Swipe & Save for Life Promo

Get an eligible BPI Rewards Card and enjoy no annual fees for life thru ”BPI’s Swipe & Save for life Promo (the “Promo”)! Just meet the spend requirement within the promo period and unlock a lifetime waiver on your annual membership fee. 

General Policies

1. These Terms and Conditions govern the Promo for all individuals who apply for, and are issued, a qualified BPI Credit Card during the Promo Period, subject to other eligibility requirements prescribed hereunder.

2. The Terms and Conditions governing the use of BPI Credit Cards, BPI’s Products, Services, Facilities and Channels, as well as the BPI Data Privacy Statement, are hereby incorporated by reference and shall form an integral part hereof.

Promo Mechanics

1. The Promo, which shall run from October 20, 2025 to January 31, 2026  (the “Promo Period”), shall be open to the following (“Eligible Cardholders”):

• Individuals who apply for either a BPI Gold Rewards Card or a BPI Rewards Card during the Promo Period, and whose applications are approved within thirty (30) days from the Promo end date, and who, prior to such application and issuance:
  • Did not have an existing principal BPI Credit Card; and
  • Did not have BPI Credit Cards which were cancelled within the last twelve (12) months 

2. Customer must meet the spend requirement within the spend period using the eligible card issued during the Promo Period. 

3. Valid transactions to be included are posted transactions of the following types:

a. Retail transactions 

b. Special Installment Plan (SIP) merchant transactions

c. Credit-to-Cash

d. SIP for Schools  

e. SIP for Hospital

f. Balance Transfer transactions

g. Utility Bills payment

h. Pay Bills via Credit Card

4. The following transactions are excluded from the Promo: 

a. Fees: Late payment fees, gaming fees, replacement fee, check protect fee, cash advance fee

b. Cash Advance

c. eCredit transactions

d. Balance Conversion Transactions

e. Bail and bond payment transactions

f. Casino/ Gambling transactions

g. Money Transfer Merchant transactions

h. Quasi-cash merchant financial institution transactions

i. Political Organization transactions

j. Transactions from stock trading, foreign exchange trading, financial trading services, remittance and the like; mobile payment/mobile wallet transactions and online payment system (such as but not limited to GrabPay, GCash, PayMaya, PayPal, Coins.ph, and the like) 

k. Business transactions such as but not limited to  direct or multi-level marketing, as well as from merchants specifically engaged in wholesale and distribution, payment services, and professional services.

5. Valid transactions made by the Eligible Principal Cardholder and his supplementary cardholder(s) during the applicable spend period using their eligible cards will be accumulated and shall be considered for purposes of determining the spend under this Promo.

6. Eligible Cardholders who meet the one-time spend requirement will be awarded an AMF waiver for life on the applicable awarding period. Cardholder shall receive an advisory when the AMF waiver for life has been applied.

7. Each Eligible Cardholder (who must be the principal cardholder) may only be awarded the AMF waiver for life once, and only for his newly-issued BPI rewards earning card and its replacements due to expiry. 

8. Supplementary cards are excluded from this Promo, and will follow the standard AMF charging – free AMF for life for 1st supplementary card, and annual charging of AMF for the 2nd supplementary card onwards.

9. In case customer applied for both cards during the Promo Period, only the BPI Gold Rewards Card shall be qualified for the Free For Life Promo.

10. In case customer upgrades the card type from a BPI Rewards Card to a BPI Gold Rewards Card during the promo period, the Eligible Cardholder shall still be entitled to the AMF waiver for life, but the spend requirement will be based on the BPI Gold Rewards Card.

11. In case customer changes the card type from a non-eligible BPI Credit Card to an eligible BPI Credit Card within the promo period, the Eligible Cardholder shall still be entitled to the AMF waiver for life, assuming client met the spend requirement under the non-eligible BPI Credit Card and the eligible Credit Card combined within the spend period based on the approval of the first card. To illustrate, if a client availed of a BPI Amore Cashback Card and decided to convert to a BPI Gold Rewards Card, client is still eligible as long as the accumulated spend under the BPI Amore Cashback Card and BPI Gold Rewards Card is at least PHP 50,000 within the spend period. 

12. Once a card is awarded with an AMF waiver for life, the waiver is not transferrable in case of conversion, upgrade or change in the card type. To illustrate, if a client was already awarded with the AMF waiver for life on the BPI Gold Rewards Card and decided to upgrade to a BPI Platinum Rewards Card, the AMF waiver for life will not be carried over to the BPI Platinum Rewards Card. 

1. Select BPI depositors who received an invitational offer via telesales, email, viber and sms will receive PHP 1,000 eGCs if they apply for a BPI Credit Card. 

2. The eGC will be sent to the client by Giftaway based on the awarding schedule below:

3. The eGC is for one-time use only and is not convertible to BPI Points, cash, or cash credit.

4. As the eGCs come in PHP 500 denominations only, if the total value of eGCs used to redeem an item is not used up, the remaining value will be forfeited. To illustrate, if the Eligible Cardholder wants to redeem an item worth PHP 800 purely with eGCs, the Eligible Cardholder must use two (2) eGCs, totaling PHP 1,000. The PHP 200 will not be refunded to the Eligible Cardholder, and will be forfeited. However, the Eligible Cardholder will have the option to supplement his eGCs with cash. In the example above, the Eligible Cardholder may choose to use only one (1) eGC amounting to PHP 500, and pay the merchant the remaining PHP 300 in cash.

5. All terms and conditions relating to the use of eGC code redemption per merchant, as indicated in the redemption portal, shall apply. 

6. The eGC is valid for sixty (60) days

7. BPI will not send notifications via SMS and/or email on the expiry date of the eGCs.  The customer shall be responsible in tracking the expiry of his rewards. 

8. BPI will not accommodate cardholder requests in re-sending eGCs due to reasons such as, but not limited to:

a. Lost, stolen or defective mobile device

b. Expired eGCs

c. The eGC was successfully sent to the principal cardholder’s registered contact information in BPI’s system, but the contact information is no longer in use by the cardholder without updating his/her records with BPI.

1. The principal credit card must be active and current at point of awarding.

2. This Promo, unless otherwise provided, will not apply in conjunction with any other welcome gift promotion. In case of dispute pertaining to the Promo including, but not limited to, the cardholder’s eligibility, coverage dates, fulfillment, etc., BPI’s decision, with the concurrence of DTI, will prevail. Any and all questions or disputes regarding the eGCs received in connection with this Promo must be raised to Giftaway (support@giftaway.ph) within thirty (30) days from the date of receipt of the eGCs.

3. All questions and issues arising from the Promo will only be accepted within sixty (60) banking days after the last day of the redemption period or not later than June 30, 2026, after which BPI shall no longer accommodate disputes. 

4. Fraud, abuse, or any unauthorized action on credit card transaction or the participation/availment in the promo may result in the disqualification of the cardholder from the promo, suspension and/or cancellation of card privileges and/or the charge of the full value of the eGC to the Principal Cardholder’s account, according to BPI’s discretion. 

5. By joining this promo, cardholders have authorized BPI to give necessary information to its third-party contractor or agent to perform and complete the awarding of the eGCs. 

6. The terms and conditions governing the issuance and use of BPI Credit Cards, which are made an integral part hereof by reference, shall likewise be resorted to in instances where they are applicable to this Promo. 

7. The Promo shall be subject to periodic review to ensure compliance with BPI’s policies and procedures, as well as with BSP rules and regulations and other applicable laws.

8. The application for, and issuance of, the qualified BPI Credit Cards, shall be subject to BPI’s applicable credit parameters.

9. BPI employees are disqualified to join the Promo.

10. To the full extent allowed by applicable laws, all warranties, whether express or implied by law or statute, are excluded herein. BPI does not make any warranty, express or implied, with respect to any of the prizes.

Read the frequently asked questions about this promo.

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- 239048, Series of 2025.