Promotion highlights
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Get up to 300,000 BPI Points

Purchase the latest gadget or appliance when you meet the spend requirement.

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Spend your way to waive the yearly annual fees

Meet the spend requirement to get your annual fee waived.

Promo Mechanics: Welcome Gift

1.This Welcome Gift Promo is open to new Principal Credit Card customers in good credit standing (“Eligible Customers”) who will apply* for the eligible Credit Cards listed below within the Promo period and whose applications are approved within 30 days from the Promo end date. Existing BPI Credit Cardholders are not eligible for the Promo.  

Eligible Principal Credit Cards:

a. BPI Platinum Rewards Card

b. BPI Gold Rewards Card

c. BPI Rewards Card

 

2. Promo period for application is from October 1, 2023 to December 31, 2023 and is extended until January 31, 2024 as approved by DTI FTEB.

3.Customers who meet the minimum spend requirement using their newly-issued BPI Credit Card within the prescribed spend period below are entitled to a welcome gift, which will be credited to the Principal Cardholder’s account as BPI Rewards Points. 

Qualified Card

Promo Offer

Spend Requirement

BPI Rewards Card

100,000 BPI Rewards Points 

(equivalent to Php5,000 cashback)

Spend at least Php 30,000 within the spend period

BPI Gold Rewards Card
BPI Platinum Rewards Card

300,000 BPI Rewards Points 

(equivalent to Php15,000 cashback)

Spend at least Php 60,000 within the spend period

4. The spend period for the Welcome Gift is based on the approval date as shown below. At the end of each spend period, customers who meet the spend requirement will receive an advisory from BPI confirming that they have successfully met the Promo requirements, and that the Welcome Gift has been credited to their account. 

Approval Date

Spend Period

Awarding and Advisory of Welcome Gift

October 1, 2023 to October 31, 2023

October 1, 2023 to December 31, 2023

February 29, 2024

November 1, 2023 to November 30, 2023

November 1, 2023 to January 31, 2024

March 31, 2024

December 1, 2023 to December 31, 2023

December 1, 2023 to February 29, 2024 

April 30, 2024

January 1, 2024 to January 31, 2024

January 1, 2024 to March  31, 2024

May 31, 2024

February 1, 2024 to February 29, 2024February 1, 2024 to April 30, 2024June 30, 2024

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

  • Retail transactions 
  • Special Installment Plan (SIP) merchant transactions
  • Cash Advance
  • Credit-to-Cash
  • SIP for Schools  
  • SIP for Hospital
  • Balance Transfer transactions
  • Utility Bills payment
  • Pay Bills via Credit Card

6. The following transactions are excluded from the Promo: 

  • Fees: Late payment fees, gaming fees, replacement fee, check protect fee, cash advance fee
  • Balance Conversion Transactions
  • Bail and bond payment transactions
  • Gambling transactions
  • Money Transfer Merchant transactions
  • Quasi-cash merchant financial institution transactions
  • Quasi-cash transactions
  • Political Organization transactions

7. Valid transactions made by the Principal Cardholder and his/her supplementary cardholder(s) during the relevant spend period using their eligible cards and their BPI eCredit card (if any) will be accumulated and shall be considered as the Principal Cardholder’s total transactions under this Promo.

8. The BPI Rewards Points are not convertible to cash or in kind. 

9. The Principal Credit Card must be active and current at point of awarding.

10. This promotion will not apply in conjunction with any other existing bank promotion.

11. Employees of BPI are not qualified from joining the Promo.

12.In case a customer applied for multiple Credit Cards within the same day or within the same month, only one card will be eligible for the Welcome Gift, based on the card hierarchy below:

  • BPI Platinum Rewards Card
  • BPI Gold Rewards Card
  • BPI Rewards Card

13. Converted, upgraded, or change in the card type approved will disqualify the cardholder from receiving the Welcome Gift or Reward.

14. BPI may, at its sole discretion and without prior notice, modify the BPI Rewards Points required for the redemption of shopping credits and other reward items.

15. In case of dispute pertaining to the Promo including, but not limited to, the cardholder’s eligibility, coverage dates, fulfillment, etc., BPI’s decision will prevail with the concurrence of DTI. Any and all questions or disputes regarding the BPI Rewards Points received in connection with this promotion must be raised within 30 days from the date of receipt of the said BPI Rewards Points.

16. The terms and conditions governing the issuance and use of BPI Credit Card and BPI Rewards Points shall form part hereof and are deemed incorporated herein by reference. 

Promo mechanics: Annual membership fee waiver

1. This Annual Membership Fee Waiver promo is open to new Principal Credit Card customers in good credit standing (“Eligible Customers”) who will apply* for the eligible Credit Cards listed below within the Promo period and whose applications are approved within 30 days from the Promo end date. Existing BPI Credit Cardholders are not eligible for the Promo.  

Eligible Principal Credit Cards:

a. BPI Platinum Rewards Card

b. BPI Gold Rewards Card

c. BPI Rewards Card

 

2. Promo period for application is from October 1, 2023 to December 31, 2023 and is extended until January 31, 2024 as approved by DTI FTEB.

3. Supplementary Cards are excluded from the Promo, and will follow the standard Annual Membership Fee (AMF) charging – free AMF for life for 1st supplementary card, and annual charging for membership fee for the 2nd supplementary card onwards will apply.

4. Customers who applied within the promo period are eligible for an AMF Waiver, if they are able to meet the annual spend requirement using their newly-issued BPI Credit Card. The spend period of the AMF Recurring Waiver will be for 12 months, starting from their card anniversary date until 1 calendar day prior their next card anniversary date. The tracking of the annual spend will occur every year.

BPI Customer

Non-Promo BPI Offer

Effectivity for the Annual Membership Fee (AMF) Waiver based on annual spend requirement

Personal  Customer

No annual fee for first year

Second year onwards

Preferred Customer

No annual fee for first 3 years

Fourth year onwards

To illustrate:

Personal BPI Customer:

If the customer applied on October 1, 2023 and subsequently got approved on October 5, 2023, their card anniversary will be on October 5, 2023. Since Personal BPI customers, by virtue of BPI’s non-promo offer, will have their annual fee waived for the first year by default, they will not be charged an AMF at this time. (AMF is charged annually every card anniversary date).

The effectivity for the AMF Waiver based on annual spend requirement will, therefore, begin from October 5, 2023 until October 4, 2024. If the customer meets the annual spend requirement based on their card variant, then he will receive an AMF waiver and does not need to pay their AMF on the cycle of October 5, 2024.

The following year, the spend period will be from October 5, 2024 until October 4, 2025. If they meet the annual spend requirement, the customer will not need to pay the AMF on October 5, 2025. This will occur annually.

 

Preferred BPI Customer:

If the customer applied on October 1, 2023 and subsequently got approved on October 5, 2023, his card anniversary will be on October 5, 2023. Since Preferred BPI customers, by virtue of BPI’s non-promo offer, will have their annual fee waived for the first 3 years by default, they will not be charged an AMF at this time as well as on October 5, 2024 and October 5, 2025. (AMF is charged annually every card anniversary date.) 

The effectivity for the AMF Waiver based on annual spend requirement will, therefore, begin from October 5, 2025 until October 4, 2026. If the customer meets the annual spend requirement based on their card variant, then they will receive an AMF Waiver and don’t need to pay their AMF on the cycle of October 5, 2026.

The following year, the spend period will be from October 5, 2026 until October 4, 2027. If they meet the annual spend requirement, the customer will not need to pay the AMF on October 5, 2027. This will occur annually.

 

5. Spend requirement to qualify for the AMF recurring waiver:

Eligible Credit Cards

Annual Spend Requirement

BPI Rewards Card, BPI Gold Rewards Card

Php 180,000

BPI Platinum Rewards Card

Php 400,000

6. Valid transactions made by the Principal Cardholder and his/her supplementary cardholder(s) during the applicable spend period using their eligible cards will be accumulated and shall be considered as the Principal Cardholder’s total transactions under this Promo.

7. Customers who meet the annual spend requirement will be awarded an AMF Waiver. An AMF charge will appear on the statement of account and will be immediately reversed such that customers do not need to pay. The AMF reversal will automatically reflect on the following cycle’s statement of account.  

8. The AMF Waiver is not convertible to cash or in kind.

9.The Principal Credit Card of the qualified customer must be current and active at point of awarding.

10.This promotion will not apply in conjunction with any other existing bank promotion.

11. Employees of BPI are not qualified to join the Promo.

12. Each qualified Principal Cardholder may only be awarded the AMF Waiver once per annum, and only for their newly-issued BPI Credit Card and its replacements due to expiry. Should the customer choose to convert their card to another variant, they will forfeit their AMF Waiver.

13. In case a customer applied for multiple Credit Cards within the same day or within the same month, only one card will be eligible for the AMF waiver, based on the card hierarchy below:

  • BPI Platinum Rewards Card
  • BPI Gold Rewards Card
  • BPI Rewards Card

14. Converted, upgraded, or change in the card type approved will disqualify the cardholder from receiving the AMF Waiver.

15. In case of dispute pertaining to the Promo including, but not limited to, the cardholder’s eligibility, coverage dates, fulfillment, etc., BPI’s decision will prevail with the concurrence of DTI. Any and all questions or disputes regarding the AMF Waiver received under this promotion must be raised within 30 days from the date of receipt of the said AMF Waiver.

16.The terms and conditions governing the issuance and use of the BPI Credit Card shall form part hereof and are deemed incorporated herein by reference. 

 

*With accurate/correct personal details & have submitted complete requirements.
Frequently asked questions

Read the frequently asked questions about this promo.

Customer support

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

 

Per DTI Fair Trade Permit No. FTEB-175013 Series of 2023

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