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bpi credit card online types of bpi credit card bpi credit card hotline bpi credit card delivery bpi credit card promo bpi credit card application bpi credit card application status bpi credit card requirements

The Bank of the Philippine Islands, better known as BPI, is one of the largest, most profitable banks in the country.


Whether it’s your first credit card or not, applying for a BPI credit card is always a good decision. Aside from being reputable and reliable, they are also known for giving out exciting rewards and programs to their loyal cardholders.

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So, if you’re planning to get a card, we can help you choose the right BPI credit card for you. Here's the list of BPI Credit Card available for online application:


BPI Visa Signature Card

Experience the best of what the world has to offer with the card that complements your Signature lifestyle.

Pros
  • Earn points faster! Php 20 spend = 1 Real Thrills Rewards Premium point
  • 50% off Signature deals year round
  • Special rates on foreign currencies
  • Free travel insurance up to Php 20 Mn
  • 24/7 Visa Worldwide Concierge
  • Exclusive Visa Global Services
  • Low forex conversion rate of 1.85%
  • Free membership to Ayala Rewards Circle
  • Free Global Airport Lounge Access (coming soon)
  • Free Annual Membership Fee for 3 years for Preferred Clients



BPI Platinum Rewards Mastercard

Elevate to a platinum rewards experience like no other.

Pros 
  • Php 30 local spend or Php 20 spend on any foreign transaction online and abroad = 1 Real Thrills Rewards Premium point
  • All-year-round Real 0% Installment on airline tickets up to 6 months
  • Free Priority Pass membership for global airport lounge access, with up to 4 free passes
  • Free travel insurance of up to Php 10 Mn
  • Purchase Protection up to 180 days
  • Access to Mastercard® Travel and Lifestyle Services


BPI Family Credit Card

This BPI card is designed for those who do not want to deal with high annual fees as this card offers lower fee compared to its counterparts. Its affordable fees make it easier for people to manage cards.

Pros
  • Low finance charge
  • Zero monthly installment feature

Cons
  • Limited cash advance
  • Annual fee waived for the first year only



BPI Amore Visa

BPI Amore Visa allows you to avail members only mall perks and privileges. Plus, you can enjoy up to 4% rebates to any participating Ayala Malls.

Pros
  • Exclusive rewards from Ayala Malls
  • Cinema tickets discount

Cons
  • Most of its benefits revolve around shopping and may not suit other preferences
  • High-interest rate of 3.50%




BPI Amore Visa Platinum

If you are looking for a card that enables you to avail several shopping rewards, BPI Amore Visa Platinum is the right card for you. Earn cash rebates every time you shop using this card.

Pros
  • Unlimited shopping perks and privileges
  • Cash rebates up to 4%

Cons
  • High annual fee of P5,000
  • High monthly income requirement: P200,000



BPI Edge Mastercard

Upgrade your style with BPI Edge Mastercard. This card provides you with several discounts and freebies from your favorite stores.

Pros
  • A low annual fee of P1,320
  • Low monthly income requirement: P15,000

Cons
  • High-interest rate of 3.50%



HELPFUL ITEMS YOU CAN USE TO SAVE MONEY!

Here's my list of useful items for you to save or earn money wisely:

Shopee is my go-to app for things I needed like the ones above. If you'd like discounts and vouchers, you may get the best offers here:

BPI Blue Mastercard

Looking for a card that you can use across the globe? Opt for BPI Blue Mastercard. Its reward system will let you fly to your dream destination.

Pros
  • A low annual fee of P1,550
  • Free travel insurance up to P2M

Cons
  • Limited cash advance
  • Only first supplementary cardholders have waived annual fee for life



BPI Gold Mastercard

BPI Gold Mastercard is the ideal card for those who want to maximize the cash advance feature. Plus, this card allows you to earn rewards for every purchase.

Pros
100% cash advance of your limit
Free travel insurance up to P10M

Cons
  • High-interest rate of 3.50%
  • High minimum monthly income requirement: P40,000



Petron – BPi Mastercard

Especially designed for motorists, Petron – BPI Mastercard rewards its cardholders with free full tank every year and exclusive privileges at Petron stations.

Pros
  • A fuel rebates
  • Discounts at participating Petron stations

Cons
  • High finance charge of 3.50%
  • Most features cater for motorists and may not suit another lifestyle



BPI SkyMiles Mastercard

Created for travelers, BPI SkyMiles Mastercard enables its cardholers to earn miles every time they spend.

Pros
  • Free travel insurance up to 10M
  • Non-expiry SkyMiles points

Cons
  • High-interest rate of 3.50%



BPI SkyMiles Platinum Mastercard

BPI SkyMiles Platinum Mastercard is the best option for those frequent flyers as this card provides double miles for every spend on Delta Air Lines.

Pros
Earn miles for every spend
Get free travel insurance up to P20M

Cons
  • High annual fee of P5,000
  •  High minimum annual income of P1M



Extension Card: BPI eCredit

The BPI Credit MasterCards come with free extension upon request. Those who would opt for the free BPI eCredit companion card will have more security for online payments. It has its own set of a lower credit limit, and a different card number to avoid fraud. It also comes with free for life annual fee.



BPI Credit Card Eligibility

Check your eligibility. Make sure you meet BPI’s cardholder qualifications and have their document requirements available.
  • Valid age for applicants is between 21 to 60 years old
  • Applicants must meet the minimum monthly income requirements for the following BPI credit cards. Over time, commissions, or service fees are not included:
    • P15,000 — BPI Blue Mastercard, Petron-BPI Mastercard, BPI SkyMiles Mastercard, BPI Amore Visa Card, and BPI Edge Mastercard
    • P40,000 — BPI Gold MasterCard
    • P80,000 — BPI Amore Visa Platinum Card, BPI SkyMiles Platinum Mastercard
    • P30,000 — OFWs and Self-employed

  • Residence or business contact number

For list of requirements for BPI Credit Card Application, visit BPI CREDIT CARD REQUIREMENTS.


Acknowledgement: This article is sponsored by Usapang Hanapbuhay.

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BPI Credit Card Rates and Fees Comparison, Pros and Cons and Eligibility


Credit cards have become an essential financial tool for many Filipinos, offering convenience, flexibility, and various benefits.



While some credit cards come with annual fees, there are plenty of options available in the Philippines that offer all the perks without the extra cost.

In this guide, we will introduce you to five credit cards with no annual fees, allowing you to enjoy the advantages of credit cards without the worry of additional charges.

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BDO ShopMore Mastercard


The BDO ShopMore Mastercard is a popular choice among Filipinos, especially for shoppers who frequent SM malls.

This credit card offers zero annual fees and rewards you with shopping points for every purchase you make. These points can be redeemed for discounts and freebies at SM-affiliated stores. Plus, it provides exclusive discounts and offers at partner establishments.




Citi Simplicity+ Card

Citi Simplicity+ Card is designed for those who prefer straightforward and hassle-free credit card use. With no annual fees, late payment charges, and over-limit fees, it's one of the most user-friendly options available.

Cardholders can also enjoy 10% interest back on their payments made on or before the due date.



Security Bank Classic Rewards Mastercard

Security Bank's Classic Rewards Mastercard is an excellent choice for people looking to earn rewards without the burden of annual fees.

Cardholders earn reward points for every purchase, which can be redeemed for various items, vouchers, or even converted to cash credits. This card also provides perks like discounts at partner merchants and exclusive privileges.




EastWest Bank Classic Visa/Mastercard

The EastWest Bank Classic Visa/Mastercard offers no annual fee for life. It's a versatile card suitable for everyday transactions, offering competitive interest rates on purchases and cash advances.

Cardholders can also enjoy exclusive discounts, installment plans, and various promos at partner establishments.



ATTRACTIONS TO SEE IN MANILA 

Klook.com

HSBC Red Mastercard

The HSBC Red Mastercard is an excellent choice for frequent travelers and diners. While it doesn't charge an annual fee, it provides a host of travel and dining privileges, including discounts at select restaurants and exclusive travel offers.

Cardholders can also earn reward points that can be used for various redemption options.



ACTIVITIES AND TOURS IN MANILA

In the Philippines, having a credit card can be a convenient and rewarding financial tool, but the annual fees associated with many cards can be a concern. Fortunately, there are several credit cards available that offer the benefits of credit card ownership without the added cost of annual fees.

Whether you're a frequent shopper, traveler, or simply looking for a no-nonsense credit card, these options provide various perks, rewards, and exclusive privileges, all while keeping your financial commitments hassle-free.

Be sure to carefully review the terms and conditions of each card and choose the one that aligns with your spending habits and lifestyle.

If you are looking for low-interest loans, here's my list of Personal Loans With the Lowest Interest Rates in the Philippines.

5 Credit Cards with No Annual Fees in the Philippines


In the Philippines, choosing the right credit card can greatly enhance your financial flexibility, offer exciting perks, and even help you save money. With a lot of options available, selecting the best credit card tailored to your needs is essential.



In this guide, we present a curated list of the five best credit cards in the Philippines, each with its unique set of features and benefits.

Also check my list of Top Digital Savings Banks in the Philippines

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BPI Blue Mastercard

The BPI Blue Mastercard is an excellent choice for those looking for a straightforward credit card that covers the essentials. It offers competitive interest rates and no annual fees for life, making it a cost-effective option.

Cardholders also enjoy exclusive discounts and privileges at partner establishments, making it a great card for everyday use.




Citi Cash Back Card

The Citi Cash Back Card is designed for savvy shoppers and diners. With this card, you can enjoy up to 6% cashback on supermarket purchases and 2% cashback on Meralco bill payments. It also provides discounts at partner restaurants and shops.

The card comes with a reasonable annual fee and offers valuable perks for those who frequently spend on groceries and dining.



RCBC Bankard Visa Platinum

The RCBC Bankard Visa Platinum caters to travelers and those with a taste for luxury. Cardholders enjoy complimentary airport lounge access, travel insurance coverage, and exclusive travel and lifestyle privileges.

This card also provides rewards points for every spend, which can be redeemed for flights, hotel stays, or merchandise. It's an excellent choice for those who love to travel in style.




HSBC Red Mastercard

The HSBC Red Mastercard is perfect for young professionals and frequent travelers. It offers cash rebates on fuel, dining, and groceries, making it a practical choice for daily expenses.

Cardholders also enjoy discounts on shopping, dining, and travel bookings. Plus, the HSBC Red Mastercard has no annual fees, providing great value for money.



ATTRACTIONS TO SEE IN MANILA 

Klook.com

Metrobank Peso Platinum Mastercard

The Metrobank Peso Platinum Mastercard is a top-tier credit card for those who seek exclusivity and premium benefits. It offers a wide range of perks, including access to airport lounges, travel insurance, and privileges at luxury hotels and resorts.

Cardholders also earn rewards points for every transaction, which can be redeemed for various items, including airline tickets and gadgets. While it comes with a higher annual fee, the premium benefits make it a worthwhile choice for frequent travelers and high-spenders.



ACTIVITIES AND TOURS IN MANILA

Selecting the best credit card in the Philippines depends on your individual lifestyle, spending habits, and financial goals. Each of the five credit cards mentioned here offers unique advantages, from cashback rewards to travel perks and exclusive privileges.

Before applying for any credit card, carefully consider your financial needs and assess which card aligns best with your lifestyle. Remember to use your credit card responsibly to maximize its benefits and maintain your financial well-being.

5 Best Credit Cards in the Philippines


If you’re looking for credit cards with no annual fees, no penalty charges, and simple, smart features, UnionBank’s U Visa Platinum and U Platinum Mastercard are two of the most beginner- and budget-friendly options in the Philippines.



This guide will walk you through how to apply, what makes each card unique, and how to choose the right one for your lifestyle.


Quick Comparison: U Visa Platinum vs. U Platinum Mastercard

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Both cards have identical core features, with the main difference being the card network (Visa vs. Mastercard).


The better choice depends on where you usually shop or pay bills.




Features

Whether you choose the U Visa Platinum or the U Platinum Mastercard, you’ll enjoy the following benefits:


🏆 No Annual Fees – Ever


You’ll never pay a single peso in annual membership fees, making these ideal for long-term use with minimal maintenance costs.


🚫 No Penalty Charges


Forget about surprise charges. These cards do not charge late payment or over-limit fees, helping you stay in control even if you miss a payment.


💸 10% Rebate on Interest Charges


If you occasionally carry a balance, you’ll get 10% back on the interest you pay — a rare perk that reduces your borrowing cost.


📆 Flexible Payment Terms


Up to 36 months 0% installment at partner merchants

Up to 50-day grace period before interest applies

Minimum payment option as low as 4% of total amount due


📱 Digital-First Convenience


Instant access via UnionBank Online app

Virtual card available while waiting for physical card

Tap-to-pay for fast, secure in-store transactions



Which One Should You Choose?


In terms of functionality, both are excellent starter or everyday cards. Your choice may come down to merchant preference, network loyalty, or just personal branding.




How to Apply for a U Visa Platinum or U Platinum Mastercard


✅ Eligibility Requirements


Age: 18–70 years old

Residency: Must reside in the Philippines

Valid ID: Government-issued ID (e.g., UMID, Driver’s License, Passport)

Proof of Income:

  • Payslips (last 3 months), or

  • Latest ITR/Form 2316, or

  • Certificate of Employment

Optional: Existing bank or credit card statement

Tip: Having a UnionBank payroll or savings account can speed up approval.



Application Steps (Online)



2. Choose U Visa Platinum or U Platinum Mastercard

3. Click Apply Now

4. Fill out the online application form

5. Upload required documents

6. Submit and wait for approval (can be instant or within 1–3 days)

Once approved, you can activate and start using your virtual card immediately via the UnionBank app.




What to Expect After You Apply


Approval Time: Instantly to 3 business days

Card Delivery: 3–7 business days in Metro Manila; longer in provinces

Virtual Card Access: Usually same day upon approval


Image from Reddit

Pro Tips for Approval


Make sure your submitted documents are clear and complete

If you're employed, use your most recent payslips or COE

Maintain a good credit history or avoid simultaneous credit applications

Use an email and mobile number linked to a UnionBank account for faster validation



Watch for Promo Offers


UnionBank occasionally runs promotions for new applicants — sometimes offering:

  • Free gadgets (AirPods, speakers, smartwatches)

  • ₱4,000–₱8,000 cash credits

  • Vouchers from Lazada, Shopee, or Grab

Check trusted partner sites like Moneymax, GoRewards, or UnionBank’s official channels for the latest offers.



Final Thoughts



✅ Both cards are:

  • Worry-free

  • Maintenance-free

  • Beginner-friendly

  • Packed with just enough perks to make everyday spending smarter




How to Apply and Get Approved for UnionBank U Credit Card (U Visa Platinum vs U Platinum Mastercard)

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Looking for a place to eat in TriNoma? Here's a list for you!



You are out for lunch or dinner with your family or friends and going for a shopping in Quezon City. Good news! Ayala Malls TriNoma houses a ton of restaurants you can choose from.

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Here are my top restaurant choices in Ayala Malls TriNoma:

SHRIMP BUCKET

Shrimp Bucket TriNoma

Shrimp Bucket serves up good shrimps, crabs, and mussels in signature sauces that will definitely give you a one-of-a-kind dining experience.

Location: Level 4, TriNoma
Opening Hours: Mall Hours
Payment Option: Cash, Card Payments (Visa or Mastercard)
Delivery Available on: Zing, foodpanda, GrabFood



YAKIMIX

Yakimix TriNoma

Yakimix is an eat-all-you-can Japanese/Korean/Chinese restaurant specializing in sushi and smokeless grilling.

Location: Level 1, TriNoma
Opening Hours: Mall Hours
Payment Option: Cash, Card Payments (Visa or Mastercard)
Delivery Available on: Zing



POPEYES LOUISIANA KITCHEN

Popeyes TriNoma

For fried chicken lover like me, this one is a must try! Popeyes Louisiana Kitchen is home the famous New Orleans style fried chicken and other hearty regional items. It first set up shop in 1972.

Location: Level 1, TriNoma
Opening Hours: MON,TUE,WED,THU 10:00 - 21:00, FRI,SAT,SUN 10:00 - 22:00
Payment Option: Cash, GCash, Maya
Delivery Available on: Zing, foodpanda, GrabFood



RAMEN NAGI / TENDON AKIMITSU

Ramen Nagi TriNoma

Ramen Nagi is famous for its authentic Japanese Ramen, while Tendon Akimitsu serves expertly cooked Japanese dishes to satisfy the Filipino palate.

Location: Level 1, TriNoma
Opening Hours: MON,TUE,WED,THU 10:00 - 21:00, FRI,SAT,SUN 10:00 - 22:00
Payment Option: Cash, GCash, Maya
Delivery Available on: Zing, foodpanda
Tel Number: 02-79015898



RECIPES

Recipes TriNoma

Dine on Recipes' home-style Filipino and Asian dishes. Try their best-selling General's Chicken, Kare Kare, Stuffed Pechay, and more.

Location: Level 2, TriNoma
Opening Hours: MON,TUE,WED,THU 10:00 - 21:00, FRI,SAT,SUN 10:00 - 22:00
Payment Option: Cash



HOKKAIDO RAMEN SANTOUKA

Hokkaido Ramen Santouka

Hokkaido Ramen Santouka, one of the best ramen franchises from Japan, brings the legendary Hokkaido Ramen to Manila.

Location: Level 4, TriNoma
Opening Hours: MON,TUE,WED,THU 10:00 - 21:00, FRI,SAT,SUN 10:00 - 22:00
Payment Option: Cash, GCash, Maya, Card Payments (Visa or Mastercard)
Delivery Available on: Zing, GrabFood
Mobile Number: 09152939417



MANAM

Manam TriNoma

Manam specializes in Filipino food like crispy sisig and sinigang, whether classic or with a twist, highly rated by food and travel websites.

Location: Ground Level, TriNoma
Opening Hours: Mall Hours
Payment Option: Cash, GCash, Maya, Card Payments (Visa or Mastercard)
Delivery Available on: Zing, foodpanda, GrabFood

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RACKS

If you're craving for flame-grilled ribs with fall-off-the-bone goodness, head over to Racks and share the experience with family and friends.

Location: Level 2, TriNoma
Opening Hours: Mall Hours
Payment Option: Cash, GCash, Maya, Card Payments (Visa or Mastercard)
Delivery Available on: Zing, foodpanda, GrabFood
Tel Number: 02-77180926



TACO BELL

Taco Bell TriNoma

Taco Bell is a Mexican-inspired fastfood chain which caters to taco and burrito lovers.

Location: Level 2, TriNoma
Opening Hours: Mall Hours
Payment Option: Cash, GCash, Maya
Delivery Available on: Zing, foodpanda, GrabFood
Tel Number: 02-79013634



ROMANTIC BABOY

Romantic Baboy TriNoma

Romantic Baboy brings your palate on a trip to Korea to get a taste of authentic samgyupsal.

Location: Ground Level, TriNoma
Opening Hours: Mall Hours
Payment Option: Cash
Delivery Available on: foodpanda



MANGO TREE BISTRO

Delight your tastebuds with a trip to Thailand at Mango Tree Bistro, a family-owned business that blends traditional flavors with modern flare.

Location: Level 3, TriNoma
Opening Hours: Mall Hours
Payment Option: Cash, GCash, Card Payments (Visa or Mastercard)
Delivery Available on: Zing, GrabFood
Tel Number: 02-79160297


KATSU SORA

Katsu Sora

Katsu Sora has perfected the art of making tonkatsu, a favorite Japanese dish made of premium pork meat. Katsu Sora's tonkatsu is made from four kinds of world-class pork: Iberico, Kurobuta, Simofuri, and Sakura.

Location: Level 4, TriNoma
Opening Hours: Mall Hours
Payment Option: Cash, GCash, Maya, Card Payments (Visa or Mastercard)
Delivery Available on: Zing
Tel Number: 02-77180159



BOTEJYU

Botejyu is the place to go to for authentic traditional Japanese cuisine. Try their famous Okosoba and their best-selling Okonomiyaki.

Location: Ground Level, TriNoma
Opening Hours: Mall Hours
Payment Option: Cash, GCash, Maya, Card Payments (Visa or Mastercard)
Available on Zing: Yes



BIGOLI

Bigoli TriNoma

Restorante Bigoli offers Italian fastfood without compromising on the quality. Great taste without emptying your wallet.

Location: Level 4, TriNoma
Opening Hours: Mall Hours
Payment Option: Cash, GCash, Maya
Delivery Available on: Zing, foodpanda, GrabFood



MODERN SHANGHAI

Modern Shanhai TriNoma

Modern Shanghai provides dishes inspired by cuisine from Beijing, Sichuan, and Shanghai. Dine on xiao long bao, buns, dumplings, hotpot, and more.

Location: Level 4, TriNoma
Opening Hours: Mall Hours
Payment Option: Cash, Card Payments (Visa or Mastercard)
Delivery Available on: Zing, foodpanda



ATTRACTIONS TO SEE IN MANILA 

Klook.com

SHI LIN

Shi Lin TriNoma

Shi Lin offers Taiwanese comfort food from dimsum, congee, noodle soups, topped rice bowls & desserts. The bestsellers are the Xiao Long Bao, Braised Beef Noodle Soup and Shi Lin Fried Chicken.

Location: Level 4, TriNoma
Opening Hours: Mall Hours
Payment Option: Cash, GCash, Maya
Delivery Available on: Zing, foodpanda, GrabFood



HANAMARUKEN

Hanamaruken TriNoma

Starting in 1982 in Osaka, Hanamaruken is known for their slow-braised soft bone pork rib topped Signature Happiness Ramen.

Location: Level 2, TriNoma
Opening Hours: Mall Hours
Payment Option: Cash, GCash, Maya, Card Payments (Visa or Mastercard)
Delivery Available on: Zing, foodpanda, GrabFood



MANN HANN

Mann Hann's broad Eastern menu covers various Asian soup, seafood, and meat options.

Location: Level 1, TriNoma
Opening Hours: Mall Hours
Payment Option: Cash, GCash, Maya, Card Payments (Visa or Mastercard)
Delivery Available on: Zing, GrabFood



PEPPER LUNCH

Pepper Lunch is a Japanese concept restaurant with a DIY fast-steak-style menu.

Location: Level 2, TriNoma
Opening Hours: Mall Hours
Payment Option: Cash, Card Payments (Visa or Mastercard)
Delivery Available on: Zing



SHOU LA MIEN HAND-PULLED NOODLES

At Shou La Mien, enjoy hand-pulled noodles just like the way they do it in authentic Chinese restaurants.

Location: Level 2, TriNoma
Opening Hours: Mall Hours
Payment Option: Cash, GCash, Maya
Available on Zing: Yes


Here you go, your 20+ restaurants and cafes in TriNoma! You can check the lists below for your next food trip:


Planning a staycation in Quezon City?

Check out my favorite hotels below:


ACTIVITIES AND TOURS IN MANILA




IMPORTANT NOTE: The rates, contact details and other information indicated in this post are accurate from the time of writing but may change without IMFWJ's notice. Should you know the updated information, please let us know by leaving a message in the comment box below.

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WHERE TO STAY IN QUEZON CITY:
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20+ Must-Try Restaurants in Ayala Malls TriNoma (Available on Zing Mall, Too!)

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