Holiday Cashback Promo
Switch to a BPI Credit Card now and enjoy up to Php 30,000 cashback, yearly annual fee waivers and Balance Transfer pay 60 days later.
Promo Highlights
Get up to Php 30,000 cashback

Enjoy up to Php 30,000 cashback when you meet the spend requirement.

Transfer your balance for as low as 0%

Make the switch to BPI and transfer your other credit card’s balance to us for as low as 0% interest.

Spend your way to yearly annual fee waivers

Meet the spend required to get your annual fee waived.

Promo Mechanics

Promo Offer

Welcome Gift and Annual Fee Waiver Offer

Card Variant

Spend Requirement

Welcome Gift

Yearly Spend Requirement to waive Annual Fees

Blue Mastercard

Php 30,000

Php 10,000 cashback
(credited as 120,000
Real Thrills Rewards Regular points)

Php 180,000

Gold Mastercard

Amore Cashback Card

Php 30,000

Php 10,000 cashback

Php 180,000

Petron Mastercard

Php 30,000

Php 10,000 cashback

Php 180,000

Amore Platinum Cashback Card

Php 60,000

Php 20,000 cashback

Php 400,000

Platinum Rewards Mastercard

Php 60,000

Php 20,000 cashback
(credited as 140,000 Real Thrills Rewards Premium points)

Php 400,000

Visa Signature Card

Php 90,000

Php 30,000 cashback
 (credited as 210,000 Real Thrills Rewards Premium points)

Not applicable


Balance Transfer Offer

Term 

Rates (Promo Code BT14)

Monthly Add-on 

EIR p.a. 

Flat Fee 

3**

0.00% 

0.00% 

Php 600 

6**

0.00% 

0.00% 

Php 1,000 

12 

0.49% 

10.68% 

Php 300 

18 

0.89% 

19.36% 

Php 300 

24 

0.79% 

17.26% 

Php 300 

36 

0.69% 

15.03% 

Php 300 


Promo Mechanics: Welcome Gift

1. This promo is open to new Principal Credit Card customers in good credit standing (“Eligible Customers”) who will apply* for the eligible Credit Cards listed below within the promo period & whose applications are subsequently approved within 30 days from the promo end date are eligible for the promo. Existing BPI Credit cardholders are not eligible for the promo.  


Eligible Principal Credit Cards:

  • BPI Visa Signature Card
  • BPI Platinum Rewards Mastercard
  • BPI Amore Platinum Cashback Card
  • BPI Amore Cashback Card
  • BPI Gold Mastercard
  • BPI Blue Mastercard
  • BPI Petron Mastercard


2. Promo period is from October 8, 2022 to January 31, 2023. 


3. Customers who meet the minimum spend requirement using their newly-issued BPI Credit Card within the prescribed spend period below are entitled to a welcome gift, which will be credited to the Principal cardholder’s account as either Real Thrills Rewards points or Cashback.

Qualified Card

Promo Offer

Spend Requirement

Blue Mastercard

Php 10,000 cashback

(credited as 120,000 Real Thrills Rewards Regular points)


Spend at least Php 30,000

within the spend period

Gold Mastercard

Amore Cashback Card

Php 10,000 cashback

Petron Mastercard

Php 10,000 cashback

Amore Platinum Cashback Card

Php 20,000 cashback

Spend at least Php 60,000

within the spend period

Platinum Rewards Mastercard

Php 20,000 cashback (credited as 140,000 Real Thrills Rewards Premium points)

Visa Signature Card

Php 30,000 cashback (credited as 210,000 Real Thrills Rewards Premium points)

Spend at least Php 90,000

within the spend period



4. Spend period for the Welcome Gift are as follows:

Approval Date

Spend Period

October 8, 2022 to October 31, 2022

October 8, 2022 to December 30, 2022

November 1, 2022 to November 30, 2022

November 1, 2022  to January 31, 2023

December 1, 2022 to December 31, 2022

December 1, 2022 to February 28, 2023

February 1, 2023 to March 2, 2023

February 1, 2023 to April 30, 2023



5. At the end of each spend period, customers who meet the spend requirement will receive an email and/or SMS from BPI (refer to table below for the schedule) confirming that they have successfully met the promo requirements, and that the welcome gift has been credited to their account.

Approval Date

Spend Period

Awarding

October 8, 2022 to

October 31, 2022

October 8, 2022 to 

December 31, 2022

On or before

February 10, 2023

November 1, 2022 to

November 30, 2022

November 1, 2022 to

January 31, 2023

On or before

March 10, 2023

December 1, 2022 to

December 31, 2022

December 1, 2022 to

February 28, 2023

On or before

April 10, 2023

January 1, 2023  to

January 31, 2023

January 1, 2023 to

March 31, 2023

On or before

May 10, 2023

February 1, 2023 to

March 2, 2023

February 1, 2023 to  

April 30, 2023

On or before

June 10, 2023



6. Valid transactions to be included are posted transactions of the following types:

  • Retail transactions
  • Special Installment Plan (SIP) merchant transactions
  • Cash Advance
  • Credit-to-Cash
  • SIP for Schools  
  • SIP for Hospital
  • Balance Transfer transactions
  • Utility Bills payment


7. The following transactions are excluded from the promo: Balance Conversion Transactions, Late Payment fees, interest & penalties, and transactions with the following MCCs:

  • Bail and bond payment transactions
  • Gambling transactions
  • Money Transfer Merchant transactions
  • Quasi-cash merchant financial institution transactions
  • Quasi-cash transactions
  • Political Organization transactions


8. Valid transactions made by the principal Cardholder and his/her supplementary cardholder(s) will be accumulated and shall be considered as the principal Cardholder’s total transactions under this promo.


9. The Real Thrills Rewards Premium points, Real Thrills Rewards Regular points, and Cashback are not convertible to cash or in kind.


10. The Principal Credit Card must be active and current at point of awarding.


11. This promotion will not apply in conjunction with any other existing bank promotion.


12. Employees of BPI are not qualified to join the Promo.


13. In case  a customer applied for multiple Credit Cards and qualified for multiple welcome gifts, the card that was applied first will be considered.


Example: Customer applied and subsequently got approved for two Credit Cards within the promo period:


Customer A applied for a BPI Amore Cashback on November 10, 2022 and subsequently got approved. Customer A also applied for a BPI Visa Signature Card on November 15, 2022 and subsequently got approved.


Customer A met the minimum spend requirement of Php 30,000 for his BPI Amore Cashback Card, and also met the minimum spend requirement of Php 90,000 for his BPI Visa Signature Card.


Based on the promo mechanics, Customer A will only receive Php 10,000 Cashback.


Customer A will not receive a welcome gift for his BPI Visa Signature Card.


14. In case a customer applied for two (2) or more Credit Card variants on the same day, subsequently got approved for all variants, and met the minimum spend requirement for each variant, the cardholder will be awarded the Welcome Gift for each card.  


Example: Customer applied and subsequently got approved for two Credit Cards on the same day within the promo period:


Customer B applied for a BPI Amore Cashback and a BPI Visa Signature Card on November 10, 2022 and subsequently got approved for both cards.


Customer B met the minimum spend requirement of Php 30,000 for his BPI Amore Cashback Card and Php 90,000 for his BPI Visa Signature Card.


Based on the promo mechanics, Customer B will receive 210,000 Real Thrills Rewards Premium points for his BPI Visa Signature Card and will also receive the welcome gift of Php 10,000 cashback for his BPI Amore Cashback card.


15. In case of dispute pertaining to the Promo including, but not limited to, the cardholder’s eligibility, coverage dates, fulfillment, etc., BPI’s decision will prevail with the concurrence of DTI. Any and all questions or disputes regarding the Real Thrills Rewards Premium points, Real Thrills Rewards Regular points, or Cashback received under this promotion must be raised within 30 days from the date of receipt of the said Real Thrills Rewards Premium points, Real Thrills Rewards Regular points, or Cashback.


16. The terms and conditions governing the issuance and use of BPI Credit Card, Real Thrills Rewards Premium, Real Thrills Rewards Regular, and Cashback will be applied.
   


Promo Mechanics: Annual Membership Fee Waiver

1. This promo is open to new Principal Credit Card customers in good credit standing (“Eligible Customers”) who will apply* for the eligible Credit Cards listed below within the promo period & whose applications are subsequently approved within 30 days from the promo end date are eligible for the promo. Existing BPI Credit cardholders are not eligible for the promo. 


Eligible Principal Credit Cards


  • BPI Platinum Rewards Mastercard
  • BPI Amore Platinum Cashback Card
  • BPI Amore Cashback Card
  • BPI Gold Mastercard
  • BPI Blue Mastercard
  • BPI Petron Mastercard


2. Promo period is from October 8, 2022 to January 31, 2023.


3. Supplementary Cards are excluded from the promo, and will follow standard Annual Membership Fee (AMF) charging – free AMF for life for 1st supplementary card, and annual charging for membership fee for the 2nd supplementary card onwards will apply.


4. Customers who applied within the promo period are eligible for an AMF Recurring Waiver, if they are able to meet the annual spend requirement using their newly-issued BPI Credit Card. The spend period of the AMF Recurring Waiver will be for 12 months, starting from their card anniversary date until 1 calendar day prior their next card anniversary date. The tracking of the annual spend will occur every year.


BPI Customer

Non-Promo BPI Offer

Effectivity for the AMF Waiver based on annual spend requirement

Personal  Customer

No annual fee for first year.

Second year onwards

Preferred Customer

No annual fee for first 3 years.

Fourth year onwards


To illustrate:


Personal BPI Customer:

If the customer applied on October 8, 2022 and subsequently got approved on October 18, 2022, their card anniversary will be on October 18, 2022. Since Personal BPI customers, by virtue of BPI’s non-promo offer, will have their annual fee waived for the first year by default, they will not be charged an AMF at this time. (AMF is charged annually every card anniversary date).


The effectivity for the AMF Waiver based on annual spend requirement will therefore begin from October 18, 2022 until October  17, 2023. If the customer meets the annual spend requirement based on their card variant, then they will receive an AMF waiver and not need to pay their AMF on the cycle of October 18, 2023.


The following year, the spend period will be from October 18, 2023 until October 17, 2024. If they meet the annual spend requirement, the customer will not need to pay the AMF on October 18, 2024. This will occur annually.


Preferred BPI Customer:

If the customer applied on October 8, 2022 and subsequently got approved on October 18, 2022, their card anniversary will be on October 18, 2022. Since Preferred BPI customers, by virtue of BPI’s non-promo offer, will have their annual fee waived for the first 3 years by default, they will not be charged an AMF at this time as well as on October 18, 2023 and October 18, 2024. (AMF is charged annually every card anniversary date.).


The effectivity for the AMF Waiver based on annual spend requirement will therefore begin from October 18, 2024 until October 17, 2025. If the customer meets the annual spend requirement based on their card variant, then they will receive an AMF waiver and not need to pay their AMF on the cycle of October 18, 2025.


The following year, the spend period will be from October 18, 2025 until October 18, 2026. If they meet the annual spend requirement, the customer will not need to pay the AMF on October 18, 2026. This will occur annually.


5. Spend requirement to qualify for the AMF recurring waiver:

Eligible Credit Cards

Annual Spend Requirement

Blue Mastercard, Gold Mastercard,

 Amore Cashback Card, Petron Mastercard

Php 180,000

Amore Platinum Cashback Card,

Platinum Rewards Mastercard

Php 400,000



6. Valid transactions to be included are posted transactions of the following types:

  • Retail transactions
  • Special Installment Plan (SIP) merchant transactions
  • Cash Advance
  • Credit-to-Cash
  • SIP for Schools  
  • SIP for Hospital
  • Balance Transfer transactions
  • Utility Bills payment


7. The following transactions are excluded from the promo: Balance Conversion Transactions, Late Payment fees, interest & penalties, and transactions with the following MCCs:

  • Bail and bond payment transactions
  • Gambling transactions
  • Money Transfer Merchant transactions
  • Quasi-cash merchant financial institution transactions
  • Quasi-cash transactions
  • Political Organization transactions


8. Valid transactions made by the principal cardholder and his/her supplementary cardholder(s) will be accumulated and shall be considered as the principal cardholder’s total transactions under this promo.


9. Customers who meet the annual spend requirement will be awarded an AMF waiver. An AMF charge will appear on the customer’s statement of account and will be immediately reversed such that customers do not need to pay. The AMF reversal will automatically reflect on the following cycle’s statement of account.  


10. The AMF recurring waiver is not convertible to cash or in kind.


11. The Principal Credit Card of the qualified customer must be current and active at point of awarding.


12. This promotion will not apply in conjunction with any other existing bank promotion.


13. Employees of BPI are not qualified to join.


14. Each qualified Principal cardholder may only be awarded the AMF recurring waiver once per annum, and only for their newly-issued BPI Credit Card and its replacements due to expiry. Should the customer choose to convert their card to another variant, they will forfeit their AMF recurring waiver.


15. In case the customer applied for multiple Credit Cards and qualified for multiple AMF recurring waivers, the card that was applied for first will be followed.


Example: Applied and subsequently got approved for two Credit Cards within the promo period:


Customer A applied for a BPI Amore Cashback on November 10, 2022 and subsequently got approved. Customer A also applied for a BPI Platinum Rewards Mastercard on December 15, 2022 and subsequently got approved.


Customer A met the annual spend requirement of Php 180,000 for his BPI Amore Cashback Card, and also met the annual spend requirement of Php 400,000 for his BPI Platinum Rewards Mastercard.


Based on the Promo Mechanics, Customer A will only receive an AMF recurring waiver for his BPI Amore Cashback and
will no longer receive an AMF recurring waiver for his BPI Platinum Rewards Mastercard.  


16. In case a customer applied for two (2) or more Credit Card variants on the same day, subsequently got approved for all variants, and met the minimum spend requirement for each variant, the Cardholder will be awarded the AMF Waiver for each card.


17. In case of dispute pertaining to the Promo including, but not limited to, the cardholder’s eligibility, coverage dates, fulfillment, etc., BPI’s decision will prevail with the concurrence of DTI. Any and all questions or disputes regarding the AMF recurring waiver received under this promotion must be raised within 30 days from the date of receipt of the said AMF Waiver.


18. The terms and conditions governing the issuance and use of BPI Credit Card will be applied.



Promo Mechanics: Balance Transfer Pay 60 days Later


Offer: New BPI Credit cardholders who are eligible and applied for a BPI Credit Card from October 8, 2022 to January 31, 2023 can avail of a Balance Transfer Pay 60 days later for as low as 0% for a Flat Fee.

Term

Rates (Promo Code BT14)

Monthly Add-on

EIR p.a.

Flat Fee

3**

0.00%

0.00%

Php 600

6**

0.00%

0.00%

Php 1,000

12

0.49%

10.68%

Php 300

18

0.89%

19.36%

Php 300

24

0.79%

17.26%

Php 300

36

0.69%

15.03%

Php 300

 

1. Balance Transfer for Select cardholder Campaign is exclusive to newly approved applications from October 8, 2022 to January 31, 2023.


2. Offer for 3 and 6 months at 0% with Flat Fee is exclusive to transferring of balances from Philippine-issued credit cards with the following BIN ranges (the first 6 digits of the Credit Card Number) only: 4034-18; 4034-19; 4532-48; 4539-71; 4539-72; 5423-39; 5401-27; 5520-97; 5242-02; 4343-48; 5520-97; 5401-27; 4055-98; 5464-98, 5464-97; 5240-05; 5218-22; 5566-28; 4055-99, and 5452-35


3.  Offer for 12, 18, 24 and 36 months are applicable to transferring of balances from all Philippine-issued credit cards.


4. Minimum amount for Balance Transfer transaction is Php 3,000 per application.


5. The Promo code (BT14) provided will be used to match the offer designated to qualified cardholders.


6. For Citibank credit card balances, proceeds will be paid directly to Cardholder’s Citibank credit card via BPI’s Bills Payment facility. BPI will never be liable for any charges imposed by other credit card issuer in relation to release of proceeds via bills payment. For all other credit card balances, proceeds will either be credited to the BPI deposit account of the cardholder or Manager’s Check shall be issued for pick-up. BPI will not be liable for any charges imposed by other credit card issuer in relation to release of proceeds via deposit to a BPI account or Manager’s Check.


7. Posting of the first monthly amortization shall be approximately sixty (60) days from date of transaction.


8. Flat Fee indicated in the table per term shall be charged regardless of amount and shall be posted as a separate entry. SIP Loans Service Fee of Php 300 shall be waived.


9. Newly approved BPI Cardholders will receive the offer via phone call, SMS or email.


10. Turnaround time (TAT) for processing of applications is 5-8 Banking Days.


11. SIP Loans terms and conditions not covered under these provisions shall apply.


To apply for a Balance Transfer, call (02) 889-10055 or visit any BPI Branch near you. Terms and Conditions apply. 

   

*With accurate/correct personal details & submitted complete requirements

**Offer exclusive for transferring of balances from select Philippine-issued credit cards only.  

Customer Support

For inquiries and comments, send us a message or call our 24-hour BPI Contact Center at ‎(+632) 889-10000.



Per DTI Fair Trade Permit No. FTEB-152940, Series of 2022


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