Important Update: Migration of Pru Life UK and UNO Credit Cards to BPI

Advisory

Jan 30, 2026

Updated: July 30, 2026

Following the merger of BPI and Robinsons Bank, please be informed that your Pru Life UK and UNO Credit Cards will be migrated to BPI.

You may view the Frequently Asked Questions (FAQs) below for more details.

You are in

Overview

What is the migration and what will happen during this process?

Following the merger of BPI and Robinsons Bank, all Pru Life UK (PLUK) and UNO cards will be discontinued effective July 2026 and will be migrated to BPI.

For PLUK and UNO Credit Cardholders WITHOUT an existing BPI Credit Card or has a Petron BPI, BPI Amore Cashback, and/or BPI Amore Platinum Credit Card:

You will be issued a BPI Rewards Card. The card variant will depend on the credit limit of your existing PLUK or UNO credit card. Any remaining balances and rewards points will be transferred to your new BPI Rewards Card.

For PLUK and UNO Credit Cardholders WITH an existing BPI Edge, BPI Rewards, BPI Gold Rewards, BPI Platinum Rewards, and/or BPI Signature Card:

Your PLUK and UNO remaining balances and rewards points will be transferred to your existing BPI Credit Card.

When will this migration happen?

Starting April 2026, the migration process of your PLUK and UNO credit cards will begin. You will receive an email advisory regarding the complete timelines of the migration process.

For PLUK and UNO cardholders WHO DO NOT have an existing BPI Credit Card, or whose only existing BPI Credit Card is a Petron BPI, BPI Amore Cashback, or Robinsons Cashback powered by Visa (previously BPI Amore Platinum) Credit Card

What happens to my PLUK and UNO Credit Card account?

Your PLUK and UNO Credit Card including your supplementary card(s), (if any) will be converted to a BPI Rewards Card, depending on your credit limit. With the conversion, the following changes will be applied:

a. New Customer number and card number

1. You will be issued a new BPI Rewards Card with a new customer number, card number, card expiry, and CVV.

2. Starting July 1 onwards, your PLUK/UNO credit cards have been deactivated to prevent any new transactions from being charged to your old account. The blocked card must be properly disposed of by cutting it into several pieces. Ensure that the EMV chip is damaged and properly perforated to prevent any unauthorized use of the card. Don’t worry, this is part of the transition process. You may start using your new BPI Rewards Card for all your transactions.

All your rewards points and balances will be transferred to your new BPI Rewards Card and is expected to be completed by July 30, 2026. Once the points and balances have been transferred to your new BPI Rewards Card, your PLUK and UNO Credit Card, including your supplementary card(s) (if any) will be permanently cancelled. You will receive an advisory confirming the completion of the transition.

b. BPI Credit Card Variant

To know which BPI Rewards Card variant you qualify for, you may refer to the email advisory sent to you which indicates the credit card variant offered.

c. Credit limit

Your new BPI Rewards Card will have the same credit limit as your current PLUK or UNO Credit Card.

d. Monthly Due Date / Monthly Cut-Off or Statement Date

Your new BPI Rewards Card will be assigned with a new monthly cut-off or statement date and payment due date.

e. Supplementary Cards

If applicable, we will issue and deliver the same BPI Rewards Card variant for your supplementary.

f. Rewards Points

For BPI Rewards Card & BPI Gold Rewards Card: Earn 1 point for every ₱35 spent.
For BPI Platinum Rewards Card: Earn 2 points for every ₱30 local spend or every ₱20 foreign currency spend at merchants outside the Philippines for both in-store or online purchases.

g. Annual Fees

For PLUK Classic Cardholders

Card Type	Principal Card	1^st Supplementary Card	2^nd to 6^th supplementary card
BPI Rewards Card	PHP 1,200 AMF waived for first year*	Free for Life	PHP 600
BPI Gold Rewards Card	PHP 1,200 AMF waived for first year*	Free for Life	PHP 600
BPI Platinum Rewards Card	PHP 1,200 AMF waived for first year*	Free for Life	PHP 600

For PLUK Platinum Cardholders

Card Type	Principal Card	1^st Supplementary Card	2^nd to 6^th supplementary card
BPI Rewards Card	PHP 1,550 AMF waived for first year*	Free for Life	PHP 775
BPI Gold Rewards Card	PHP 2,250 AMF waived for first year*	Free for Life	PHP 1,125
BPI Platinum Rewards Card	PHP 3,000 AMF waived for first year*	Free for Life	PHP 1,500

For UNO Classic & Platinum Cardholders

Card Type	Principal Card	1^st Supplementary Card	2^nd to 6^th supplementary card
BPI Rewards Card	PHP 1,550 AMF waived for first year*	Free for Life	PHP 775
BPI Gold Rewards Card	PHP 2,000 AMF waived for first year*	Free for Life	PHP 1,000
BPI Platinum Rewards Card	PHP 2,000 AMF waived for first year*	Free for Life	PHP 1,000

Enjoy a waived annual fee for your first year with BPI. Moving forward, your account will follow the standard BPI fee structure instead of the PLUK and UNO Annual Fee waiver policy.

h. Auto-Charge Payments

To ensure uninterrupted services during the transition, please update your payment details using your new BPI Rewards Card for recurring charges such as online shopping, ride-hailing and delivery services, streaming services, utility bills, insurance premiums, gaming and digital platforms, cloud storage and software services, memberships and other app subscriptions.

I have an outstanding balance and/or outstanding installment under my Pru Life UK and UNO Credit Card. Will this be billed in full?

No. Your outstanding balance and any remaining unbilled installments will be automatically transferred to your new BPI Rewards Card and will appear in your August 2026 BPI Statement of Account (SOA).

Although your July 2026 PLUK/UNO SOA may still show these balances, no payment is required for that statement. Instead, simply pay the amount reflected in your August 2026 BPI SOA on or before its due date.

When transferred to your new BPI Rewards Card, you can continue to pay over the remaining term of your installment. You will still have the option to pay the minimum amount as well.

Do I need to take any action?

a. Activate your new BPI Rewards Card

Upon receipt of your new BPI Rewards Card, activate it immediately to start enjoying all your card’s perks and benefits. For activation instructions, please refer to the card activation sticker found on your card.

b. Auto-Charge Payments

My PLUK and UNO Credit Card is expiring soon; will it still be renewed?

No. Your PLUK and UNO Credit Card will not be renewed but will be replaced by a new BPI Rewards Card. If you have not yet activated your new BPI Rewards Card, kindly activate it immediately to start enjoying the features of your BPI Credit Card and keep your banking experience uninterrupted.

My PLUK and UNO Credit Card is/are enrolled in Auto-Debit Arrangement (ADA) using my Robinsons Bank or BPI Deposit account. Will my ADA enrollment be transferred to my new card?

If your PLUK and UNO Credit Card is enrolled in Auto Debit Arrangement (ADA) using a Robinsons Bank or BPI deposit account, you will need to coordinate with your branch of account to transfer your enrollment to your newly issued BPI Credit Card.

For PLUK and UNO cardholders WITH an existing BPI Edge, BPI Rewards, BPI Gold Rewards, BPI Platinum Rewards, and/or BPI Signature Card

How will this merger affect my PLUK and UNO Credit Card account?

a. Credit Limit

The credit limit of your PLUK and UNO Credit Card will be added to your existing BPI Credit Card.

b. Supplementary Card

If your supplementary (if any) does not have a supplementary card with BPI, we will create and deliver a BPI Credit Card for him/her, free of charge. If you do not want to extend a BPI Supplementary Credit Card to your PLUK/UNO supplementary cardholder, please call our 24-hour BPI Contact Center at ‎(+632) 889-10000.

c. Cancellation of PLUK and UNO card

Starting July 1, you may no longer use your PLUK and/or UNO Credit Card. However, permanent cancellation of your PLUK and UNO Credit Card will take effect only after all your points and balances have been transferred to your new BPI Rewards Card by the end of July 2026.

I have an outstanding balance and/or outstanding installment under my Pru Life UK and UNO Credit Card. Will this be billed in full?

No. Your outstanding balance and any remaining unbilled installments will be automatically transferred to your new BPI Rewards Card and will appear in your August 2026 BPI Statement of Account (SOA).

When transferred to your new BPI Rewards Card, you can continue to pay over the remaining term of your installment. You will still have the option to pay the minimum amount as well.

Do I need to take any action?

a. Auto-Charge Payments

To ensure uninterrupted services during the transition, please update your payment details using your existing BPI Credit Card for recurring charges such as online shopping, ride-hailing and delivery services, streaming services, utility bills, insurance premiums, gaming and digital platforms, cloud storage and software services, memberships and other app subscriptions.

b. Auto Debit Arrangement

My PLUK and UNO credit card is expiring soon, will it still be renewed?

No. Your PLUK and UNO Credit Card will not be renewed. However, you may continue using your existing BPI Credit Card for all your transactions.

I have 2 or more BPI Credit Cards. Which card will my outstanding balance be transferred to?

Depending on the BPI Credit Cards that you own, your outstanding retail and/or installment balances will be transferred to one card following the hierarchy below:

BPI Edge Card
BPI Rewards Card
BPI Gold Rewards Card
BPI Platinum Rewards Card
BPI Signature Card

General Questions

How can I update my contact details (email, mobile number, or billing address) to ensure my records are accurate?

You may call the BPI Contact Center at (+632) 889-10000 to update your registered email address, mobile number or billing address. Once connected, press 2 for Credit Cards, then select 4.

Note: If you have been issued with a new BPI Rewards Card, you may update your contact information by visiting the branch.

I don’t have an existing supplementary card for my PLUK/UNO credit card. How do I request for a supplementary card once I have my newly issued BPI Rewards Card?

You may request a supplementary card by calling the BPI Contact Center at (+632) 889-10000 or by visiting any BPI branch.

I have a supplementary card for my PLUK and UNO Credit Card. Do I need to apply for a new BPI Rewards Card to replace his/her existing Pru Life UK and UNO Credit Card?

If your supplementary cardholder does not have an existing BPI supplementary card, BPI will automatically create and deliver a new BPI supplementary card.
If your supplementary cardholder already has a BPI supplementary card, BPI will no longer provide another one.

The RBank Digital App has been discontinued and my account is still being migrated to BPI. How can I pay my Robinsons Bank Credit Card (PLUK and UNO) bill for April, May, and June 2026?

You may pay through the following payment channels:

BPI Branches
BPI online app (Biller Name: BPI DOS, ROB CASHBACK, PRULIFECC) or BPI Vybe
Robinsons Dept Store
7-eleven
Gcash
ECPay
Bancnet (ATM and online)- applicable to participating members/banks
SM bills payment counters
Maya

*Payment via BPI online app and VYBE is only applicable to BPI depositors.

While the migration is ongoing, where can I view my PLUK and/or UNO Credit Card transactions and balances?

Starting July 1 onwards, the RBank Digital App will no longer be available for viewing your credit card transactions and balances. Don't worry, you can still access this information through your electronic Statement of Account (eSOA), which will be sent to your registered email address.

Display Name	Email Address
BPI CARDS eStatement	noreply@estatement.bpi.com.ph

SOA Guide for Migrated PLUK & UNO Cardholders

A Guide to Your Statement of Account

In line with your transition to a BPI Credit Card, we have prepared this guide to help you understand how your balances will reflect on the Statement of Account (SOA) of your BPI Credit Card.

Definition of Terms

	PLUK/UNO Credit Card Customer that will be converted to a BPI Credit Card	PLUK/UNO Credit Card Customer with an existing BPI Credit Card
Card Number/Customer Number Account or reference number of your credit card.	You will now have a new BPI Rewards Card Number and Customer Number.	Your BPI Credit Card Number and Customer Number will be retained.
Statement Date or Cut-off Date This is the billing statement cut- off wherein new purchases and outstanding balance (if any) from the previous month are reflected.	PLUK/UNO Statement Date or Cut-Off date will change once your card is converted to a BPI Credit Card.	Your BPI Credit Card billing statement cut-off will be retained.
Payment Due Date This is the date when at least the minimum payment is due. This is set monthly based on the due date assigned to your account.	PLUK/UNO Credit Card payment due date will change.	Your BPI Credit Card payment due date will be retained.
Credit Limit This is the total amount you can use when buying or paying for your purchases.	Your new BPI Credit Card will have the same credit limit as your replaced PLUK/UNO credit card.	Your credit limit from your PLUK/UNO credit card will be added to your existing BPI Credit Card limit.
Minimum Amount Due This is the lowest amount you can pay on your credit card bill on or before the payment due date to keep your account in good standing and avoid incurring late payment charges. It is computed as 3.57% of your Total Outstanding Balance less new purchases, cash advances and adjustments, or PHP 850, whichever is higher.	Your new BPI Credit Card which replaced your PLUK/UNO credit card will now follow BPI’s minimum amount due computation.	The minimum amount due computation will remain the same for your BPI Credit Card. Should there be any change, this will be properly communicated to you.
Total Outstanding Balance	The sum of purchases, availments, and cash advances together with all interests, penalties, fees, and other charges incurred thereon, if any, arising from the use of the card.	The sum of purchases, availments, and cash advances together with all interests, penalties, fees, and other charges incurred thereon, if any, arising from the use of the card.
Balance Transfer Cut-off Date	The cut-off date by which the total outstanding balances from PLUK/UNO Card that will be transferred to BPI will be computed. Any purchases, fees, and/or charges posted after the balance transfer cut-off date will still reflect in the PLUK/UNO SOA but will be transferred to your BPI Credit Card.	The cut-off date by which the total outstanding balances from PLUK/UNO Card that will be transferred to BPI will be computed. Any purchases, fees, and/or charges posted after the balance transfer cut-off date will still reflect in the PLUK/UNO SOA but will be transferred to your BPI Credit Card.
Outstanding Installment Principal Balance	The remaining principal balance of an installment transaction that is yet to be billed.	The remaining principal balance of an installment transaction that is yet to be billed.

Below are sample illustrations of the SOAs that you will receive throughout the transition period.

Note: Dates indicated in the scenarios are for illustration purposes only. This may vary depending on your actual PLUK/UNO statement date and BPI statement date.

SCENARIO #1:

Outstanding Balance transfer for PLUK/UNO Credit Cards

Example:

PLUK/UNO SOA Statement Date: July 4, 2026

BPI SOA Statement Date: August 8, 2026

Balance Transfer Cut-off Date: July 25, 2026

PLUK/UNO Credit Card SOA: You will receive your July 2026 PLUK/UNO Credit Card SOA with your balances per usual. However, you may pay for the balances on your August 2026 BPI SOA instead.

BPI Credit Card SOA: This will show the transferred balances from your PLUK/UNO Credit Card, including purchases from your BPI Credit Card. Please pay for your BPI Credit Card SOA on or before your payment due date.

To illustrate:

PLUK/UNO CREDIT CARD SOA FOR JULY 2026

BPI CREDIT CARD SOA FOR AUGUST 2026

PLUK/UNO CREDIT CARD SOA FOR AUGUST 2026

SCENARIO #2:

Installment Balance transfer for PLUK/UNO Credit Cards with an ongoing Convert to Cash transaction with amortized Installment Processing Fee

Example:

PLUK/UNO SOA Statement Date: July 4, 2026

BPI SOA Statement Date: August 8, 2026

Balance Transfer Cut-off Date: July 25, 2026

PLUK/UNO Credit Card SOA: You will receive your July 2026 PLUK/UNO Credit Card SOA with your balances per usual. However, you may pay for the balances on your August 2026 BPI SOA instead.

BPI Credit Card SOA: This will show the transferred installment balances from your PLUK/UNO Credit Card, including purchases from your BPI Credit Card. Please pay for your BPI Credit Card SOA on or before your payment due date.

PLUK/UNO SOA BPI SOA (Before Installment Transfer)	BPI SOA (After Installment Transfer)	Remarks
Installment Amortization & Processing Fee has two separate transaction entries every month. Reflected as: “CONVERT TO CASH” “INSTALLMENT PROCESSING FEE”	Installment Amortization & Processing Fee is combined in one transaction entry. Reflected as: “RB Installment Conversion”	Amortization amount may slightly change when transferred to BPI due to 5-decimal rounding limitation (either same amount or a rounded down amount).

PLUK/UNO SOA BPI SOA

(Before Installment Transfer)

BPI SOA

(After Installment Transfer)

Remarks

Installment Amortization & Processing Fee has two separate transaction entries every month.

Reflected as:

“CONVERT TO CASH”

“INSTALLMENT PROCESSING FEE”

Installment Amortization & Processing Fee is combined in one transaction entry.

Reflected as:
“RB Installment Conversion”

Amortization amount may slightly change when transferred to BPI due to 5-decimal rounding limitation (either same amount or a rounded down amount).

Illustration for the Transfer of Unbilled Installment Transactions:

Sample Installment transaction	PLUK/UNO SOA Cycle	BPI SOA Cycle
March 2026	April 2026	May 2026	June 2026	July 2026	August 2026	September 2026
Ongoing Convert to Cash amortization: PHP 24,000; 24 months term; PHP 1,000 monthly amortization	billed PHP 1,000 (9 of 24)	billed PHP 1,000 (10 of 24)	billed PHP 1,000 (11 of 24)	billed PHP 1,000 (12 of 24)	billed PHP 1,000 (13 of 24)	Convert to Cash and Installment Processing Fee is combined and billed as follows: 1. PHP 1,100 (13 of 24) billed as straight purchase 2. PHP 1,099.96 (1 of 11) billed as installment *Note: Starting August, your amortization amount will either be the same or a rounded down amount in BPI.	Convert to Cash and Installment Processing Fee is combined and billed as installment: PHP 1,099.96 (2 of 11) *Note: Starting August, your amortization amount will either be the same or a rounded down amount in BPI.
remaining terms unbilled: 11 months
Ongoing Installment Processing Fee amortization: PHP 2,400; 24 months terms; PHP 100 monthly amortization	billed PHP 100 (9 of 24)	billed PHP 100 (10 of 24)	billed PHP 100 (11 of 24)	billed PHP 100 (12 of 24)	billed PHP 100 (13 of 24)
remaining terms unbilled: 11 months

Sample Installment transaction

PLUK/UNO SOA Cycle

BPI SOA Cycle

March 2026

April 2026

May 2026

June 2026

July 2026

August 2026

September 2026

Ongoing Convert to Cash amortization:

PHP 24,000;

24 months term;

PHP 1,000 monthly amortization

billed

PHP 1,000

(9 of 24)

billed

PHP 1,000

(10 of 24)

billed

PHP 1,000

(11 of 24)

billed

PHP 1,000

(12 of 24)

billed

PHP 1,000

(13 of 24)

Convert to Cash and Installment Processing Fee is combined and billed as follows:

1. PHP 1,100 (13 of 24) billed as straight purchase

2. PHP 1,099.96

(1 of 11) billed as installment

*Note: Starting August, your amortization amount will either be the same or a rounded down amount in BPI.

Convert to Cash and Installment Processing Fee is combined and billed as installment:

PHP 1,099.96

(2 of 11)

*Note: Starting August, your amortization amount will either be the same or a rounded down amount in BPI.

remaining terms unbilled:

11 months

Ongoing Installment Processing Fee amortization:

PHP 2,400;

24 months terms;

PHP 100 monthly amortization

billed

PHP 100

(9 of 24)

billed

PHP 100

(10 of 24)

billed

PHP 100

(11 of 24)

billed

PHP 100

(12 of 24)

billed

PHP 100

(13 of 24)

remaining terms unbilled:

11 months

PLUK/UNO CREDIT CARD SOA FOR JULY 2026

BPI CREDIT CARD SOA FOR AUGUST 2026

PLUK/UNO CREDIT CARD SOA FOR AUGUST 2026

NOTE:

Installment transactions with one remaining term will already be billed as a straight purchase on your BPI August 2026 SOA.

Sample Installment transaction	PLUK/UNO SOA Cycle	BPI SOA Cycle
March 2026	April 2026	May 2026	June 2026	July 2026	August 2026
With one last amortization for the term: PHP 12,000; 12 months term; PHP 1,000 monthly amortization	billed PHP 1,000 (7 of 12)	billed PHP 1,000 (8 of 12)	billed PHP 1,000 (9 of 12)	billed PHP 1,000 (10 of 12)	billed PHP 1,000 (11 of 12)	billed as straight purchase: PHP 1,000

Sample Installment transaction

PLUK/UNO SOA Cycle

BPI SOA Cycle

March 2026

April 2026

May 2026

June 2026

July 2026

August 2026

With one last amortization for the term:

PHP 12,000;

12 months term;

PHP 1,000 monthly amortization

billed

PHP 1,000

(7 of 12)

billed

PHP 1,000

(8 of 12)

billed

PHP 1,000

(9 of 12)

billed

PHP 1,000

(10 of 12)

billed PHP 1,000

(11 of 12)

billed as straight purchase:

PHP 1,000

For inquiries regarding the transition of your Pru Life UK and UNO Credit Cards to BPI, please send us a message or call our 24-hour BPI Contact Center at (+632) 889-10000.

Discover more

Credit Cards

You're exiting this website

Important Update: Migration of Pru Life UK and UNO Credit Cards to BPI

You are in

Overview

What is the migration and what will happen during this process?

When will this migration happen?

For PLUK and UNO cardholders WHO DO NOT have an existing BPI Credit Card, or whose only existing BPI Credit Card is a Petron BPI, BPI Amore Cashback, or Robinsons Cashback powered by Visa (previously BPI Amore Platinum) Credit Card

What happens to my PLUK and UNO Credit Card account?

I have an outstanding balance and/or outstanding installment under my Pru Life UK and UNO Credit Card. Will this be billed in full?

Do I need to take any action?

My PLUK and UNO Credit Card is expiring soon; will it still be renewed?

My PLUK and UNO Credit Card is/are enrolled in Auto-Debit Arrangement (ADA) using my Robinsons Bank or BPI Deposit account. Will my ADA enrollment be transferred to my new card?

For PLUK and UNO cardholders WITH an existing BPI Edge, BPI Rewards, BPI Gold Rewards, BPI Platinum Rewards, and/or BPI Signature Card

How will this merger affect my PLUK and UNO Credit Card account?

I have an outstanding balance and/or outstanding installment under my Pru Life UK and UNO Credit Card. Will this be billed in full?

Do I need to take any action?

My PLUK and UNO credit card is expiring soon, will it still be renewed?

I have 2 or more BPI Credit Cards. Which card will my outstanding balance be transferred to?

General Questions

How can I update my contact details (email, mobile number, or billing address) to ensure my records are accurate?

I don’t have an existing supplementary card for my PLUK/UNO credit card. How do I request for a supplementary card once I have my newly issued BPI Rewards Card?

I have a supplementary card for my PLUK and UNO Credit Card. Do I need to apply for a new BPI Rewards Card to replace his/her existing Pru Life UK and UNO Credit Card?

The RBank Digital App has been discontinued and my account is still being migrated to BPI. How can I pay my Robinsons Bank Credit Card (PLUK and UNO) bill for April, May, and June 2026?

While the migration is ongoing, where can I view my PLUK and/or UNO Credit Card transactions and balances?

SOA Guide for Migrated PLUK & UNO Cardholders

Discover more

Credit Cards

Credit Card Fees and Charges

Need more help?

Data Privacy Seal

PDIC Clause