BPI Omni Card’s Online Fraud Protect (Personal Cyber Protection Insurance)

• You must be a BPI Omni Credit Cardholder with an active and good-standing account.
• BPI Omni cardholders are automatically covered once they make an online transaction with their BPI Omni card of at least Php 10,000
• The insured must be a Filipino citizen or a resident of the Philippines with an Alien Certificate of Registration Identity.

• All online transactions made on their BPI Omni Credit Card within the policy coverage period (or from the day that the cardholder becomes eligible for the insurance policy up to 365 days) wherein cardholder was deducted an amount after they shared their One-Time PIN either via call, SMS, chat or any other messaging service to a third party.
• 1 claim of a maximum Php 25,000 per card for five years
• Participation fee of 10% of total approved claim amount will be deducted from approved claim.

• The coverage is valid for 12 months from the date of the eligible purchase.
• At the end of the coverage period, insurance cover will automatically renew as long as card is active and in good-standing and cardholder has had no previous claims within the past five years
• At any point where the card is permanently blocked or cancelled or is blocked due for collections then coverage will stop
• At any point when a cardholder has made a claim against the policy, coverage will stop
• In the case that card is replaced due to renewal, loss or replacement due to fraud, cover will automatically shift to the new card
• Coverage applied on a per card basis; therefore, a primary card and a supplementary card will have different policies

• Unauthorized Transactions: Reimbursement for financial losses arising from fraudulent transactions resulting from the loss or theft of the Insured’s BPI Credit Card, provided these transactions were unauthorized.
• Social Engineering: Reimbursement for financial losses incurred as a result of fraudulent schemes where the Insured was deceived into transferring funds.
• Credit Card Account Takeover Fraud: Coverage for unauthorized transactions made after an unauthorized third-party gains access to the Insured’s BPI Credit Card account.
• Online Shopping Fraud: Reimbursement for transactions involving fraudulent online marketplaces or retailers.

1. Report the Incident Promptly: The Insured must notify BPI within 24 hours of discovering a fraudulent transaction.

2. File a Police Report: A police report must be filed within 7 days of the incident, and a police reference number or any proof that a report was made must be obtained.

3. Submit a Claim Form: The Insured must submit the completed claim form to Chubb via email (digitalclaims.ph@chubb.com) or contact the hotline (+632 8849-6000) within fifteen (15) days from the date BPI issues its written Liability Letter to the Insured. The 15-day period starts on the send date indicated on BPI’s letter/email. Claims submitted after this period may no longer be eligible for reimbursement.

Download the claim form and full policy wording.

BPI Personal Cyber Insurance is a specialized insurance policy designed to protect BPI Credit Cardholders from financial losses caused by cyber fraud, online scams, and unauthorized transactions.

To qualify for BPI Personal Cyber Insurance, you must:

• Be a BPI Credit Cardholder with an active and good-standing account.
• Be a Filipino citizen or a resident of the Philippines with an Alien Certificate of Registration Identity.
• A qualified cardholder must make an online transaction worth PHP 10,000.00 to begin coverage. 

The policy provides coverage for 12 months from the date of the Policyholder’s declaration.

The key benefits of BPI Personal Cyber Insurance include:

• Unauthorized Transactions: Reimbursement for financial losses arising from fraudulent transactions resulting from the loss or theft of the Insured’s BPI Credit Card, provided these transactions were unauthorized.
• Social Engineering Reimbursement for financial losses incurred as a result of fraudulent schemes where the Insured was deceived into transferring funds.
• Credit Card Account Takeover Fraud: Coverage for unauthorized transactions made after an unauthorized third-party gains access to the Insured’s BPI Credit Card account.
• Online Shopping Fraud: Reimbursement for transactions involving fraudulent online marketplaces or retailers.

No. Payments made to an incorrect payee (e.g., if the cardholder entered the wrong details or sent payment to the wrong party) are not covered. The policy only applies to unauthorized transactions, social engineering, credit card account takeover fraud, and online shopping fraud.