BPI Gold Rewards Card review, fees and requirements
A step up from BPI Rewards with travel insurance and a higher limit. A higher limit is not more money. Keep spending to what you can pay in full.
Benefits of the Gold Rewards Card
From BPI’s own card page.
- 1 BPI point for every ₱35, points never expire
- Up to ₱10 million travel insurance when you book with the card
A step up from BPI Rewards with travel insurance and a higher limit.
A higher limit is not more money. Keep spending to what you can pay in full.
What it costs
- Annual fee
- ₱2,250/yr
- Supplementary card
- ₱1,125 a year; first one free for life
- Interest
- Up to 3% a month (BSP cap)Only if you don’t pay the full balance by the due date
- Late payment
- ₱850 or the unpaid minimum, whichever is lower
- Cash advance
- ₱200 per transactionPlus interest from day one
- Foreign currency
- Ask the bank
What BPI asks for
- Gross income of about ₱40,000 a month (₱480,000 a year)
- No existing credit card needed
- A valid government ID and proof of income (payslips, COE or BIR Form 2316; ITR if self-employed)
- Age 21 or older is the usual rule for principal cardholders; check the bank’s form
Approval is the bank’s call. Applying where your salary or savings already are helps.
Cards to compare with the Gold Rewards Card
Similar cards from other banks, and the next level up.
Points on online shopping and dining with a mid-level income rule.
- 1 point for every ₱20, points never expire
- 2× points on online, department store and dining spend
- Redeem for eGCs, miles or donations
- Annual fee
- Ask the bankWaived under a current Metrobank offer (listings); ask for the regular fee
- Income needed
- ~₱29,200/moMetrobank
The fee waiver is a promo. Ask whether it is for life or only the first year.
See it on Metrobank Partly from the bank · confirm the rest · November 2026A mid-tier card from Security Bank.
- Annual fee
- ₱2,500/yr
- Income needed
- ₱30,000/mo₱360,000 a year
Figures from a 2025 fee table; confirm with Security Bank.
See it on Security Bank From comparison listings · confirm with the bank · November 2026
Points on dining, shopping and online spend, first year free.
- 4× bonus points on online, dining, shopping and overseas spend
- 1 bonus point for every ₱20
- No annual fee the first year
- Annual fee
- ₱2,500/yrFree the first year (HSBC)
- Income needed
- ~₱33,300/moLowest income HSBC lists for a public card
From year two the annual fee applies unless you get a waiver.
See it on HSBC Partly from the bank · confirm the rest · November 2026
BPI Gold Rewards Card: questions
₱2,250 a year for the principal card. Many banks waive it if you ask, use the card regularly or redeem points.
About ₱40,000 a month (₱480,000 a year), as published by BPI. Banks also look at your credit record and existing cards.
It can be, if your income clears the rule, but most people start with a no-fee card and move up after 6 to 12 months of paying in full.
1 point per ₱35, plus ₱10M travel insurance, per BPI’s own page. Rewards only pay off if you pay the full balance every month; card interest is up to 3% a month.
How this page works. Figures come from BPI’s own pages, checked November 2026. Banks change fees and rules and decide approvals case by case, so confirm on BPI’s page before you apply. If the button above is a partner link it says so; PesoPilot may earn a fee when an application is approved, at no cost to you, and it never changes what we say about a card. Educational, not financial advice.