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Up to USD 200 coverage

Shop online without worries when using your BPI Mastercard.

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No minimum spend requirement

Simply use your BPI Mastercard when shopping online.

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Have worry-free online shopping

From non-delivery and/or incomplete delivery to defective items*, we got you covered.


*Subject to the benefit limit and exclusions

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How it works

Shop online with your BPI Mastercard and enjoy BPI's free eComm Purchase Assurance powered by Mastercard, with up to 200 USD coverage. No minimum spend required.

Qualified credit cards

  • eCredit Mastercard
  • Gold Mastercard

Promo period and coverage period is from August 05, 2021 to August 05, 2022.

The benefits stated herein are subject to the Terms and Conditions of the Insurance Provider. BPI shall have no liability to any Cardholder, including for any claim for insurance benefits. BPI is merely making available the provision of such insurance product by a qualified 3rd party, authorized and licensed to engage in insurance business in the relevant territory. BPI is not a provider or broker of insurance and does not act as a third-party adjuster, claims assessor or as an agent for the underwriter or any other party.

Benefit limits

Cardholders are insured up to the amount of the benefit limit indicated below:

Eligible BPI Credit CardBenefits limits (USD) per occurenceBenfits limits (USD) annual aggregate
Gold Mastercard200200
eCard Mastercard100100

Each insurance benefit limit described above is in United States Dollars (USD). Payment of claims will be made in local currency where required by law using the official Foreign Exchange Rates published on the date the payment is made.


Subject to the benefit limit, and exclusions, cardholders will be reimbursed for the following:

a. Non-delivery/and or incomplete delivery of Goods and shipping charges that are purchased on the internet. Goods are insured against non-delivery if the Goods have not been delivered within 30 days of the scheduled delivery, unless so otherwise stated by Seller and the Seller has failed to refund the cardholder to his/her eligible card, in excess of other applicable insurance.

b. Improper functioning due to damage of delivered Goods: The delivered Goods are insured against improper functioning as a result of physical damage if the Seller or Courier has failed to refund to the cardholder’s eligible card, in excess of other applicable insurance.

After receipt of the Covered Purchase, the Insurer will pay for loss due to Accidental Damage or Theft, occurring within 180 days from the purchase date of the Covered Purchase, up to the Per Occurrence Limit, and subject to the Annual Aggregate Limit per Cardholder.

Covered Purchases given as gifts are covered.
Covered Purchases include internet purchases.
Covered Purchases do not have to be registered.

In the event of a valid claim, the Insurer will pay the cardholder the purchase price for each item(s) of his/her purchase, up to the amount as specified in the Summary of Cover.


The insurer will not be liable to pay for any claim, expenses, or loss in connection with:

a. lawful confiscation by the Police, Government Agencies, Courts, or other empowered authorities;

b. any fraudulent or willful act by the cardholder.

c. any motor vehicle airplanes, boats, automobiles and motorcycles, and any equipment, parts, or accessories;

The insurer shall not be liable to pay any claim for the non-delivery of the Covered Purchase or Damage in connection with:

a. animals or plant life;

b. cash, bullion, negotiable instruments, shares, traveler’s checks, or tickets of any description (including but not limited to tickets for sporting and entertainment events, and travel);

c. consumable or perishable items (including but not limited to, food, flowers, drink, drugs, nutrition supplements);

d. motor vehicles, motorcycles or motor scooters, watercraft, aircraft, and any equipment and/or parts necessary for its operation and/or maintenance;

e. goods purchased for commercial use including items purchased for re-sale or tools of trade or profession;

f. access to internet websites, software or data files downloaded from the internet including music files, photos, reading material, books and movies;

g. services provided via the Internet such as cinema tickets, air tickets, hotel bookings, car rental, financial advice;

h. goods purchased from a natural person either through a private transaction or an online auction website.

i. counterfeit or fake goods

j. loss or damage due to a natural catastrophe, atmospheric or climatic conditions, wear and tear, depreciation, gradual deterioration, water, pollution or contamination of any kind, manufacturing defects or inherent vice, vermin, insects, termites, mold, wet or dry rot, bacteria, rust, cleaning, servicing, maintenance, adjustment or repairs;

k. losses due to mechanical failure, electrical failure; software or data failure;

l. loss of data;

m. goods purchased for resale or items which are used goods, damaged goods or second-hand goods at the time of purchase;

n. permanent household and/or business fixtures, including but not limited to carpeting, flooring and/or tiling, air conditioners, refrigerators, or heaters;

o. goods used for, or intended to be used for, retail and/or property rental, or other business purposes;

p. items that the cardholder have rented or leased;

q. items that were, at the time of purchase, used, rebuilt, refurbished, or remanufactured;

r. art, antiques, firearms, and Collectable Items;

s. furs, watches, jewelry, gems, precious stones, and articles made of or containing gold (or other precious metals and/or precious stones);

t. the costs or charges which do not relate to any purchase, which the cardholder paid for using his/her eligible card;

u. misplacement;

v. disappearance; or

w. goods deemed to be illegal by local government authorities


To be eligible for this coverage, the following needs to be present or to have occurred:

1. The cardholder must purchase online from August 5, 2021 to August 5, 2022 using a qualified BPI Credit Card.

2. The delivery address for the Goods must be to the cardholder’s postal address in the Philippines.

3. A shipment tracking number must be assigned and provided by the seller of the goods or a designated transportation company.

4. The cardholder must take all necessary reasonable action against the seller to send replacement goods or refund the purchase amount to him/her.

5. The cardholder must have informed the seller in writing and by registered mail of the non-delivery of goods and demanded replacement goods or a full refund if the goods have not been delivered.

6. In the event that a claim for non-delivery is paid to the cardholder, and the original goods eventually arrive, the cardholder should pay back any indemnity received to the insurer.

7. In the event that a claim is submitted for improper functioning due to damage of delivered goods, the cardholder shall notify the seller of the goods and the insurer within 48 hours.

8. The cardholder will cooperate with the insurer and help the insurer to enforce any legal rights the cardholder or the insurer may have in relation to the cardholder’s claim.

9. For damage claims, it is the insurer’s discretion to decide whether to have the item repaired or replaced, or to reimburse the original purchase price less any rebates, discounts, or rewards points.

10. Covered purchases that are a pair or a set will be limited to the cost of repair or replacement of the specific item if repairable or replaceable; otherwise, the value of the pair or set will be covered, not to exceed the per occurrence limit.

General provisions

1. Notice of Claim: Written notice of claim must be given no later than thirty (30) days from the date of the loss incident. Failure to give notice within (30) days from the date of the loss incident may result in a denial of the claim.

To file a claim, log on to Mastercard Card Benefits or send a claim notification to:

AIG Philippines Insurance, Inc.
Claims Department
30/F Philam Life Tower, 8767 Paseo de Roxas 1226 Makati City, Philippines
Hotline Number: (+632) 887-85501
Contact Center Hours: 8:30 AM to 5:30 PM, Monday to Friday except public holidays.


2. Proof of Loss: The Cardholder must provide to the Insurer the following:

a. A signed claim form, if provided by AIG;
b. Cardholder's statement of account or copy of purchase receipt showing payment of the Covered Purchases which was made entirely with the eligible card;
c. Non-delivery: In the event that a claim for non-delivery is paid to You and the original Goods eventually arrives, You should pay back any indemnity received to the insurer.
d. For theft claims, official copies of the police report within ninety (90) days of incident;
e. For Damage claims, official copies of the repair estimates;

*Cardholders may be required to send in the damaged item(s), at their expense, for further evaluation of the claim.

3. Payment of Claims: All payments to be made by the Insurer shall be paid to eligible cardholders in the Philippines and such payments shall be subject to the laws and regulations then in effect in the Philippines.

4. Legal Rights: The cardholder will cooperate with the insurer and help the insurer to enforce any legal rights the cardholder or the insurer may have in relation to the cardholder’s claim.

5. Fraudulent Claims: The insurer will not be liable if a claim is determined by the Insurer to be fraudulent and all payments made in respect of such fraudulent claims shall be forfeited at the insurer’s discretion.

6. Governing Law and Jurisdiction: This Policy is governed by and interpreted in accordance to the laws of the Philippines. Any dispute will be subject to the exclusive jurisdiction of the courts of the Philippines.

7. Sanctions: The insurer will not be liable to provide any coverage or make any payment hereunder if to do so would be in violation of any sanctions law or regulation which would expose the insurer, their parent company, or its ultimate controlling entity to any penalty under any sanctions law or regulation.

8. Contracts (Rights of Third Parties) Act: A person who is not a party to this Policy contract will have no right under the Contracts (Rights of Third Parties) Act and to enforce any of its term.

Frequently asked questions
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