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.
*Not applicable to BPI eCredit Card.
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
Special Installment Plan (S.I.P.) Loan Service Fee
Php 300 per S.I.P. Loan availment
1Not applicable to BPI Family Credit Card Mastercard
2Applies to BPI Family Credit Card Mastercard only
3Express Start Cancellation Fee only applies to cardholders with accounts under deposit holdout. Terms and conditions apply.
25% of the amount due
25% of the unpaid amount, plus litigation expenses and judicial costs
Updated as of April 2023
Originally published on January 2022