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The Handy BPI Credit Cards Guide for Filipinos

Filled under: Borrow Lifestyle 

Updated June 9, 2017

Over the years, Filipinos have been discovering the bliss of using credit cards for their usual shopping, however, many are still mystified on its full potential and could be wasting the best features they could be enjoying. Bank of the Philippine Islands have created 10 credit cards with various perks and features to suit the Filipino’s lifestyle and preferences.

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BPI Credit Card Rewards

  1. BPI Family Credit Card

This classic credit card is now packed with more features than it used to. It has partnered with most sought after establishments and can generate rewards into travel, insurance, groceries and other shopping whim. In partner with MasterCard, you can actually use the BPI Family Credit Card in over 29 million establishments all over the world.

This card is recommendable to those who never had a credit card before but had already been regularly employed for a year with an annual income of P180, 000. With basic usage, this card is simple to use and financially light with 2.00% charged interest rate and the annual fee is only P1,000.  BPI also lets you withdraw as much as 30% of your credit limit in case you need cash for emergency.

  1. BPI eCredit

Filipinos have been into online shopping nowadays. What won’t you love with the freedom to window shop at the comforts of your own home? You can compare styles, prices and make of the products you are eyeing. You can even order raw materials in bulk whenever you need it for your small business. Order party invites, pay a freelance for a layout design, and even buy cupcakes for special occasions without even going out of the house. While you enjoy the perks of online shopping, there is also the fear of identity thief and protecting you is the main purpose of BPI eCredit.

BPI eCredit has a lower credit limit than the usual credit cards, in case someone else uses your card, and then it would be used much for fraudulent activities. Since the credit card number is different from the main credit card connected to your BPI bank account, you can shop at your heart’s content. Grab the chance of getting a credit card without any annual fee.

  1. BPI Amore Visa

For those who love the ambiance and shopping stores in Ayala Malls, this card is created for you. The perks and rewards are not enough, it even offers rebates when you pay for Ayala Mall stores products and services. Who won’t love rebates? You can get as much as P15,000 rebates a year. Treat your sweetheart in a fancy dinner, take your kids shopping in Landmark, or treat your mom with a lavish footspa. Not only will you enjoy your bonding moments, you are also earning rewards which you can reap for more exciting treats. And if your feet get sore with strolling around, have an unlimited access to customer & family lounges. The fun does not stop there, receive exclusive invitations to special events and promotions in Ayala Malls.

In case you are into movies, but hates the long lines during movie premiers, use the express lane and even avail of the 5% discounts on Ayala Cinema tickets.

  1. BPI Amore Visa Platinum

Can’t get enough of shopping and fun in Ayala Malls? If you practically do most of your purchases and family bonding in   Ayala Malls, you might as well get the most of it with BPI Amore Visa Platinum and get a maximum of P25,000 rebates every year, plus discounts and freebies from the partnering Ayala Mall stores.  Earn rebates every time you spend at least P1,000 at BPI-affiliated stores. Do not forget that you can even be the first to sit in movie premieres with the privilege of Express Lane for Ayala cinema ticket purchase topped with 5% discount of your ticket purchases.

As if there are no more exclusive perks to be added, Ayala Malls have more rewards if you register yourself and your friends on Facebook. You can also use your cards to any stores around the world as long as it partners with Visa. The Amore Visa credit cards are fit for shopaholics, however if you do not usually go to Ayala malls, then might as well look for more practical cards.

  1. BPI Edge MasterCard

If you are the fashionista, yet you are also into the budget strains, then this card might work the best for you. As a fashion savvy, you can’t get behind, this is why BPI partnered with fashion shops to give card holders exclusive deals and rewards. You can also get invited to various fashion shows and have the time of your life with many fashion designers.

Do not worry if you can’t pay the annual fee upfront. The Edge MasterCard has a free annual fee for a year, and then the succeeding annual fees can be paid at P110 a month. Buy your apparels and signature items with the card and earn a point with every P50 purchase. Aside from the fashion perks, this card adds convenience as there is no more need to get out and buy your prepaid SIM load. With an SMS, you can reload your mobile phone and even view your credit balance. And as while we speak about credit balance, you ought to know that this card actually has 2 credit limits: for shopping and for SIP Loans. You can even withdraw cash up to the 30% of your credit limit in cash you need cash and a card is not acceptable to a certain store where you want to make a purchase.

  1. BPI Blue MasterCard

The BPI Blue Master Card is also a classic card which gives you the privilege to join most promotional offers from BPI and other partnering establishments. You can earn a point for every P35 purchase and use the points for various rewards. When you use the Blue MasterCard to pay for your travel fares, you get to be entitled for q tree travel insurance as much as P2 million. However, it is advisable to carefully read the terms and conditions to know the exact scope of the insurance coverage. The last thing you want is to lose your free travel insurance due to doing something stupid like getting too drunk.

Use the card in stores worldwide which accept MasterCard. In case you had an emergency, you can even withdraw cash as much as 30% of your credit limit. Have a complimentary supplementary card and pay the succeeding supplementary cards at P775.

  1. BPI Gold MasterCard

By purchasing travel tickets with the BPI Gold MasterCard you can get a free travel insurance as much as PHP 10 million. The mode of transportation can be by air, land or water and the complimentary insurance starts at the physical checking in on the vehicle. This excludes Uber, taxi and the like. In case you are going to pay for a rent-a-car service, you will only cover if you are travelling at least 60 kilometers from the point of origin.

Anywhere you go globally, expect card holder assistance 24 hours a day at seven days a week. Get a Real Thrills Rewards Points in every purchase worth of P35. While other cards allow you to Cash Advance only up to 30% of the credit limit, the BPI Gold MasterCard allows you to withdraw as much as 100% of your credit limit.

  1. Petron - BPI MasterCard

You can receive up to one free full tank in a year and a free P200 worth of fuel upon receiving your new principal card. You will also get a 3% Fuel Rebate in all participating Petron stations and enjoy as much as P15,000.00 rebates in a year.

Aside from the famous rebates of the Petron - BPI MasterCard, you can also get exclusive offers from the BPI car-related partner merchants. You can also receive discounts on Petron oils and lubes in some particular branches.

  1. BPI Skymiles MasterCard

BPI SkyMiles MasterCard partners with Delta Air Lines to provide benefits and free miles which can be spent worldwide. You can redeem your SkyMiles in over 900 cities through Delta Airlines. If you are a frequent flyer either as a passion or as part of your job/business, this card can fit just right for you. You can earn one SkyMiles for every P45 charged on the card. Do not worry if you could not use the SkyMiles as these are transferable and will never expire. Also, there is not limit on how much SkyMiles you can earn in a year and a free travel insurance up to P10 million.

  1. BPI Skymiles Platinum MasterCard

Travel with BPI SkyMiles Platinum MasterCard and earn SkyMiles every PHP 45 charged. Earn double SkyMiles every time you purchase Delta Air Lines tickets. This platinum card also offers a complimentary travel insurance of up to P20 million. Though it may seem very tempting, you must know that the range of this travel insurance is limited.

The Policy Exclusions are death, assault, murder, extreme sports, pregnancy, childbirth, performance of unlawful act, terrorism, political risks, kidnap and ransom, food poisoning, mosquito bites, cyber-attack, land travel via taxi, Uber and the likes, and any expense for being more than 70 years old.

BPI Credit Cards Special Features

Special Installment Plan (S.I.P.) Loans are flexible and have low interest rates. It has four types of loans:

  • Balance Transfer – to save on your monthly interest, you can consolidate your loans into one. Though this may seem like a very good idea, it is still better to have a good spending habit rather than looking for a way out when you are already knee-deep with debt. The Balance transfer may seem to have low monthly interest rate, however the Effective Interest Rate ranges from 17.05% to 36%. you can’t exactly depend on the monthly rate since it invariably changes.
  • Credit-to-Cash – this allows you to get instant cash from your credit card. The Add-On Rate per Month is only 0.99% to 1.50%, however the Effective Rate per year is 01% to 26.80%.
  • I.P for School – You can use this for tuition fees, uniform, school supplies and other school needs. You can either charge the fees on it or reimburse the fees to have lower interest rate charges.
  • SIP for Hospital - We all know that there are times when the hospital bills go over the roof and we can only pay in installments with our meager salaries. A lot of Filipinos even had to write a promissory note and leave valuable items to the hospital to be able have the chance to pay on a later date. With the BPI credit cards, you can easily ask for monthly installments up to 24 months.

Security Feature

Filipinos are mindful of giving away their personal detail online as there are stories of people who lost their savings after using their credit card for online payments. This fear made owning credit cards scary for some. As an active approach against fraudulent activities through credit cards, BPI will be vigilant in spotting suspicious transactions. The bank will send the clients with an SMS and will ask for a confirmation if such transaction was done or allowed by the cardholder. You must immediately update the bank with your new contact details should you change them.

Contactless cards

The BPI Blue MasterCard, BPI Family Credit Card, and BPI SkyMiles Regular MasterCard Credit Card are contain the MasterCard contactless technology. This technology allows the clients to use their credit card by just tapping it on a radio-frequency (RF) equipped reader terminal.  There is no need to give the card to the cashier and swipe it on the card terminal.

BPI credit card balance inquiry

BPI offers three ways to check your credit card account balance. There is no need to go to a bank. If you have an internet connection, you can check your balance thru BPI Express Online. You can also do this through a phone call or an SMS just by texting BALCC(space)16-digit Card number and sending it to 2274 for Globe/TM or 3274 for SMART/Talk n Text.

Flexible payment mode

You can pay your credit card balances through:

  • Express Phone/Express Online
  • SM Payment Center
  • Citibank (Online/ATM)

Even if you don’t have a credit card for immediate expenses or you have maxed out your cards and you are unable to do your necessary purchase, you can still get the cash you need from Cash Mart. Cash Mart offers flexible and affordable personal loans in Philippines in just a day. Call Cash Mart at (02) 829 0000 or visit CashMart.ph today to know how to get quick loans online.

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