Did you know that every swipe of your BPI credit card can actually earn you rewards? For many first-time credit card users, points often feel like a hidden feature — but once you learn how to use them, you’ll realize they can pay for shopping, dining, travel, or even cashback.
In this guide, we’ll walk you step-by-step on how to redeem your BPI credit card points online, explain the benefits, and share tips so you don’t miss out on the rewards you’ve already earned.
What Are BPI Credit Card Points?
When you use your credit card, BPI gives you reward points for every peso spent. Think of it like a loyalty program — the more you use your card, the more points you collect, which you can later exchange for freebies, discounts, or even miles for travel.
Why It Matters for Beginners
Extra value – every purchase can earn you rewards.
Flexible redemption – from groceries to gadgets, or even converting points to air miles.
Encourages smart spending – if you pay your balance in full, you enjoy perks without extra cost.
Requirements Before Redeeming Points
Before you can start redeeming, make sure you:
Have an active BPI Credit Card account.
Are enrolled in BPI Online Banking or have the BPI Mobile App.
Accumulated enough points (each reward has a required points equivalent).
How to Redeem BPI Credit Card Points Online
Step 1: Log in to BPI Online or Mobile App
Open the BPI Mobile app or go to the official BPI Online website.
Enter your username and password.
Step 2: Go to “Credit Card” Section
Select your BPI Credit Card account.
Look for the “Rewards” or “Points” option.
Step 3: Browse the Rewards Catalog
You’ll see categories like shopping, dining, travel, gadgets, and vouchers.
Each item shows how many points you need to redeem.
Step 4: Choose Your Reward
Click the item you want (e.g., ₱500 supermarket voucher = 5,000 points).
Confirm your redemption.
Step 5: Wait for Confirmation
Some rewards (like e-vouchers) are delivered instantly via email/SMS.
Others (like physical items) may take a few days to process.
Types of Rewards You Can Redeem
Reward Type
Examples
Shopping Vouchers
SM, Lazada, Shopee gift cards
Dining & Food
Restaurant discounts, GrabFood vouchers
Travel
Airline miles, hotel discounts
Cashback
Points converted to cash credit
Gadgets & Lifestyle
Small appliances, electronics, accessories
Benefits of Redeeming Points Online
Convenience – no need to call hotlines or visit branches.
Instant options – e-vouchers delivered right away.
Flexibility – choose rewards that fit your lifestyle.
Savings – redeeming points helps cut down expenses on essentials.
👉 Want to know if your rewards cover your annual fee or charges? Try this Credit Card Cost Calculator to check if your points and cashback give you real savings.
Common Issues and How to Solve Them
Not enough points – continue using your card until you meet the required amount.
Expired points – check your statement; some points expire if unused.
Wrong reward redeemed – contact BPI customer service immediately.
Not enrolled in BPI Online – register first before redeeming.
Tips to Maximize Your BPI Credit Card Points
Use your card for daily essentials – groceries, bills, and gas add up quickly.
Check promos – some merchants give double points.
Redeem before expiration – don’t let your points go to waste.
Match card type to lifestyle – cashback cards for groceries, rewards cards for travel.
TL;DR (Quick Summary)
Every purchase with your BPI Credit Card earns reward points.
Redeem points easily online via BPI Online or the Mobile App.
Rewards include shopping vouchers, dining, travel, gadgets, and cashback.
Use your points before they expire to maximize savings.
Try the Credit Card Cost Calculator to see if your points really offset your costs.
FAQs
1. How many points do I need to redeem rewards? It depends — small vouchers start at around 1,000–5,000 points, while bigger items need more.
2. Do BPI credit card points expire? Yes, some points have an expiration date. Always check your monthly statement or BPI Online account.
3. Can supplementary card spending earn points? Yes, all transactions (primary + supplementary) add to the total points of the main cardholder.
4. How long does it take to receive rewards? E-vouchers are usually instant, while physical items may take days or weeks.
5. Can I convert points to cash? Yes, certain cards allow you to redeem points as cashback, credited to your account.
