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Triple Treat Promo
Switch to a BPI Credit Card now and enjoy at least 30% moneyback and annual fee waivers forever. Plus, transfer your existing card balance for as low as 0% interest.
Apply now
Promo Highlights
Get at least 30% moneyback

Get back at least 30% of your spend.

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%.

Enjoy annual fee waivers

Meet the spend required to get your annual fee waived.

Promo Mechanics

Promo Mechanics Part 1: Welcome Gift


1. This program 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 encoded & approved. Existing BPI Credit Cardholders are not eligible for the promo.  

*With accurate/correct personal details & submitted complete requirements


Eligible Principal Credit Cards:

a. BPI Visa Signature

b. BPI Platinum Rewards Mastercard

c. BPI Amore Platinum Cashback Card

d. BPI Amore Cashback Card

e. BPI Gold Mastercard

f.  BPI Blue Mastercard


2. Promo period is from May 10, 2022 to September 10, 2022. Only applications* submitted to BPI within the promo period are eligible for the promo.

* with accurate/correct personal details & submitted complete requirements


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 Amore Cashback Credits. Please see below:


Qualified CardPromo OfferSpend Requirement
Blue Mastercard10,000 shopping credits (credited as 120,000 Real-thrills-rewards regular points)


Spend at least Php 30,000 within the spend period below.

Gold Mastercard
Amore Cashback Card10,000 cashback credits
Amore Platinum Cashback Card

20,000 cashback credits

Spend at least PHP 60,000 within the spend period below.
Platinum Rewards Mastercard20,000 shopping credits (credited as 140,000 Real-thrills-rewards premium points)
Visa Signature30,000 shopping credits (credited as 210,000 Real-thrills-rewards premium points)Spend at least PHP 90,000 within the spend period below.


4. See below for the spend period for the Moneyback Welcome Gift:


Application Date Spend Period
May 10, 2022 to May 31, 2022May 10, 2022 to July 31, 2022
June 1, 2022 to June 30, 2022June 1, 2022 to August 31, 2022
July 1, 2022 to July 31, 2022July 1, 2022 to September 30, 2022
August 1, 2022 to September 10, 2022August 1, 2022 to October 31, 2022


5. At the end of each spend period, customers who meet the spend requirement will receive an EDM and/or SMS from BPI (refer to table below for the schedule) confirming that they have successfully met the promo requirements, and should expect to receive the welcome gift within 7 banking days from receipt of EDM and/or SMS from BPI.


Application Date Spend PeriodEDM/SMS NotificationRewards Crediting
May 10, 2022 to May 31, 2022May 10, 2022 to July 31, 2022Anytime between August 30, 2022 to August 31, 2022Anytime between September 1, 2022 to September 8, 2022
June 1, 2022 to June 30, 2022June 1, 2022 to August 31, 2022Anytime between September 29, 2022 to September 30, 2022Anytime between October 1, 2022 to October 8, 2022
July 1, 2022 to July 31, 2022July 1, 2022 to September 30, 2022Anytime between October 30, 2022 to October 31, 2022Anytime between November 1, 2022 to November 8, 2022
August 1, 2022 to September 10, 2022August 1, 2022 to October 31, 2022Anytime between November 29, 2022 to November 30, 2022Anytime between December 1, 2022 to December 8, 2022


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


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


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


9. Employees of BPI are disqualified from joining the Promo.


10. In case the applicant applied for multiple Credit Cards and qualified for multiple welcome gifts, the card that was applied for first will be followed. 


Example #1: Welcome Gift: Applied for and subsequently got approved for two Credit Cards within the promo period:


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


Following Promo Mechanics Item #10, Customer A will only receive 10,000 Cashback.


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


11. In case an applicant 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 #2: Welcome Gift: Applied for and subsequently got approved for two Credit Cards on the same day within the promo period:


Customer B applied for a BPI Amore Cashback on May 10, 2022 and subsequently got approved. Customer B also applied for a BPI Visa Signature on May 10, 2022 and subsequently got approved.


Customer B 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.


Mechanics Item #11, Customer B will receive 210,000 Real-thrills-rewards premium points for his BPI Visa Signature and will also receive the welcome gift for of P10,000 cashback credits for his BPI Amore Cashback card. 


12. 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 Credits 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 Credits.


13. 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.

   

14. 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.


15. 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


16. The following transactions are excluded from the promo:

  • Balance Conversion transactions
  • Late Payment fees, interests & penalties
  • MCC: Bail and bond payment transactions
  • MCC: Gambling transactions
  • MCC: Money Transfer Merchant transactions
  • MCC: Quasi-cash merchant financial institution transactions
  • MCC: Quasi-cash transactions
  • MCC: Political Organization transactions




Promo Mechanics Part 2: Recurring AMF Waiver


1. This program 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 and whose applications are subsequently encoded and approved. Existing BPI Credit Cardholders are not eligible for the promo.

*with accurate/correct personal details and submitted complete requirements


Eligible Principal Credit Cards

a. BPI Visa Signature

b. BPI Platinum Rewards Mastercard

c. BPI Amore Platinum Cashback Card

d. BPI Amore Cashback Card

e. BPI Gold Mastercard

f.  BPI Blue Mastercard


2. 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.


3. Promo period is from May 10, 2022 to September 10, 2022. Only applications* submitted to BPI within the promo period are eligible for the promo.

*with accurate/correct personal details & submitted complete requirements


4. Customers who applied within the promo period are eligible for an Annual Membership Fee (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 CustomerNon-Promo BPI OfferAMF Recurring Waiver Effectivity
Personal CustomerNo annual fee for first year.Second year onwards
Preferred CustomerNo annual fee for first 3 years.Fourth year onwards


To illustrate:


Personal BPI Customer:


If the customer applied on May 10, 2022 and subsequently got approved on May 18, 2022, their card anniversary will be on May 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 AMF Recurring Waiver spend requirement will therefore begin from May 18, 2022 until May 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 May 18, 2023.


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


Preferred BPI Customer:


If the customer applied on May 10, 2022 and subsequently got approved on May 18, 2022, their card anniversary will be on May 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 May 18, 2023 and May 18, 2024. (AMF is charged annually every card anniversary date.). 


The AMF Recurring Waiver spend requirement will therefore begin from May 18, 2024 until May 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 May 18, 2025.


The following year, the spend period will be from May 18, 2025 until May 17, 2026. If they meet the annual spend requirement, the customer will not need to pay the AMF on May 18, 2026. This will occur annually.


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

Eligible Credit CardsAnnual Spend Requirement
Blue MastercardPhp 180,000
Gold Mastercard
Amore Cashback Card
Amore Platinum Cashback CardPhp 400,000
Platinum Rewards Mastercard
Visa SignaturePhp 1,200,000


6. Customers who meet the annual spend requirement will be awarded an AMF waiver. An annual membership fee 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 amount charged on their statement of account. The AMF reversal will reflect on the following cycle’s statement of account.  


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


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


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


10. Employees of BPI are disqualified from joining the Promo.


11. 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.


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


Example #1: AMF Recurring Waiver: Applied for and subsequently got approved for two Credit Cards within the promo period:


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


Customer A met the annual spend requirement of PHP180,000 for his BPI Amore Cashback Card, and also met the annual spend requirement of PHP1,200,000 for his BPI Visa Signature.


Following Promo Mechanics Item #12, Customer A will only receive an AMF recurring waiver for his BPI Amore Cashback.  


Customer A will not receive the AMF recurring waiver for his BPI Visa Signature.


13. In case an applicant 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.  


14. 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.


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


16. 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.


17. 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


18. The following transactions are excluded from the promo:

  • Balance Conversion transactions
  • Late Payment fees, interests & penalties
  • MCC: Bail and bond payment transactions
  • MCC: Gambling transactions
  • MCC: Money Transfer Merchant transactions
  • MCC: Quasi-cash merchant financial institution transactions
  • MCC: Quasi-cash transactions
  • MCC: Political Organization transactions




Promo Mechanics Part 3: Balance Transfer Offer


0% Balance Transfer Offer: New BPI Credit Cardholders who are eligible and applied for a BPI Credit Card from April 6, 2022 to September 10, 2022 can avail of a Balance Transfer for as low as 0%.


0% Balance Transfer Offer for Existing Citi CHs:

RatesPromo Code (BT08)
TermMonthly Add-onEIR p.a.Flat Fee
30.00%0.00%Php 600
60.00%0.00%Php 1,000
120.49%10.68%Php 300
180.89%19.36%Php 300
240.79%17.26%Php 300
360.69%15.03%Php 300


1. Balance Transfer for Select Cardholders Campaign is exclusive to select Cardholders and valid for applications made from April 6, 2022 to August 31, 2022 (extended until September 10, 2022) under 3, 6, 12, 18, 24 and 36 months term.


2. Offer is exclusive to transferring of balances from a Philippine-issued credit card only with the following BIN ranges (the first 6 digits of the Credit Card Number): 4034-18; 4034-19; 4532-48; 4539-71; 4539-72; 5423-39; 5401-27; 5520-97; 5242-02; 4343-48; 5520-97; and 5401-27.


3. Minimum amount for Balance Transfer transaction is P3,000 per application.


4. Promo code provided will be used to match the offer designated to qualified cardholders.


5. 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.


6. 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 P300 shall be waived.


7. Communications to inform Cardholders are in the form of a phone call, SMS and e-mail. Turnaround time (TAT) for processing of applications is 5-8 Banking Days.


8. SIP Loans terms and conditions not covered under this provision shall apply.


Apply for a Balance Transfer.


Per DTI Fair Trade Permit No. FTEB-140693 Series of 2022


Balance Transfer for as low as 0.69% for 36 Months Offer for non-Citi CHs:

RatesPromo Code (BT12)
TermMonthly Add-onEIR p.a.
30.89%15.95%
60.89%18.08%
120.89%19.16%
180.89%19.36%
240.79%17.26%
360.69%15.03%


1. Balance Transfer for Select Cardholders Campaign is exclusive to select Cardholders and valid for applications made from April 6, 2022 to August 31, 2022 (extended until September 10, 2022) under 3, 6, 12, 18, 24 and 36 months term.   


2. Minimum amount for Balance Transfer transaction is P3,000 per application.  


3. Promo code provided will be used to match the offer designated to qualified cardholders.


4. Proceeds will either be paid/credited to the BPI account of the Cardholder or Manager’s Check shall be issued for pick-up depending on availability. BPI will not be liable for any charges imposed by other credit card issuer in relation to release of proceeds via bills payment.


5. Service fee of P300 shall apply.


6. Communications to inform Cardholders are in the form of a phone call, SMS and e-mail.  Turnaround time (TAT) for processing of applications is 5-8 Banking Days.   


7. SIP Loans terms and conditions not covered under this provision shall apply.


Apply for a Balance Transfer.


Per DTI Fair Trade Permit No. FTEB-140695 Series of 2022


Frequently Asked Questions

Read the frequently asked questions about the promo.


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-142023 Series of 2022


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