BPI Gold, Edge, and Amore Credit Card Application Guide

The Ultimate Guide for First-Time Credit Card Users in the Philippines

Thinking of getting your first credit card? You’re not alone! Many Filipinos are looking for ways to manage their finances better, earn rewards, and enjoy flexible payment options. BPI offers a variety of credit cards designed for different lifestyles, and three of their most popular options are:

• BPI Gold Mastercard – Best for everyday spending and rewards
• BPI Edge Mastercard – Perfect for first-time users who want a low-maintenance card
• BPI Amore Visa Card – Great for shoppers and lifestyle perks

This guide will walk you through the requirements, application process, benefits, and tips for each card so you can choose the best one for your needs. We’ll also include a Credit Card Cost Calculator to help you estimate monthly payments and decide which card fits your budget.

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What Is a Credit Card and How Does It Work?

A credit card lets you borrow money from the bank to pay for purchases, bills, or services. Instead of using your cash, you’re using BPI’s funds and then paying it back later.

Example Scenario:
Let’s say you want to buy a ₱15,000 appliance:

• Option 1: Pay the full amount in your next bill (₱15,000, no interest).
• Option 2: Convert it into a monthly installment (may include low interest).

If you pay on time and in full, you avoid interest. But missing payments will lead to penalties and interest charges.

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Overview of BPI Gold, Edge, and Amore Credit Cards

Card	Best For	Annual Fee	Rewards	Income Requirement
BPI Gold Mastercard	Everyday spending + rewards	₱2,250 (Free 1st Year)	1 point for every ₱35 spend	₱180,000/year
BPI Edge Mastercard	First-time users, low fees	₱1,320 (Free 1st Year)	1 point for every ₱50 spend	₱180,000/year
BPI Amore Visa	Shopping + lifestyle perks	₱2,050 (Free 1st Year)	Exclusive discounts + freebies	₱180,000/year

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Eligibility & Requirements

Before applying, check if you meet the qualifications.

Basic Eligibility

• Must be 21 to 60 years old
• Must have a Philippine address
• Must have a valid government-issued ID
• Minimum annual income: ₱180,000

Required Documents

For employed applicants:

• 1 valid ID (Philippine government-issued)
• Latest payslip or Certificate of Employment
• BIR Form 2316 / ITR

For self-employed applicants:

• 1 valid ID
• DTI or SEC registration
• Audited Financial Statements or ITR

For foreign residents:

• Alien Certificate of Registration (ACR)
• Valid visa and work permit

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How to Apply for a BPI Gold, Edge, or Amore Credit Card

Applying for these cards is quick and easy:

Step 1 — Check Your Eligibility

Make sure you meet the income and document requirements.

Step 2 — Prepare Your Documents

Gather IDs, proof of income, and supporting papers.

Step 3 — Submit Your Application

• Online: Apply via BPI’s official website
• Branch: Visit any BPI branch to submit your documents

Step 4 — Wait for Approval

Processing usually takes 5–7 banking days.

Step 5 — Activate Your Card

Once approved, activate it via BPI Online Banking or the hotline.

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Fees and Charges

Fee Type	BPI Gold	BPI Edge	BPI Amore
Annual Fee	₱2,250 (Free 1st Yr)	₱1,320 (Free 1st Yr)	₱2,050 (Free 1st Yr)
Interest Rate	3% per month	3% per month	3% per month
Cash Advance Fee	3% of amount	3% of amount	3% of amount
Late Payment Fee	₱850	₱850	₱850
Overlimit Fee	₱500	₱500	₱500
Foreign Transaction Fee	1.85%	1.85%	1.85%

💡 Tip: Use the Credit Card Cost Calculator to estimate your monthly costs and choose the right card for your budget.

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Benefits of Each BPI Credit Card

BPI Gold Mastercard

• Best for everyday spending and high rewards
• Earn 1 reward point for every ₱35 spent
• Redeem points for gift certificates, discounts, or air miles
• Travel insurance up to ₱10 million

BPI Edge Mastercard

• Perfect for first-time cardholders
• Low annual fee + free first year
• Earn 1 reward point for every ₱50 spent
• Flexible payment terms with low minimum balance

BPI Amore Visa Card

• Designed for shopaholics and lifestyle perks
• Exclusive discounts and freebies from partner malls and restaurants
• 0% installment plans on selected purchases
• Access to shopping and dining promos

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Tips for First-Time Credit Card Users

• Start small — Use your card only for small, essential purchases
• Pay in full — Avoid interest and late fees
• Track your spending — Use the BPI app to monitor usage
• Keep your utilization low — Stay below 30% of your credit limit
• Redeem points smartly — Use them for essentials or travel perks

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Common Issues and How to Avoid Them

Issue	Why It Happens	How to Avoid It
Application Denied	Low income or incomplete documents	Meet the minimum requirements and submit all documents
High Interest Fees	Paying less than the full balance	Always pay on or before due date
Overlimit Penalties	Spending beyond your credit limit	Check your available credit before purchases
Missed Payments	Forgetting due dates	Enable reminders or auto-debit payments

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TL;DR — Quick Summary

• Cards Covered: BPI Gold, Edge, and Amore
• Best For: First-time users who want flexible credit card options
• Annual Fees: Free for the first year (₱1,320 to ₱2,250 after)
• Minimum Income Requirement: ₱180,000 per year
• Top Benefits: Rewards, travel perks, installment options, and lifestyle discounts
• Pro Tip: Use the Credit Card Cost Calculator to find the right card for your budget

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FAQs

1. Which BPI credit card is best for beginners?

The BPI Edge Mastercard is best for beginners because of its low annual fee and simple rewards system.

2. Can I apply for multiple BPI credit cards at once?

Yes, but it’s better to start with one card, build a good credit history, and upgrade later.

3. How long does it take for BPI to approve my credit card?

On average, it takes 5–7 banking days, provided your documents are complete.

4. Does BPI offer 0% installment plans?

Yes! All three cards — Gold, Edge, and Amore — offer 0% installment options at partner merchants.

5. Do I need a BPI account to apply?

No, it’s not required, but having one can make the approval process faster.