BPI Free+ Card

Experience the perks of a BPI Credit Card without paying for annual fees forever.

This card is currently offered on an exclusive basis to select BPI depositors only. We will inform you through BPI's official channels when it becomes available to the public. Issuance of the card remains subject to BPI's Credit Card Terms and Conditions, as well as the standard application evaluation and approval process.

Benefits

No annual fee

Enjoy free annual membership fee for life.

Low finance charge

You will get to enjoy a low finance charge of 2.5%.

Interest Eraser

Earn 15% cashback on interest when you pay the Minimum Amount Due (MAD) on time.

More reasons to love this card

Get perks and privileges

Enjoy a wide array of year-round special deals.

Oh My Deals! by BPI Cards

With the new OMD! app, you can discover all the amazing BPI Card deals with just a few taps.

LEARN MORE

Don't miss out on the latest promotions

F1 Hotel Manila Promo

Get 20% off on select rooms with your BPI or Robinsons Bank Credit or Debit Card.

VIEW MORE PROMOTIONS

Tools and services

Rates and fees

Terms and Conditions of Free+

Frequently asked questions

What are the requirements to apply for this card?

The BPI Free+ card is currently offered exclusively to select BPI depositors. We will announce its availability to the public through BPI’s official channels. Issuance of the card remains subject to BPI’s Credit Card Terms and Conditions, as well as the standard application evaluation and approval process.

I am an existing BPI credit cardholder, can I apply for a BPI Free+ card?

Currently, the BPI Free+ Card is offered exclusively to select BPI depositors. This group has been directly notified through Electronic Direct Mailer (EDM) and SMS communications from BPI.

If you did not receive a notification through Electronic Direct Mailer (EDM) and SMS communications from BPI regarding this offer, you may apply once the card becomes publicly available. We will announce updates through BPI’s official channels, so you won’t miss out once the applications open.

Can I convert my existing BPI Credit Card to a Free+ card?

Card conversion is currently not available, as the BPI Free+ Card is being offered exclusively to qualified BPI depositors. We will provide updates through BPI’s official channels once conversion options become available in the future.

Can I request a Supplementary Free+ card?

During this launch, only a Principal BPI Free+ Card will be issued exclusively to select BPI depositors. Supplementary Free+ Cards will be introduced in future updates. We will notify customers once applications for Supplementary cards open.

How do I activate my BPI Free+ card?

Step 1: Using your BPI registered mobile number based on BPI Credit Cards' system records, type BPIACT <space> Last 10 digits of the card

Step 2: Send to 22565060

Example: BPIACT 1234567890 and send to 22565060
Your card will be activated within two (2) banking days [SC6] [CQ7] from the date of request

In case you are not able to activate through SMS, please call (+632) 889-10000 for further assistance or visit any BPI branch near you.

Quick guides

How to earn cashback

Earning the 15% cashback is easy! Just follow these simple steps:

Keep your account active and updated
Use your Free+ card at least once per billing cycle (any amount counts!)
- Eligible transactions: may be completed as local, international, and/or online retail transaction (shopping, dining, etc.)
- Not included: Fees or Credit/Debit adjustments
Pay at least the Minimum Amount Due (MAD) on time as indicated in your credit card monthly billing statement.
The Interest Cashback shall be computed as 15% of the previous month's Finance Charge.

To illustrate:

Statement Cycle	Previous Balance	(-) Payments	(+) Purchases and Advances	(+) Finance Charges and Other Fees	Amount Due	Minimum Amount Due (MAD)	Payment Due Date	Total Available Interest Cashback
February 15 (1^st SOA)	0.00	0.00	2,000.00	0.00	2,000.00	850.00	March 7	0.00
March 15 (2^nd SOA)	2,000.00	850.00 (paid 3/1)	1,750.00	43.25	2,943.25	850.00	April 4	6.49
April 16	2,943.25	2,543.17	0.00	49.60	449.68	449.68	May 6	0.00
May 15	449.68	107.44	0	10.54	352.78	352.78	June 4	0.00

In this example, Cardholder earned Php 6.49 worth of Interest Cashback which is computed as:
- Php 43.25 Finance Charge x 15% cashback = Php 6.49
The Php 6.49 worth of Interest Cashback shall reflect in the following month’s SOA (March 15 SOA).
Because there is no purchase posted for the April 16 SOA, the Cardholder is not eligible to earn an interest cashback.
- Interest Cashback earned cannot be transferred to any other person.
- Interest Cashback accumulation will be stopped for blocked accounts due to lost cards from the date of report of loss. Transactions made with the replacement card will resume Interest Cashback accumulation.
- Fraudulent earning or redemption of Interest Cashback may result in forfeiture of available Interest Cashback as well as cancellation of the Cardholder's credit card.
- Interest Cashback will accumulate into one Interest Cashback pool and will not be pooled together with other cashbacks earned from other BPI products.

Understanding the BPI App

For Existing BPI depositors:

There is no change to your current BPI app. However, once you apply for the new BPI Free+ card, there will be some capabilities that will be available in future updates, and we’ll notify you through BPI’s official channels once they are ready.

BPI App with an existing BPI credit card

BPI App with the new BPI Free+ credit card

(1) The BPI Free+ card will bear or display the card number instead of the customer number.

(2) There is no option yet to use your BPI Free+ card as a source of account to Pay Bills. It will be included in future updates, and we’ll notify you through BPI’s official channels once it’s available.

For New BPI Customers

If you are new to BPI, register your BPI Free+ Card for BPI online through the BPI app or via web browser to conveniently access your account online. Visit the BPI mobile app page to know more.

Features coming soon

Some features of the BPI Free+ Card will be available in future updates. We're working hard to make these accessible to you, and once these functionalities become available, BPI will notify you through any of the communication channels provided under Section 22 (Notice & Communication) of the BPI Credit Cards Terms and Conditions, and relevant provisions of the BPI Credit Cards Terms and Conditions (as well as other applicable terms and conditions) relating to this functionality shall apply.