BPI Rewards Card review, fees and requirements
BPI payroll or savings clients: your bank already knows you. It has an annual fee. Ask for a waiver after the first year, or redeem points for it.
Benefits of the Rewards Card
From BPI’s own card page.
- 1 BPI point for every ₱35, points never expire
- Redeem for shopping credits, gift vouchers or airline miles
- Track and redeem points in the Vybe app
BPI payroll or savings clients: your bank already knows you.
It has an annual fee. Ask for a waiver after the first year, or redeem points for it.
What it costs
- Annual fee
- ₱1,550/yrFirst supplementary card free for life
- Supplementary card
- ₱775 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 ₱20,000 a month (₱240,000 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 Rewards Card
Similar cards from other banks, and the next level up.
A simple RCBC starter with a modest fee and the first year free.
- First year membership fee waived
- Rewards points on every spend
- Annual fee
- ₱1,500/yrRCBC fee schedule; RCBC waives the first year
- Income needed
- ~₱20,800/moFrom listings; ask RCBC
Confirm the income rule with RCBC; comparison sites list different figures.
See it on RCBC Partly from the bank · confirm the rest · November 2026The lowest income rule we found, and no annual fee ever.
- No annual fee for life, supplementary cards too (PNB fee table)
- Annual fee
- No annual feeFree for life (PNB fee table)
- Income needed
- ₱10,000/moPNB application form
Few rewards. It is a card for building history, and a good backup card later.
See it on PNB From the bank’s own pages · November 2026A no-fee first card from a bank with a strong app.
- Annual fee
- No annual feeNo annual fee
- Income needed
- ₱15,000/mo₱180,000 a year
Check the current fee and perks on UnionBank’s page; promos change.
See it on UnionBank From comparison listings · confirm with the bank · November 2026
BPI Rewards Card: questions
₱1,550 a year for the principal card (First supplementary card free for life). Many banks waive it if you ask, use the card regularly or redeem points.
About ₱20,000 a month (₱240,000 a year), as published by BPI. Banks also look at your credit record and existing cards.
Yes. It is a starter card, and applying where you already bank helps.
1 BPI point for every ₱35, non-expiring, 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.