring BPI Points also allows cardholders to maximize their rewards.
They can choose to accumulate points for a longer period to redeem bigger rewards, or they can redeem smaller items more frequently.
Additionally, BPI credit cardholders can access the BPI Rewards Catalog or VYBE App to view the available rewards and track their points.
With non-expiring BPI Points, cardholders can enjoy the flexibility of redeeming their rewards at their own pace, without the pressure of a deadline.
Overall, the Non-Expiring BPI Points feature is an excellent benefit for BPI credit cardholders, providing them with a seamless and flexible rewards program.
Frequently Asked Questions About BPI Credit Cards
This section aims to address the frequently asked questions regarding the BPI Credit Card and its rewards.
What Are The Eligible Credit Cards For This Rewards Program?
The rewards program offered by BPI is available to a select range of credit cards, including the Visa Signature Card, Platinum Rewards Mastercard, Gold Mastercard, Blue Mastercard, eCredit Mastercard, and Edge Mastercard.
These cards are specifically chosen for their capacity to provide benefits and rewards to the cardholder, based on their spending behavior and lifestyle choices.
To maximize the benefits of the rewards program, it is important to choose the right credit card that matches your lifestyle needs.
Here are some features and benefits of the eligible credit cards for the BPI Rewards program:
- The Visa Signature Card offers exclusive travel privileges and access to airport lounges worldwide.
- The Platinum Rewards Mastercard allows cardholders to earn points faster and redeem rewards easily.
- The Gold Mastercard provides a low-interest rate and flexible payment terms, as well as exclusive discounts and deals from partner merchants.
- The Blue Mastercard is ideal for everyday expenses such as groceries, gas, and bills, with cashback rewards for every purchase.
- The eCredit Mastercard offers a hassle-free online shopping experience and cash rebates for online purchases.
- The Edge Mastercard is perfect for young professionals and entrepreneurs, with perks such as discounts on dining and lifestyle expenses.
Do I Need To Enroll To Start Earning Points?
Enrollment is not required for credit cardholders to earn points, although downloading and registering to VYBE is necessary if accessing and using points through the mobile app is desired.
BPI credit cardholders can start earning rewards points automatically upon using their credit cards for qualified transactions.
Points earned can be used to redeem rewards available in BPI’s rewards catalog, which includes shopping vouchers, airline miles, and other exclusive privileges.
While enrollment is not necessary for earning points, registering to VYBE offers a more convenient way of managing rewards points.
With VYBE, cardholders can easily view their points balance, redeem points, and check for exclusive deals and promotions.
The mobile app also provides updates on the latest rewards available, making it easier for cardholders to maximize their points and enjoy exclusive privileges.
Can I Redeem Points Earned From Credit Cards Via Other Channels?
Redemption of points earned from credit cards can be conducted via various channels.
This range from Contact Center, Branches, through your Relationship Manager, or via SMS, albeit with varying points required for redemption.
BPI credit card holders have the option to redeem their points through any of these channels, depending on their preference and convenience.
However, it is important to note that the points required for redemption may differ per channel, so it is advisable to check the corresponding points needed before proceeding with the redemption.
Redemption through Contact Center or Branches may require a higher number of points compared to SMS or through your Relationship Manager.
This is because of the added cost of manpower and resources involved in processing the request.
On the other hand, redemption through SMS or through your Relationship Manager may have lower points required but may have limitations on the items or vouchers that can be redeemed.
Regardless of the channel, BPI credit card holders can still enjoy the benefits of their accumulated points and choose the redemption channel that best fits their needs.
Can My Supplementary Cards Also Earn Points Under The Program?
Supplementary cardholders are eligible to earn points under the program, but only the primary cardholder can redeem them.
The points earned by the supplementary cardholder will be credited to the primary cardholder’s account.
It is important to note that the points earned by the supplementary cardholder will depend on the specific terms and conditions of the credit card agreement.
Some credit card companies may have limitations on the number of points that can be earned by supplementary cardholders, while others may have different earning rates for primary and supplementary cardholders.
Therefore, it is advisable to carefully review the terms and conditions of the credit card agreement to fully understand the benefits and limitations of the program.
- Supplementary cardholders can earn points under the program.
- The points earned by supplementary cardholders will be credited to the primary cardholder’s account.
- The specific terms and conditions of the credit card agreement will determine the number of points that can be earned by supplementary cardholders.
Are The Options I Redeemed From My Bpi Credit Card Still Available In VYBE?
Options previously redeemed from the program are still available through other channels of BPI.
VYBE offers eGifts as rewards. BPI cardholders can redeem Shopping Credits, Membership Fee Waivers, Miles, Donations, and Investments.
Redemption can be done via email, Contact Center, BPI branches, and SMS (for select items).
This ensures that BPI customers can still take advantage of the rewards program and redeem their points for valuable items or services.
To help illustrate the various redemption options available through BPI, below is a table showing the different rewards and the channels through which they can be redeemed:
| Rewards | Redemption Channels |
|---|---|
| Shopping Credits | Email, 24-hour Contact Center, any BPI branch, SMS (for select items) |
| Membership Fee Waivers | Email, 24-hour Contact Center, any BPI branch |
| Miles | Email, 24-hour Contact Center, any BPI branch |
| Donations | Email, 24-hour Contact Center, any BPI branch |
| Investments | Email, 24-hour Contact Center, any BPI branch |
Through these various channels, BPI cardholders can redeem their points for rewards that suit their needs and preferences.
Whether it’s shopping credits for their favorite stores or donations to their chosen charity, BPI ensures that there are options available for every customer.
What You Must Consider When Choosing A BPI Credit Card?
With the vast array of credit cards offered by BPI, it is crucial to determine which one suits your lifestyle and budget.
You should take into account your preferred type of reward, what you will frequently use the card for, and your monthly income.
Moreover, when selecting a BPI credit card, it is also essential to look at the annual fee and interest rate.
While some cards may offer attractive rewards, they may come with a high annual fee that can eat up your reward points.
It is also crucial to check the interest rate, which is the cost of borrowing money from the bank. You should opt for a card with a lower interest rate as this can save you money in the long run.
Finally, do not forget to review the rewards points and exclusive perks that come with the card. These rewards can be a significant factor in choosing a credit card, so make sure to select one that matches your lifestyle and needs.
How To Check My BPI Credit Card Application Status Online?
To track the status of your application for a BPI credit card, you can conveniently check it online.
BPI offers an online tracking system that allows applicants to check the status of their applications anytime and anywhere.
To do this, simply go to the BPI website and click on the ‘Credit Cards’ tab. Under the tab, you will see a link to ‘Track Application Status.’
Click on this link and enter your 10-digit application ID number to view the status of your application.
Using the online tracking system is a quick and easy way to stay updated on the status of your BPI credit card application.
It saves you time and effort, as you no longer need to call BPI’s customer service hotline or visit a BPI branch to inquire about your application status.
Additionally, the system is user-friendly and accessible, making it convenient for applicants who are always on the go.
How To Activate My BPI Credit Card?
Activating a BPI credit card can be done through SMS or by visiting a BPI branch with the card and a valid ID.
To activate the card via SMS, the cardholder must send a message with the format “BPIACT last 10 digits of your BPI Credit Card” to 225689.
This process is quick and convenient, allowing the cardholder to activate their card anytime and anywhere.
However, if the cardholder prefers a more personal approach, they can visit any BPI branch to activate their card. They must bring their inactive BPI credit card and one valid, photo-bearing ID.
The process only takes a few minutes, and the cardholder can immediately start using their card after activation.
To further understand the steps in activating a BPI credit card, here is a table that summarizes the two methods:
| Activation Method | Steps |
|---|---|
| SMS Activation | 1. Type BPIACT last 10 digits of your BPI Credit Card 2. Send the message to 225689 |
| BPI Branch Activation | 1. Bring the inactive BPI credit card and one valid, photo-bearing ID to any BPI branch 2. Fill out the necessary forms and submit the requirements 3. Wait for the activation process to be completed |
Overall, activating a BPI credit card is a straightforward process. Whether the cardholder chooses to do it via SMS or by visiting a BPI branch, the activation process only takes a few minutes to complete.
By activating their card, the cardholder can start enjoying the benefits and privileges that come with being a BPI credit cardholder.
How Do I Check My BPI Credit Card Balance?
Once you have successfully activated your BPI credit card, it is important to keep track of your spending and balance.
Checking your credit card balance is an essential step in managing your finances and avoiding any unnecessary charges or fees. Fortunately, BPI offers several convenient methods for checking your credit card balance.
One way to check your BPI credit card balance is through their online or mobile banking platform. Simply log in to your account and navigate to the credit card section to view your balance.
Alternatively, you can use BPI Phone Banking by dialing their hotline and selecting the credit card option. From there, you can inquire about your balance by entering your 16-digit credit card number.
By regularly monitoring your credit card balance, you can stay on top of your expenses and maintain a healthy credit score.
How Many Days Does A BPI Credit Card Application Take?
The BPI credit card application process typically requires a waiting period of one to two weeks before an update is provided, causing prospective applicants to experience a sense of anticipation and uncertainty.
During this waiting period, it is recommended that applicants refrain from applying for another BPI credit card, as doing so may affect the status of their pending application.
To provide further information on the BPI credit card application process, a table is presented below.
The table outlines the requirements and documents needed for a successful application, as well as the eligibility criteria that applicants must meet.
| Requirement | Document Needed | Eligibility Criteria |
|---|---|---|
| Age | Valid ID or Birth Certificate | At least 21 years old |
| Residency | Proof of billing | Must have a valid TIN |
| Employment Status | Latest Income Tax Return or COE | Must have a stable source of income |
| Credit History | Credit Bureau Report or Billing | Must have a good credit history |
By meeting these requirements and eligibility criteria, prospective applicants can increase their chances of a successful BPI credit card application.
While the waiting period may cause some uncertainty, a clear understanding of the process and requirements can alleviate some of the stress and provide a clearer path toward approval.
Where Can I Pay My BPI Credit Card?
Multiple payment channels are available for settling your BPI credit card bills, providing convenient and accessible options for payment, no matter where you are.
For starters, you can simply make your payments at any BPI Bank branch.
If you have an account with BPI, you may also enroll in any of their payment channels, such as Auto-Debit Arrangement, BPI Mobile Banking, BPI Online Banking, BPI Phone Banking, and BPI ATMs.
These options allow for easy and hassle-free payment transactions, as you can pay your bills anytime and anywhere you want.
Moreover, if you prefer to pay through third-party payment centers, you may do so at any SM Bills Payment counter, ECPay merchant partners, and Bayad Centers.
These payment channels enable you to settle your BPI credit card bills even if you don’t have a BPI account.
With these multiple payment options, you can choose the method that best suits your needs and preferences, and enjoy a stress-free payment experience.
How Do I Contact BPI Customer Service Regarding Credit Card Issues?
To ensure prompt and effective assistance with any concerns or inquiries, customers may readily reach out to BPI’s customer service through various channels.
Aside from the BPI contact numbers provided, customers may also send an inquiry on the BPI Official Facebook page or fill out the online form on the website to contact BPI customer service via email.
These channels provide convenience to customers who prefer to use various communication methods to reach out for assistance.
For customers who prefer to speak to a customer service representative, BPI offers a domestic toll-free number and a separate mobile phone number for customers who are on the go.
These contact numbers are available 24/7 to cater to customer needs at any time of the day.
To further assist customers with their concerns, BPI has a comprehensive website that offers a variety of services and information, including FAQs and self-help options.
| BPI Customer Service | Contact Details |
|---|---|
| Metro Manila | (+632) 889-10000 |
| Domestic toll-free | (+632) 1-800-188-89-100 |
| Mobile phone | (+632) 889-10000 |
| BPI Official Facebook page | https://www.facebook.com/bpi/ |
| BPI customer service email | https://www.bpi.com.ph/contactus |
Overall, BPI’s customer service channels provide customers with a seamless and efficient experience in addressing their concerns and inquiries.
When Will My Credit Card Payment Be Posted?
Posting of payments for credit card transactions follows specific timelines depending on the mode of payment used by the customer.
- Over-the-counter cash payments made at BPI branches will be posted on the next banking day.
- Check payments made before the clearing cut-off will be posted after the third banking day.
- Phone and online banking payments made on banking days before 10 p.m. are considered same-day transactions, and will therefore be posted on the next banking day.
- Payments made between 10 p.m. and 12 midnight on weekends and holidays will be considered the next banking day transactions.
- Payments made at SM Bills Payment Centers, Bayad Centers, and ECPay merchant partners will be posted after three banking days.
It is important for credit cardholders to be aware of these posting timelines to avoid any missed payments or late fees.
It is also recommended to make payments ahead of the due date to allow for any processing delays. Customers may also opt for automatic debit arrangements to ensure timely payments and avoid any inconvenience.
Overall, understanding the payment posting timelines can help customers manage their credit card payments more effectively and avoid any unnecessary fees or charges.
Final Summary
BPI credit card is a popular choice for Filipinos who are looking to enjoy the benefits of a credit card.
To be eligible for a BPI credit card, applicants must meet certain requirements such as age, income, employment status, and credit score.
The application process also requires applicants to submit various documents such as government-issued IDs, proof of income, and billing statements.
BPI credit cardholders can enjoy various promotions and offers such as cashback rewards, discounts, and exclusive access to events.
They can also earn BPI points for every purchase which can be redeemed for various rewards. Online banking is also available for easy and convenient management of credit card transactions.
Overall, BPI credit card offers a range of benefits for its users, from rewards and promotions to convenient online banking.
However, it is important to use credit responsibly and pay bills on time to avoid accumulating debt. With proper management, BPI credit cards can be a valuable financial tool for Filipinos.
