Card membership fees
Card typePrincipal card1st supplementary card2nd to 6th supplementary card
BPI Signature CardPhp 5,500/yearFree for LifePhp 2,750/year
BPI Amore Platinum Cashback CardPhp 5,000/yearFree for Life

Php 2,500/year

BPI Platinum Rewards CardPhp 4,000/yearFree for lifePhp 2,000/year
BPI Gold Rewards CardPhp 2,250/yearFree for LifePhp 1,125/year
BPI Amore Cashback CardPhp 2,050/yearFree for LifePhp 1,025/year
BPI Rewards CardPhp 1,550/yearFree for LifePhp 775/year
Petron-BPI CardPhp 1,550/yearFree for LifePhp 775/year
BPI Edge CardPhp 110/monthFree for LifePhp 55/month
BPI Family Credit CardPhp 1,350/yearFree for LifePhp 675/year
BPI Corporate CardPhp 1,700/yearNot applicableNot applicable
BPI eCredit CardFreeFreeFree
Interest rates and charges

Finance Charge or Nominal Interest Rate1

(Effective Interest Rate per month2)



Cash Advance Finance Charge or Nominal Interest Rate1

(Effective Interest Rate per month3)



1Finance Charge is the nominal rate computed by multiplying the applicable rate to the Average Daily Balance.

2Effective Interest Rate is the average monthly interest divided by the Average Principal Balance.

3Cash Advance Effective Interest Rate per month = Average Monthly Interest plus Cash Advance Fee of Php 200 divided by the Average Principal Balance.

Transaction fees

Cash Advance*

Php 200 flat fee per transaction

Foreign Transaction Service Fee

0.85% plus the Mastercard / Visa assessment fee of 1% shall apply to the converted amount of foreign-denominated transactions, using the foreign exchange rate of Mastercard / Visa at the time the transaction is posted.

The Mastercard / Visa assessment fee of 1% shall also apply to:

A. foreign currency transactions converted then billed in Philippine Peso at point-of-sale or;

B. transactions charged in Philippine Peso by a foreign acquirer at point-of-sale.

This fee applies whether the transaction is made in/outside the Philippines or online.

Gaming Transactions

Php 500 or 3% of the gaming transaction, whichever is higher, shall be charged for every gaming transaction in casinos and/or online betting

Special Installment Plan (S.I.P.) Pre-termination*

Php 550 plus 2% of the loan principal amount if pre-terminated before the first billing.

Php 550 plus applicable interest of the next monthly payment if pre-terminated after the first billing using the diminishing balance method.

*Not applicable to BPI eCredit Card.

Service fees

Card Replacement

Php 400/card

Check Protect

Php 1,200 or 2% of the funded check amount by the BPI Credit Card, whichever is higher

Statement of Account Copy

Php 200 per statement of account

Account Maintenance Fee1

Php 200/month or the overpayment amount if less than Php 200, will be debited from:

A) Closed credit card accounts with overpayment for more than one (1) month from the date of termination/cancellation

B) Credit card accounts with overpayment with no activity for the past 12 months

Closed Account Maintenance Fee2

Php 50/month will be charged to terminated/ cancelled card accounts with credit balances for more than one (1) month from the date of closing

Express Start Cancellation Fee3

Php 1,500

Special Installment Plan (S.I.P.) Loan Service Fee

Effective April 16, 2024, the S.I.P. Loan Service Fee of Php 300 will be adjusted to Php 500 to be charged for every S.I.P. Loan availment above Php 50,000 while transactions up to Php 50,000 will still be charged at Php 300.


This fee will be applied to the following S.I.P. Loans:

  • Balance Transfer
  • Credit-to-Cash
  • Balance Conversion

1Not applicable to BPI Family Credit Card

2Applies to BPI Family Credit Card only

3Express Start Cancellation Fee only applies to cardholders with accounts under deposit holdout. Terms and conditions apply.

Minimum amount due

Effective July 2022, the computation for the Minimum Amount Due shall be as follows: 


If your Total Outstanding Balance (TOB) is:

Less than or equal to Php 850 

Minimum Amount Due shall be equal to the TOB

More than Php 850 

Compute 3.57% of the difference of the TOB and the sum of new retail purchase, new cash advance transactions, and adjustments posted during the statement month.

If the computed amount is:  

  • Less than or equal to Php 850, then the Minimum Amount Due is Php 850 plus 100% of past due amounts, if any.
  • More than Php 850, then the Minimum Amount Due is equal to the computed amount plus 100% of past due amounts, if any.
Penalty fees

Late Payment

Php 850 or equivalent to the value of the unpaid minimum amount due, whichever is lower, will be charged per occurrence per card.

Returned Check

Php 100 for every returned check and additional 6% of the check amount

In case of default, cardholder shall pay the following in addition to penalty and charges:

Attorney's Fee

25% of the amount due

Liquidated Damages

25% of the unpaid amount, plus litigation expenses and judicial costs

Published March 6, 2024

Updated as of January 2024

Originally published on January 2022

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