Announcements
Apr 24, 2026

Updated: July 30, 2026


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

 

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Overview

For Robinsons Cashback Mastercard cardholders WITHOUT an existing BPI Credit Card or has a Petron BPI, BPI Amore Cashback, BPI Edge, BPI Rewards, BPI Gold Rewards, BPI Platinum Rewards, and/or BPI Signature Card:

For Robinsons Cashback Mastercard Cardholders WITH an existing BPI Amore Platinum Credit Card

General Questions

SOA Guide for Migrated Robinsons Cashback 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

 Robinsons Cashback Card (Mastercard) Customer that will be converted to the new Robinsons Cashback Card, powered by VisaRobinsons Cashback Card Customer with an existing BPI Amore Platinum Card 

Card Number/Customer Number

Account or reference number of your credit card.

You will now have a new Robinsons Cashback 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.

Robinsons Cashback 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.

Robinsons Cashback 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 Robinsons Cashback credit card. Your credit limit from your DOS 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 Robinsons Cashback 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 BalanceThe 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 DateThe cut-off date by which the total outstanding balances from Robinsons Cashback 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 Robinsons Cashback SOA but will be transferred to your BPI Credit Card.  The cut-off date by which the total outstanding balances from Robinsons Cashback 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 Robinsons Cashback SOA but will be transferred to your BPI Credit Card. 
Outstanding Installment Principal BalanceThe 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 Robinsons Cashback statement date and BPI statement date.

 

SCENARIO #1:

Outstanding Balance transfer for Robinsons Cashback Credit Cards

Example:

Robinsons Cashback SOA Statement Date: July 4, 2026

BPI SOA Statement Date: August 8, 2026

Balance Transfer Cut-off Date: July 25, 2026 

Robinsons Cashback Credit Card SOA: You will receive your July 2026 Robinsons Cashback 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 Robinsons Cashback 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:

ROBINSONS CASHBACK CREDIT CARD SOA FOR JULY 2026 

 

BPI CREDIT CARD SOA FOR AUGUST 2026 

 

ROBINSONS CASHBACK BANK CREDIT CARD SOA FOR AUGUST 2026 

 

SCENARIO #2:

Installment Balance transfer for Robinsons Cashback Credit Cards with an ongoing Convert to Cash transaction with amortized Installment Processing Fee

Example:

Robinsons Cashback SOA Statement Date: July 4, 2026

BPI SOA Statement Date: August 8, 2026

Balance Transfer Cut-off Date: July 25, 2026 

Robinsons Cashback Credit Card SOA: You will receive your July 2026 Robinsons Cashback 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 Robinsons Cashback Credit Card, including purchases from your BPI Credit Card. Please pay for your BPI Credit Card SOA on or before your payment due date. 

 

Robinsons Cashback 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 transactionRobinsons Cashback SOA CycleBPI SOA Cycle
Note: This applies to Robinsons Cashback Cardholders whose cards are deactivated by July 30, 2026. 
March 2026April 2026May 2026June 2026July 2026August 2026September 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

 

ROBINSONS CASHBACK CREDIT CARD SOA FOR JULY 2026 

 

BPI CREDIT CARD SOA FOR AUGUST 2026 

 

ROBINSONS CASHBACK CREDIT CARD SOA FOR AUGUST 2026 

 

NOTES:

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

Sample Installment transactionRobinsons Cashback SOA CycleBPI SOA Cycle
March 2026April 2026May 2026June 2026July 2026August 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

 

2. If your Robinsons Cashback Card account is deactivated on August 17, 2026, this is how the transfer of your unbilled installment transactions will look like: 

Sample Installment transactionRobinsons Cashback Card SOA CycleBPI SOA Cycle
April 2026May 2026June 2026July 2026August 2026September 2026October 2026

With ongoing 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)

*remaining terms unbilled: 11 months

billed as installment:

PHP 1,000

(1 of 11)

billed as installment:

PHP 1,000

(2 of 11)

With one last amortization for the term:

PHP 24,000;

24 months term;

PHP 1,000 monthly amortization

billed

PHP 1,000

(19 of 24)

billed

PHP 1,000

(20 of 24)

billed

PHP 1,000

(21 of 24)

billed

PHP 1,000

(22 of 24)

billed PHP 1,000

(23 of 24)

billed as straight purchase:

PHP 1,000

 

For inquiries regarding the rebranding process of your Robinsons Cashback Mastercard, you may call our 24-hour BPI Contact Center at ‎(+632) 889-10000. Once connected, dial 2 for Credit Cards, then select 4.

 

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