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BPI Signature Card

by Bank of the Philippine Islands

Visa networkRewards 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 (₱5,500) unless the bank waives it.

Income needed

₱100,000/mo The bank does the final check.

Annual fee

₱5,500/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 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 earn below ₱100,000 a month.

The numbers

Earn rate2 pts / ₱20
Annual fee₱5,500/yr
Interest if unpaid3.00% / month
Late payment fee₱850
Foreign currency markup1.85%
›More fees and details
Cash advance fee3.00% finance charge + ₱200 flat fee
Fee waiverCardholders can redeem 110,000 BPI Rewards Points for a full annual fee waiver, or 55,000 BPI Rewards Points for a 50% (half) annual fee waiver. A spend-based waiver promo was also available (Swipe & Save for Life, Oct 2025 – Jan 2026, ended). The Back-to-Back Perks promo (Mar–Jun 2026) lists 'Not Applicable' for a spend-based waiver, indicating no standard ongoing spend waiver.

The catch

  • The yearly fee returns after the first year (₱5,500) unless the bank waives it.
  • Interest is steep if you don't pay in full — about 3.00% a month.

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 Jun 3, 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