Ultimate Guide to All BPI Credit Cards

Dreaming of your first credit card? Or maybe you’re curious about what BPI Credit Cards can offer compared to others? Good news: this guide is for you.

For many Filipinos, getting a credit card is a milestone — it opens doors to online shopping, travel, and easier bill payments. But for first-time users, the choices can be overwhelming. With so many BPI Credit Cards available, how do you know which one fits your lifestyle, income, and spending habits?

This Ultimate Guide will walk you through everything: what a credit card is, how it works, the different BPI cards, and tips to help you choose the right one.

What Is a Credit Card and How Does It Work?

A credit card is like borrowing money from the bank that you’ll pay back later. Instead of using cash, you swipe or tap your card, then settle the balance monthly.

If you pay the full amount, no interest is charged.
If you pay only the minimum due, interest is added to the remaining balance.
Used wisely, it helps you build credit history and financial credibility.

Why Choose a BPI Credit Card?

BPI is one of the most trusted banks in the Philippines, with cards accepted worldwide.

Key Benefits of BPI Credit Cards:

💳 Cashless convenience – safe and secure shopping online or in-store
🎁 Rewards & cashback – earn points, rebates, or discounts
✈️ Travel perks – insurance, airline points, and lounge access (higher tier cards)
📈 Financial flexibility – installment plans and balance transfers

Categories of BPI Credit Cards

BPI offers a wide selection to match different lifestyles. Let’s break them down:

1. Everyday Shopping & Essentials

BPI Blue Mastercard – Ideal for first-timers, with lower income requirement.
BPI Amore Cashback Card – Perfect for groceries, bills, and everyday purchases with cashback rewards.

2. Travel & Lifestyle

BPI Signature Card – Premium perks, higher credit limit, airport lounge access.
BPI SkyMiles Mastercard – Earn miles with every purchase for frequent travelers.

3. Rewards & Points Lovers

BPI Gold Mastercard – Bigger rewards for bigger spenders.
BPI Rewards Card – Earn points that can be redeemed for shopping and dining.

4. Specialized Cards

BPI eCredit Card – For safe and secure online transactions.
BPI Amore Visa – Comes with exclusive perks at Ayala Malls.

Requirements for BPI Credit Card Application

Before applying, make sure you meet the requirements.

General Eligibility

At least 21 years old
Filipino resident
Minimum annual income (varies per card type)
Stable source of income (employed, self-employed, or OFW)

Common Documents Needed

Valid government-issued ID
Proof of income (Payslip, COE, ITR, or business papers if self-employed)
Proof of billing (Meralco, water, or phone bill)

Step-by-Step Application Process

Step 1: Choose Your Card

Pick the one that matches your income and lifestyle.

Step 2: Prepare Your Documents

Make sure IDs and proof of income are updated.

Step 3: Apply Online or In-Branch

Online – via BPI’s official website
Branch – submit documents personally

Step 4: Wait for Processing

Approval usually takes 5–7 banking days.

Step 5: Receive Your Card

Your card will be delivered to your registered address.

Common Issues and How to Avoid Them

Problem	Reason	Solution
Application Denied	Low income or unstable employment	Start with entry-level cards
Processing Delays	Missing or incorrect documents	Double-check requirements
Low Approval Limit	New user, limited credit history	Build usage and pay on time
Denial Due to Debt	Too many loans or unpaid balances	Pay off existing debts first

Pro Tip: Calculate If You Can Afford a Card

Credit cards offer convenience, but they also come with fees, charges, and interest if not managed properly.

👉 Use the Credit Card Cost Calculator to estimate the true cost of owning a BPI credit card. This helps you avoid surprises and budget wisely.

TL;DR – Quick Summary

A credit card lets you borrow now and pay later — with perks if used responsibly.
BPI offers cards for different needs: shopping, travel, rewards, and online use.
For fast approval, prepare complete documents and apply for a card within your income range.
Always check costs using the Credit Card Cost Calculator before applying.

FAQs – BPI Credit Cards

1. What is the easiest BPI credit card to apply for?
The BPI Blue Mastercard is the most beginner-friendly with lower requirements.

2. How long does approval take?
Around 5–7 banking days, depending on verification.

3. Can I apply for more than one BPI credit card?
Yes, but start with one first to build credit history.

4. Do I need a BPI bank account to apply?
No, but having one improves your chances of approval.

5. What happens if I miss a payment?
You’ll be charged interest and late payment fees, which may affect your credit score.

Ultimate Guide to All BPI Credit Cards