Definition of Terms
General Policies
1. The Supplemental Terms and Conditions for Robinsons Cashback Card Program and Other Privileges form an integral part of, and must be read together with, the BPI Credit Card Terms and Conditions, as the same may be amended by BPI from time to time, and which are incorporated here by reference. BPI may, at any time and for whatever reason it may deem proper, amend, revise or modify these Supplemental Terms and Conditions, and any such amendments, revisions, supplement or modifications shall be binding on the Cardholder. The Cardholder shall be notified (through any of the means provided under Section 22 (Notice & Communication) of the BPI Credit Cards Terms and Conditions) of any amendments, revisions or modifications to these Supplemental Terms and Conditions at least sixty (60) days prior to the effective date thereof, unless the amendments, revisions or modifications shall take effect as otherwise directed by the Bangko Sentral ng Pilipinas or provided by applicable laws, rules or regulations.
2. The benefits and privileges described below may be amended by BPI at any time.
Eligibility and Participation
1. Cardholders of Robinsons Cashback Card (“Robinsons Cashback Card”) whose accounts are active and in good credit standing (i.e. card must not be delinquent, suspended, blocked or cancelled) as determined by BPI in its sole discretion are entitled to earn Robinsons Cashback from qualified spend (the “Robinsons Cashback Program" or "Program”).
2. The Robinsons Cashback Card is a cashback‑earning card and does not participate in the BPI Rewards points program. All qualified transactions will earn Robinsons Cashback instead of BPI Rewards points.
3. BPI reserves the right to suspend or disqualify any Cardholder from further participation in Robinsons Cashback Program, if in its sole determination, such Cardholder has violated these Terms and Conditions or the Terms and Conditions Governing the Issuance and Use of BPI Credit Cards. Such suspension or disqualification may result in the cancellation of the Cardholder's right of participation and/or the forfeiture of all Robinsons Cashback earned.
Accumulation of Robinsons Cashback
1. Robinsons Cashback earned by the Principal and/or Supplementary Cardholder will be consolidated into the Principal Cardholder's Robinsons Cashback pool under the Principal Cardholder’s account.
2. The total Robinsons Cashback earned by the Cardholder that is available for redemption shall be reflected in the Principal Cardholder’s Statement of Account as “Cashback Available”.
3. The Principal Cardholder must notify BPI immediately for any error on the Total Robinsons Cashback Available or Robinsons Cashback Redeemed as reflected in the monthly Statement of Account. If no error is reported within thirty (30) calendar days from the statement date indicated in the SOA, the SOA shall be considered correct and binding upon the Principal Cardholder and Supplementary Cardholder.
4. Cardholders of Robinsons Cashback Card are entitled to earn Robinsons Cashback, subject to the following conditions:
- The transaction was made using a qualified Robinsons Cashback Card, and is posted in the Principal Cardholder’s Statement of Account
- The transaction may be completed as local (“Local Transaction”), international (“International Transaction”), or online (“Online Transaction”).
- The transaction may be availed either as Retail, or via the Flexipay of Merchant.
- Each qualified transaction spend amount should be within the spend requirement at Robinsons Brands and Affiliate Stores or other Merchant Category Codes.
- The transaction is classified under any of the following Robinsons Brands and Affiliate Stores and Other merchant categories (“Merchant Categories”):
Cashback % | Merchant Name |
|---|---|
3% cashback for every minimum single receipt spend of PHP 3,500 | Robinsons Brands and Affiliate Stores |
1% cashback for single-receipts spends from PHP 1,000 to PHP 3,499 | Robinsons Brands and Affiliated Stores |
Cashback % | Merchant category code |
|---|---|
1% cashback for a minimum single-receipt spend of Php 1,000 | 5411 - Grocery Stores |
5311 - Department Stores | |
5732 - Electronic Sales | |
4812 - Telecom equipment | |
5722 - Household Appliance Stores | |
5712 - Home Furnitures, Equipment & Furnishings | |
5713 - Floor Covering Store (carpets, tiles, wood, etc) | |
5631 - Women's Accessory & Specialty Stores | |
5661 - Shoe stores | |
5944 - Jewelry, Watch & Silverware Store | |
5948 - Leather Goods & Luggage Store | |
5699 - Misc. Accessory & Apparel Stores | |
5611 - Men's & Boys' Clothing & Accessories | |
5621 - Women's RTW | |
5641 – Children’s & Infants’ Wear Stores | |
5651 – Family Clothing Stores | |
5655 – Sports/Riding Apparel | |
5691 - Men's & Women's Clothing Stores | |
5697 - Couturier/Tailors | |
7278 - Buying/Shopping Clubs, Services | |
5310 - Discount Stores | |
5331 - Variety Stores | |
5399 - Misc. Gen. Mdse stores | |
5964 - Direct Mktg – Catalog Merchants | |
5977 – Cosmetic Store | |
5999 – Misc. & Specialty Retail Stores | |
4% cashback on a minimum single-receipt spend of Php 1,000 | 5812 - Restaurants |
5813 - Bars, Cocktail lounges, Disco, Nightclub | |
5814 - Quick Payment Svc – Fast Food Resto | |
5499 – Miscellaneous Food Store – Convenience Store | |
5811 – Caterer | |
0.3% cashback on a minimum single receipt spend of PHP 1,000 | Other categories |
Robinsons Brands and Affiliate Stores
Robinsons Supermarket | Robinsons Easymart | The Marketplace |
Shopwise | Spatio | Robinsons Department Store |
Benefit | Shiseido | Cle De Peau |
Sole Academy | Savers Appliances Depot | Toys “R” Us |
Robinsons Appliances | Handyman Do It Best | True Value |
Southstar Drug | Rose Pharmacy | Daiso Japan |
Super 50 | Uncle John’s (select stores only) | Pet Lovers Centre |
Premium Bikes |
|
|
- Robinsons Cashback earned are subject to an annual (“Annual”) cashback cap of Php 20,000 per Principal Cardholder. If the Principal Cardholder reaches the cashback cap of Php 20,000 at any given time within January to December, Robinsons Cashback accumulation will stop until December 31 of the same year. Robinsons Cashback accumulation will resume in January 1 of the following year. To illustrate:
Year | Date | Robinsons Cashback earned for the month | Total Robinsons Cashback earned for the year | Robinsons Cashback redeemed | Total available Robinsons Cashback | Remarks |
|---|---|---|---|---|---|---|
October 1 | Php 0 | Php 20,000 | Php 0 | Php 20,000 | Principal Cardholder Reaches the Annual Robinsons Cashback Cap of Php 20,000 | |
2026 | November | Php 0 | Php 20,000 | Php 0 | Php 20,000 | Robinsons Cashback accumulation stops |
2026 | December 31 | Php 0 | Php 20,000 | Php 0 | Php 20,000 | Robinsons Cashback accumulation stops |
2027 | January 1 | Php 1,000 | Php 21,000 | Php 0 | Php 21,000 | Php 20,000 unredeemed Robinsons Cashback from 2026 is carried over to 2027. Robinsons Cashback accumulation resumes. |
2027 | February | Php 500 | Php 21,500 | Php 0 | Php 21,500 |
|
2027 | March | Php 2,500 | Php 24,000 | Php 0 | Php 24,000 |
|
2027 | April | Php 2,500 | Php 26,500 | Php 0 | Php 26,500 |
|
2027 | May | Php 1, 500 | Php 28,000 | Php 0 | Php 28,000 |
|
2027 | June | Php 1,000 | Php 29,000 | Php 0 | Php 29,000 |
|
2027 | July | Php 2,000 | Php 31,000 | Php 0 | Php 31,000 |
|
2027 | August | Php 2,000 | Php 33,000 | Php 0 | Php 33,000 |
|
2027 | September | Php 7,000 | Php 40,000 | Php 0 | Php 40,000 | Principal Cardholder Reaches the Annual Robinsons Cashback Cap of Php 20,000. |
2027 | October 1 | Php 0 | Php 40,000 | Php 0 | Php 40,000 | Robinsons Cashback accumulation stops because the cardholder has already reached the maximum annual cashback limit of Php 20,000. |
d. In determining the qualification of a transaction or Robinsons Cashback Card and which Robinsons Cashback percentage applies, BPI shall be bound by and shall not be responsible for the merchant name of participating Robinsons Brands and Affiliate Stores and the Merchant Category classification assigned or made by the acquiring bank in accordance with the requirements prescribed by Visa.
e. In case of any inconsistency between the Merchant Category above and the Merchant Category Code used by the acquiring bank, the latter shall prevail.
f. The following types of transactions are not eligible to earn Robinsons Cashback:
- Cash advance
- Special Installment Plan Loans Loans such as: Balance Transfer, Credit to Cash, and Balance Conversion
- Transactions from these businesses: casino/gambling, money transfers, quasi cash financial institution, political organizations and bail and bond payment.
- Annual fees, finance or interest charges on both regular and cash advance transactions, late payment charges, disputed transactions, credit transaction adjustments, and all fees related to card replacement and cash advance
g. Robinsons Cashback may be earned from other activities deemed appropriate and will be announced from time to time through electronic direct mailers, SMS advisories, flyers, Statements of Account, or such other means as BPI may consider appropriate and effective.
5. Robinsons Cashback are computed based on increments of Php 1,000. To illustrate:
Transaction details | Cashback % | Computation | Total Cashback earned |
|---|---|---|---|
Php 500 transaction at Robinsons Supermarket | Not eligible for cashback | NA | Php 0 |
Php 4,500 transaction at Robinsons Department Store | 3% | Php 4,000 x 3% | Php 120 |
Php 1,000 transaction at Petron | 0.3% | Php 1,000 x 0.3% | Php 3 |
Php 10,500 transaction at Blackbird Restaurant in Makati | 4% | Php 10,000 x 4% | Php 400 |
6. Robinsons Cashback earned cannot be transferred to any other person.
7. Robinsons Cashback accumulation will be suspended for blocked accounts due to a reported lost card, effective on the date the loss is reported. Robinsons Cashback accumulation will resume when transactions are made with the replacement card.
8. Fraudulent earning or redemption of Robinsons Cashback may result in the forfeiture of available Robinsons Cashback as well as cancellation of the cardholder's credit card. For the avoidance of doubt, the cardholder retains the right to dispute any unauthorized or fraudulent transactions in accordance with the Bank’s dispute resolution process and applicable regulations.
Redemption of Robinsons Cashback
1. Only the Principal Cardholder is eligible to redeem Robinsons Cashback.
2. Robinsons Cashback is eligible for redemption only for accounts that are current and in good credit standing, (i.e. card must not be delinquent, suspended, blocked or cancelled) at the time of redemption.
3. A Cardholder with a closed account may redeem any available Robinsons Cashback within sixty (60) days from the date of closure provided that the account was in good credit standing at the time of closure. Unredeemed Robinsons Cashback will be forfeited after sixty (60) days from the date of cancellation.
4. Once a valid redemption request has been made, it cannot be cancelled, revoked, or changed.
5. Robinsons Cashback cannot be exchanged for other items.
6. Your earned Robinsons Cashback can be redeemed in increments of Php 500 through any of the following channels:
If you have an existing BPI online account, you can redeem it through the BPI Help & Support.
If you DO NOT have an existing BPI online account, you can redeem it through the following:
a. 24-hour BPI Contact Center at (+632) 889-10000
b. Send us a message through the Contact Us Page
7. A Principal Cardholder can redeem his/her earned Robinsons Cashback in increments of Php 500. To illustrate:
Robinsons Cashback earned | Robinsons Cashback available for redemption |
|---|---|
Php 500 | Php 500 |
Php 700 | Php 500 |
Php 1,400 | Php 1,000 |
8. Robinsons Cashback redeemed under the Program will be reflected in the Principal Cardholder’s Statement of Account as cash credit with description “Cashback Redeemed”, within fifteen (15) working days from the date of the redemption request. Cash credit serves as payment and will be deducted from the outstanding balance of the Cardholder’s Robinsons Cashback Card. BPI reserves the right to adjust the Robinsons Cashback required to redeem without prior notice.
9. If a Principal Cardholder’s outstanding balance is lower than the redeemed Robinsons Cashback:
a. If the Cardholder has 1 card (Robinsons Cashback Card), the excess Robinsons Cashback redeemed will be reflected as overpayment to the Cardholder’s Robinsons Cashback Card.
b. If the Cardholder has 2 or more cards (Robinsons Cashback Card + Other BPI Credit Card/s), the excess Robinsons Cashback redeemed will be applied as payment on the succeeding statement cycle’s outstanding balance for the Cardholder’s other BPI Credit Card/s.
10. Processing of data for purposes of administering the Cashback Program shall be in accordance with the Data Privacy Act and the BPI Privacy Notice.
Date Published: April 24, 2026
Effectivity Date: June 1, 2026
The information contained in this document is accurate as of February 2026 and is subject to change after such date.
Customer Support
BPI
For inquiries and comments, please send us a message or call our 24-hour BPI Contact Center at (+632) 889-10000.
