BPI Signature Card review, fees and requirements
High spenders who want BPI’s top travel card. A ₱5,500 fee needs real travel or spending to earn back.
Benefits of the Signature Card
From BPI’s own card page.
- 2 BPI points for every ₱20
- Free lounge access at NAIA
- Up to ₱20 million travel accident and inconvenience cover
High spenders who want BPI’s top travel card.
A ₱5,500 fee needs real travel or spending to earn back.
What it costs
- Annual fee
- ₱5,500/yrFirst supplementary card free for life
- Supplementary card
- ₱2,750 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 ₱100,000 a month (₱1,200,000 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 Signature Card
Similar cards from other banks, and the next level up.
Premium perks at a lower annual fee than most.
- Annual fee
- ₱4,000/yr
- Income needed
- ₱65,000/mo₱780,000 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
Simple miles on everything if you fly a few times a year.
- 1 mile for every ₱30 on all purchases
- Up to ₱25 million travel coverage, medical included
Needs an existing card from another bank
- Annual fee
- ₱5,500/yrFrom listings; ask Metrobank
- Income needed
- ~₱83,300/moMetrobank
Needs another bank’s card for 9+ months with a ₱165,000+ limit.
See it on Metrobank Partly from the bank · confirm the rest · November 2026
Top-tier travel perks for very high earners.
- Annual fee
- ₱6,000/yr
- Income needed
- ~₱166,700/mo₱2,000,000 a year
Very high income rule. Most people do better with a no-fee card plus one travel card.
See it on RCBC From comparison listings · confirm with the bank · November 2026
BPI Signature Card: questions
₱5,500 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 ₱100,000 a month (₱1,200,000 a year), as published by BPI. Banks also look at your credit record and existing cards.
Usually not. Premium cards suit people with a longer credit record and a high income.
2 points per ₱20, lounge access at NAIA, ₱20M 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.