Triple the rewards every time you shop.

Earn 3x points when you shop with your BPI Rewards Card or BPI Gold Rewards Card.

Promo Highlights

Earn 3x Points

Use your BPI Rewards Card or BPI Gold Rewards Card on eligible merchant categories and enjoy 3x points every time you shop.

No Registration

Start earning instantly, no registration required.

Promo Mechanics

Eligibility

This promo is open exclusively to all BPI Rewards Card and BPI Gold Rewards cardholders whose accounts are active, unblocked, unexpired, and in good credit standing. "Good credit standing" means accounts that are not delinquent, not under investigation for fraud, not reported lost or stolen, and in compliance with the BPI Credit Cards Terms and Conditions.

Promo Period

Spend period is from November 19, 2025 to December 31, 2025.

Earning of 3x BPI Rewards Points:

1. Qualified cardholder will earn 3x BPI Rewards Points when they use their qualified BPI Credit Card for online or in-store transactions with any Merchant Category Code (MCC) listed below:

Merchant Category	MCC
Clock, Jewelry, Watch, and Silverware Store	5944
Department Stores	5311
Men's and Boy's Clothing And Accessories Stores	5611
Sports Apparel, Riding Apparel Stores	5655
Shoe Stores	5661
Men's and Women's Clothing Stores	5691
Accessory and Apparel Stores-Miscellaneous	5699
Eating Places, Restaurants	5812
Fast Food Restaurants	5814
Sporting Goods Stores	5941
Leather Goods and Luggage Stores	5948
Electronic Sales	5732
Family Clothing Stores	5651
Women's Accessory and Specialty Stores	5631
Women's Ready To Wear Stores	5621

2. In determining the qualification of a transaction to earn 3x BPI Rewards Points, BPI shall be bound by and shall not be responsible for the Merchant Category classification made by the acquiring bank in accordance with the requirements prescribed by Mastercard.

3. In case of any inconsistency between the Merchant Category above and the Merchant Category Code used by the acquiring bank, the latter shall prevail.

4. Qualified cardholder must meet a minimum spend of PHP 35 to earn points.

5. BPI Rewards Points earned will be reflected in the VYBE app’s ‘BPI Rewards’ dashboard no later than sixty (60) days from the date of the relevant transaction.

6. Qualified transactions made by the principal cardholder and his/her supplementary cardholder(s) will be accumulated and shall be considered as the principal cardholders’ total transactions under this promo.

Illustration 1: All transactions are qualified to earn 3x Rewards Points

Category	Transaction Amount (PHP)	Regular BPI Rewards Point Earned (1x)	Bonus BPI Rewards Points Earned (2x)	Total BPI Rewards Points Earned (3x)
5661 (Shoe Stores)	7,500	214	428	642
5814 (Fast Food Restaurants)	1,200	34	68	102
5732 (Electronic Sales)	25,000	714	1,428	2,142
5311 (Department Stores)	3,000	85	171	256
5941 (Sporting Goods Stores)	5,000	142	285	427

Illustration 2: Not all transactions are qualified to earn 3x Rewards Points

Category	Transaction Amount (PHP)	Regular BPI Rewards Point Earned (1x)	Bonus BPI Rewards Points Earned (2x)	Total BPI Rewards Points Earned
5411 (Grocery Stores)	7,500	214	0	214
5814 (Fast Food Restaurants)	1,200	34	68	102
5912 (Drug Stores)	25,000	714	0	714
5311 (Department Stores)	3,000	85	171	256
5941 (Sporting Goods Stores)	5,000	142	285	427

7. The bonus points can be redeemed along with the baseline BPI Rewards Points earned by the cardholder as a feature of their card.

8. The bonus points cannot be pooled with another principal cardholder nor transferred to any other person and cannot be converted to cash.

9. Dormant, suspended, delinquent, or blocked BPI Accounts will not be eligible to earn 3x BPI Rewards Points. Earning BPI Rewards Points for such accounts shall only resume once the above-mentioned status has been lifted.

General Terms and Conditions

1. The terms and conditions governing the issuance of BPI Credit Cards and other provisions contained in the card carrier, statement of account, charge slips, and other documents or instruments, which are made an integral part hereof by reference, shall likewise be resorted to instances where they are applicable in this offer.

2. BPI reserves the right, at any time and with notice, (i) to amend, modify or supplement these BPI Rewards Accelerator Promo Terms and Conditions or (ii) discontinue or terminate the BPI Rewards Accelerator Promo or any part thereof.

3. The Terms and Conditions governing BPI’s Products, Services, Facilities and Channels, BPI’s Online Banking Terms and Conditions, BPI VYBE’s Terms and Conditions, BPI’s Rewards Program Terms and Conditions, and the BPI Data Privacy Policy and applicable rules and regulations of the Bangko Sentral ng Pilipinas (BSP), as the same may be amended, modified and supplemented from time to time, are incorporated by reference and form part of these Terms and Conditions.

Customer Support

BPI

For inquiries and comments, please send us a message or call our 24-hour BPI Contact Center at ‎(+632) 889-10000.

Per DTI Fair Trade Permit No. FTEB-509812, Series of 2025.

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