BPI Real Deal: Travel Cashback Promo

1. The promo is open to select cardholders of participating BPI Credit Cards who have received communication materials from BPI and whose accounts are in good standing during the promo period and at the time of registration. The participating BPI Credit Cards are as follows:

eCredit Mastercard*
Blue Mastercard
Gold Mastercard
Edge Mastercard
Platinum Rewards Mastercard
Visa Signature

Note: eCredit Mastercard is only applicable to payments made online.

2. To qualify for the promo, Principal Cardholders who received communication materials must register via SMS text-in or web portal.

BPI<SPACE>TRVREG<SPACE>8 ALPHANUMERIC PROMO CODE

Example:
BPI TRVREG T-AB23CD

You may also register through the registration site by going to the web portal and enter your unique promo code.

3. The promo period is from March 20, 2023 to June 20, 2023.

4. The qualified Principal Cardholder can earn bonus BPI points for a minimum accumulated spend requirement within the promo period, either through (i) online or card present travel category transactions, or (ii) card present overseas transactions in foreign currency.

Such transactions made by the Principal Cardholder, including all link credit cards of the Principal Cardholder and his/her Supplementary Cardholder(s) will be accumulated and shall all be considered as the Principal Cardholder’s total qualified transactions under this promo.

5. Qualified transactions are as follows:

Note: Only transaction types or categories included will be counted towards the spend requirement of the customer during the promo period.

I. Travel Categories:

Included Transaction Types:	Retail SIP-merchant Card Present (in-store) Card-not-present (online) Domestic International (Php and Foreign currency)
Included Categories:	Major Industry – Airlines Major Industry – Hotels, Resorts, Leisure & Sports Major Industry – Travel Agencies
Excluded Categories	All other categories and transaction types not mentioned above

II. Overseas Categories:

Included Transaction Types:	Retail Card Present (In-store) Cross-border International (Foreign currency)
Included Categories:	All categories except excluded categories as specified below:
Excluded Categories and Transaction Types:	09223 Bail & Bond Payment 07995 Gambling 07800 - Government-owned lotteries 07801 - Government-owned licensed casinos (online gambling) 07802 - Government licensed horse/dog racing 04829 Money Transfer Merchant 06050 Quasi Cash Merchant Financial Institution 06051 Quasi Cash 08651 Political Organizations 06010 OTC Cash Advance 06011 ATM Cash Advance 06540 POI Funding Transactions 06012 Member Financial Inst-Merchandise & Services SIP-merchant Online Transactions Cash Advance Credit to Cash SIP for Schools SIP for Hospitals Balance Transfer Transactions Balance Conversion Transactions

6. The following credit card types will earn BPI Points if they meet the accumulated spend requirement within the promo period:

Credit Card Type	Accumulated Spend Requirement	Promo Offer
eCredit Mastercard	Spend at least Php 150,000 within the promo period	Php 8,000 shopping credits (Credited as 96,000 bonus BPI Points)
Blue Mastercard
Gold Mastercard
Edge Mastercard
Platinum Rewards Mastercard
Visa Signature

Sample 1 – within promo period and transactions do fall under qualified categories:

Sample Customer Details	Spend	Amount (in Php) spent within promo period by category	Valid for the promo?	Total valid Spend within promo period (in Php)	Bonus points to be awarded
Principal Cardholder 1	Online: Major Industry – Airlines and Major Industry – Hotels, Resorts, Leisure & Sports	Php 90,000	Valid	Php 150,000	96,000
Principal Cardholder 1	Overseas Card present – Major Industry Supermarket (non-Php)	Php 60,000	Valid	Php 150,000	96,000
Principal Cardholder 2	Card present: Major Industry – Airlines	Php 180,000	Valid	Php 180,000	96,000
Principal Cardholder 3	Online: Major Industry - Airlines	Php 100,000	Valid	Php 150,000	96,000
	Overseas Online: Major Industry – Shoe Stores	Php 10,000	Not valid because overseas transactions included in this promo should be done offline.
	Overseas Card present: Major Industry – Restaurants, Caterers (non-Php)	Php 30,000	Valid
	Overseas Card present: Major Industry – Supermarket (non-Php)	Php 20,000	Valid

Sample 2 – within promo period but transactions do not fall under qualified categories or the total valid spend does not meet the spend requirement:

Sample Customer Details	Spend	Amount (in Php) spent within promo period by category	Valid for the promo?	Total valid Spend within promo period (in Php)	Bonus points to be awarded
Principal Cardholder 1	Online: Major Industry – Airlines and Major Industry – Hotels, Resorts, Leisure & Sports	Php 90,000	Valid	Php 90,000	0
Principal Cardholder 1	Overseas Card present: Gambling (non-Php)	Php 60,000	Not valid as this category is part of the exclusions in the promo.	Php 90,000	0
Principal Cardholder 2	Online: Major Industry – Airlines	Php 140,000	Valid	Php 140,000	0
Principal Cardholder 3	Overseas Card present: Major Industry – Department Stores (Php)	Php 30,000	Not valid as overseas transactions included in this promo should be paid in foreign currency (non-Php)	Php 120,000	0
	Overseas Online: Major Industry – Clothing Stores (Non-Php)	Php 10,000	Not valid because overseas transactions included in this promo should be done offline.
	Online: Major Industry - Airlines	Php 100,000	Valid
	Overseas Card present: Major Industry – Supermarket (non-Php)	Php 20,000	Valid

7. Transactions that can qualify to both Travel and Overseas categories shall only count towards the promo spend requirement once.

To illustrate:

Sample Customer Details	Total spend prior to sample transaction (in Php)	Sample: New Transaction	Sample: New Transaction Size in Php	Valid for the promo	Amount (in Php) to be counted towards the minimum spend requirement	New total spend after sample: new transaction (in Php)	Rationale
Principal Cardholder 1	Php 100,000	Overseas Card Present: Major Industry – Travel Agencies (Retail, Foreign Currency)	Php 50,000	Valid for the Travel category because it falls under the qualified category as described in Terms & Conditions Item #5	Php 50,000	Php 150,000	The sample: new transaction was only counted once even though it qualifies for both categories.
				Valid for the Overseas category because it falls under the qualified category as described in Terms & Conditions Item #5

8. Each Principal Cardholder who participates in the promo may only be awarded Bonus BPI points once for their spend during the promo period. All qualified purchases made by the Principal Cardholder in all his/her qualified credit card(s) including supplementary participating credit card(s) will qualify for the spend accumulation.

Sample Customer Details	Customer’s active BPI Credit Cards	Amount (in Php) spent within promo period under qualified categories and transaction types	Total Accumulated Spend	Maximum Bonus BPI points to be awarded to the Principal Cardholder for all his/her spend across all his/her cards during the promo period:
Principal Cardholder 1	Platinum Rewards Mastercard	Php 100,000	Php 190,000	96,000
	Gold Mastercard	Php 80,000
	eCredit Mastercard	Php 10,000
Principal Cardholder 2	Gold Mastercard	Php 150,000	Php 360,000	96,000
	eCredit Mastercard	Php 60,000
	Supplementary Card: Blue Mastercard	Php 150,000
Principal Cardholder 3	Visa Signature	Php 200,000	Php 380,000	96,000
	Platinum Rewards Mastercard	Php 180,000
Principal Cardholder 4	Platinum Rewards Mastercard	Php 150,000	Php 150,000 Note: Transactions made using Amore Cashback Card are not included as it is not a qualified Credit Card type.	96,000
	Amore Cashback Card	Php 20,000

9. Crediting of the Bonus BPI points will be done within sixty (60) banking days after the end of the promo period to the qualified Principal Cardholder’s account. Bonus BPI points will be forfeited in favor of BPI if there are no active qualified card variants at time of crediting.

10. The awarded Bonus BPI Points can be used to redeem shopping credits.

11. An email, Viber, or SMS will be sent to qualified cardholders after the Bonus BPI points have been credited.

12. General terms and conditions of the BPI points program and on the use of BPI Credit Cards will be applied.

1. Principal Cardholders who received communication materials and are cardholders of participating Credit Card variants may register via SMS text-in or web portal. The communication materials will contain the customer’s unique promo code.

2. How to register via SMS text-in:

Send your unique promo code to 225687 following this template:
BPI<SPACE>TRVREG<SPACE>8 ALPHANUMERIC PROMO CODE

Example:
BPI TRVREG T-AB23CD

3. How to register via portal: Go to the web portal and enter your unique promo code.

4. Successful registration is required to qualify for the promo.

5. After completing the registration process, the Principal Cardholder will receive an SMS confirming receipt of the registration details. This system-generated auto-reply you will receive confirming receipt of your registration is not yet the confirmation of successful validation of your registration.

6. The Principal Cardholder will receive a notification via SMS, Viber or email regarding the confirmation of successful validation of your registration after five (5) to seven (7) banking days from the date of registration.

7. By registering through the SMS text-in or web portal, the Cardholder consents to sharing his/her mobile number to our 3rd party vendor, Giftaway, for the purposes of sending the confirmation message to inform the Cardholder of his/her successful registration.

8. By completing his/her registration, the Cardholder agrees that his/her personal information shall be subject to the confidentiality, data privacy, and security terms of the service provider, Giftaway.

1. Valid transactions, as described in the promo mechanics, made by the Principal Cardholder and his/her Supplementary Cardholder(s) will be accumulated and shall all be considered as the Principal Cardholder’s total qualified transactions under this promo.

2. The Bonus BPI points will be credited to the Principal Cardholder’s account within sixty (60) banking days after the end of the promo period. The Principal Cardholder shall be notified through email, SMS or Viber once the bonus BPI points have been credited to their account.

3. The Bonus BPI points will be reflected on the Principal Cardholder’s account on the succeeding monthly billing statement or through the VYBE App.

4. The Bonus BPI points can be redeemed along with the existing points previously earned by the Cardholder.

5. The Bonus BPI points cannot be pooled with another Principal Cardholder nor transferred to any other person and cannot be converted to cash.

6. Each Principal Cardholder who participated in the promo may only be awarded Bonus BPI points once for their spend during the promo period.

7. The Bonus BPI points can be used to redeem items available in the BPI points items catalogue, including shopping credits. For full list of items, visit the Redeem your rewards page.

8. Cardholders must comply with terms and conditions of BPI points. For more information, visit the BPI Rewards Program Terms and Conditions page.

9. BPI reserves the right to disqualify any person from further participation in Real Thrills Rewards program, if in its judgement, that person has violated the terms and condition herein or has violated the terms and conditions governing the issuance and use of BPI Express Credit Card. Suspension and disqualification may result in the cancellation of the person’s right of participation and all rewards points earned.

10. In case of dispute, the decision of BPI with the concurrence of DTI shall be considered final.

11. The terms and conditions governing issuance of BPI Credit Card and other provisions contained in card carrier, statement of account, charge slips and other documents or instruments, which are made an integral part hereof by reference, shall likewise be resorted to instances where they are applicable in this offer.

Yes, qualified travel and overseas transactions made by the cardholder prior to registration to the promo will be included in the accumulated spend requirement, as long as qualified transactions were made within the promo period.

Example:

The cardholder spent Php 100,000 on Airline tickets on March 25, 2023 using his BPI Gold Mastercard. The cardholder registers to the BPI Travel Cashback promo on April 10, 2023. The Php 100,000 travel spend made by the cardholder on March 25, 2023 will be included in his or her accumulated spend requirement for the promo.

No, each Principal cardholder in this promo can only be awarded once, including qualified spend from supplementary card.

Example:

A cardholder has a BPI Gold Mastercard and a BPI Edge Mastercard. The cardholder spent Php 200,000 on airline tickets using his or her BPI Gold Mastercard and spent another Php 150,000 on hotels & resorts using his or her BPI Edge Mastercard.

Following the promo mechanics in item #8, the cardholder shall be awarded with 96,000 Bonus BPI Points for his or her total spend of Php 350,000, where Php 200,000 came from his or her spend using her BPI Gold Mastercard, and Php 150,000 came from his or her spend using his or her BPI Edge Mastercard.

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