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BPI Gold Rewards Card
by Bank of the Philippine Islands
Mastercard networkRewards card
Quick take
Main benefit
Simple points. You earn points on every purchase — no categories to track.
Main catch
Interest is steep if you don't pay in full — about 0.03% a month.
Income needed
₱40,000/mo The bank does the final check.
Annual fee
₱2,250/yr
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 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 per Php 35 spend
Annual fee₱2,250/yr
Interest if unpaid0.03% / month
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 waiverStill being checked with the bank
The catch
- Interest is steep if you don't pay in full — about 0.03% a month.
Ready to decide?
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.