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BPI Edge Card

by Bank of the Philippine Islands

Rewards card

Quick take

Main benefit

Simple points. You earn points on every purchase — no categories to track.

Main catch

The yearly fee returns after the first year (₱1,320) unless the bank waives it.

Income needed

₱15,000/mo The bank does the final check.

Annual fee

₱1,320/yr Waived for the first year.

Apply on BPICompare

Truva may earn a fee if you apply through a partner link. This does not change your terms or our picks. Banks make the final approval decision.

Is this card for you?

Good fit if
  • You want a first credit card from a bank people recognize.
  • You want simple rewards without tracking categories.
  • You pay your balance in full each month to avoid interest.
Look elsewhere if
  • You'd rather earn straight cashback than points or miles.
  • You expect to carry a balance from month to month.
  • You want the highest rewards rate on the market.

The numbers

Earn rateBPI Rewards Point
Annual fee₱1,320/yr
Interest if unpaidStill being checked with the bank
Late payment feeStill being checked with the bank
Foreign currency markup1.85%
›More fees and details
Cash advance fee₱200
Over-limit feeStill being checked with the bank
Effective annual interestStill being checked with the bank
Fee waiverFree annual membership fee on first year

The catch

  • The yearly fee returns after the first year (₱1,320) unless the bank waives it.

Ready to decide?

Apply on BPICompare similar cards

Truva may earn a fee if you apply through a partner link. This does not change your terms or our picks. Banks make the final approval decision.

You'll finish on BPI's official site. Truva doesn't collect your application or see your details.
›What you'll need before you start
  • One valid government ID— passport, driver's license, UMID, or PhilSys.
  • Proof of income — a recent payslip, your latest ITR, or a COE with salary.
  • Proof of billing address — a utility bill or a bank statement.
  • 10–15 minutes to fill out BPI's application form.
From BPI's official page · Checked Apr 26, 2026

Truva may earn a fee if you apply through a partner link. This does not change your terms or our picks. Banks make the final approval decision.

Apply on BPICompare