Get a premium credit card for your premium lifestyle like the BPI Gold Rewards Card. Apply now and enjoy year-round perks and exclusive travel privileges!
- Rack up points from purchases you make anywhere in the world, whether online or in-store. Every ₱35 spend earns you 1 BPI Point
- With our wide selection of rewards, you can redeem your accumulated, non-expiring points for shopping credits, shopping eGCs, dining eGCs or miles, and more
- Be insured for free whenever you travel for up to ₱10 million when you book your flights using your card
- Save while you shop abroad - lowest forex conversion rate of just 1.85%
- Stretch your payment terms up to 36 months as you enjoy Real 0% Special Installment Plan (S.I.P.), Buy Now Pay Later, and additional installment limit with Bonus Madness Limit
Eligibility
Required Documents
- Regular Employee: Government-issued ID Valid TIN / SSS / GSIS or UMID number Active landline / mobile phone number: Business or residence phone number Signed Certificate of Employment
- Self-Employed: Government-issued ID Valid TIN / SSS / GSIS or UMID number Active landline / mobile phone number: Business or residence phone number Audited Financial Statements: With BIR/bank stamp
- Regular Employee: Latest 2 months payslips or ITR with bank/BIR stamp or for 1-year primary credit cardholders, a copy of your credit card statement from another bank
- Self-Employed: Latest ITR with BIR/bank stamp
Fees
Interest
Limits
Payment and Receiving Methods
Payment and Receiving Methods
Payment and Receiving Methods
Supported Payment Methods
Receiving Methods
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The BPI Gold Rewards Card is a premium option for discriminating cardholders who want to upgrade their lifestyle. Unlock year-round benefits, special travel opportunities, and a strong rewards program that transforms spending into amazing advantages like its BPI Gold Mastercard lounge access when you travel.
This card provides access to a world of benefits without compromising, and it is designed for people with a minimum BPI Gold Rewards Card income requirement of ₱480,000. You may access premium features that make your life easier and more fulfilling for ₱2,250 a year.
The BPI Gold Mastercard is ideal for luxury-seekers and regular travelers since it makes sure your money works as hard as you do. Additionally, there is no issuance charge, making it simpler than ever to begin your journey toward a more fulfilling way of life.
To maximize the rewards from your BPI Gold Rewards Card, follow these steps:
- Enroll in BPI Rewards: Ensure you're enrolled in the BPI Rewards program to start accumulating points. You can sign up through the BPI VYBE app.
- Use Your Card for Purchases: For every ₱35 spent using your BPI Gold Rewards Card, you earn 1 BPI Rewards Point. This applies to both in-store and online transactions, locally and internationally.
- Track Your Points: Monitor your accumulated points in real-time through the BPI VYBE app.
- Redeem Your Points: Once you've accumulated enough points, redeem them for a variety of rewards, including shopping credits, dining vouchers, airline miles, and gift certificates from various partners. Redemptions can be conveniently made through the BPI VYBE app.
- Leverage Additional Benefits: Utilize other card perks, such as free travel insurance coverage of up to ₱10 million when you book flights using your card, and enjoy one of the lowest foreign transaction service fees of just 1.85% when shopping abroad.
Find a card that supports your objectives. Apply now for the BPI Gold Rewards Mastercard and start enjoying the benefits of a high-end lifestyle.
Security Bank Gold Mastercard
UnionBank Cash Back Visa Platinum Credit Card
- Earn up to 6% never-expiring cash back on groceries
- Earn up to 2% never-expiring cash back on Meralco bill payments
- Earn up to 0.20% never-expiring cash back on all other purchases
- Save us much as ₱15,000 per year
- Ideal for individuals looking to maximize savings on everyday essentials
BPI Edge Card
Frequently asked questions
With the BPI Gold Rewards Card, you earn 1 BPI Point for every ₱35 spent on purchases. These points can be redeemed for a variety of rewards, including shopping credits, dining vouchers, gift certificates, and airline miles.
To redeem your points:
Via the Vybe App: Log in to the Vybe app, tap "BPI Rewards" to access the dashboard, select your desired reward, and tap "Redeem reward."
To be eligible for the BPI Gold Rewards Card, you must:
Age: Be at least 21 years old.
Income: Have a minimum annual income of ₱480,000.
Residency: Be a Filipino citizen or a resident foreigner with a valid Philippine address.
Documents: Provide one (1) photo-bearing and unexpired identification document (front and back copy), such as a government-issued ID or company ID issued by private entities registered with BSP, SEC, or IC.
Proof of Income: Submit proof of income or a copy of your credit card statement from another bank.
The BPI Gold Rewards Card has the following fees:
Annual Fee: ₱2,250 for the principal card.
Supplementary Card Annual Fee: ₱1,125 per card.
Late Payment Fee: ₱850 or the unpaid minimum amount due, whichever is lower.
Cash Advance Fee: ₱200 or 2% of the amount withdrawn, whichever is higher.
Foreign Transaction Fee: 1.85% of the converted transaction amount, which is one of the lowest rates available.
Beyond earning rewards points, the BPI Gold Rewards Card provides:
Travel Insurance: Complimentary travel insurance coverage of up to ₱10 million when you charge your travel fare to the card.
Flexible Payment Terms: Options to convert large purchases into installment plans with terms up to 36 months, including Real 0% Special Installment Plan (S.I.P.) and Buy Now Pay Later options.
Exclusive Deals: Access to travel, shopping, and dining deals, with discounts and freebies available via the Oh My Deals! App.
Cash Access: Ability to convert your credit limit to cash and pay it in installments up to 36 months, as well as cash advance options allowing withdrawals of up to 70% of your available credit limit.
The credit limit for the BPI Gold Rewards Card is determined based on an individual's financial profile, including factors such as income, credit history, and overall creditworthiness.
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