Bank of Commerce MasterCard Classic and Promo

Bank of Commerce MasterCard Classic Credit Cards

Interest Rate
3.25% per month
Annual fee
P1,200 First year waived
Promo & Features
  • Reward
  • Shopping
Apply
Online
Inquiry
Tel
632-2265
Mail
customerservice@bankcom.com.ph
Online
Visit inquiry page
  • Functional everyday card best featured for you daily needs and regular expenses.
  • Earn points as you spend, the more points you earn the greater rewards you can redeem.
  • Enjoy the benefits of Bank of Commerce Credit Card features, Get secured and a peace of mind knowing that your are in good hands.
  • Minimum monthly income : P10,000
  • Annual Fee for Supplementary holder : P600
  • Late payment charge : 5% of minimum amount due or P500 whichever is higher
  • more info
User Rating 4.1 (9 Reviews)
Sandra Estrella Halos 1 year and a half ko nang ginagamit ang Bank of Commerce MasterCard Classic card na ito. Yung credit card division ...read more
Forum 4Threads (1 Replies)
malou bravo Honestly speaking po,may Bank of Commerce MasterCard Classic na ako kumuha ako noong last month kaya lang po noong nag withdraw ...read more

Information

Reviews

Forum

Functional everyday card best featured for you daily needs and regular expenses.

A credit card that features basic financial flexibity to support your basic everyday needs while providing you the privileges you deserve as a Bank of Commerce MasterCard Classic Card holder.

Earn points as you spend, the more points you earn the greater rewards you can redeem.

Earn 1 Rewards point for every P25 spent, get as much as 5x Rewards points and exchange points from a wide selection of reward merchandises jusy by purchasing or charging your expenses on your Bank of Commerce MasterCard Classic Card.

Enjoy the benefits of Bank of Commerce Credit Card features, Get secured and a peace of mind knowing that your are in good hands.

Get secured and a peace of mind, with credit card features only Bank of Commerce has to offer, like Rewards Plus, Installment Plus, Installment Convert, Balance Transfer and Dual Currency Billing for Platinum Cardholders.

Basic Information

Card name

Bank of Commerce MasterCard Classic

Bank

Bank of Commerce

Brand

Master

Type

Standard

Fees and charges

Interest rate (per month)

3.25%  per month

Annual fee

P1,200  First year waived

Annual Fee for Supplementary holder

P600

Minimum Payment

5% of total outstanding balance or P500, whichever is higher

Credit Limit

Late payment charge

5% of minimum amount due or P500 whichever is higher

Cash advance limit

Cash advance handling fee

5% of amount withdrawn or P300 whichever is higher plus P100 for over-the-counter transaction

Cash advance interest charge

3.25%

Overseas spending fee

Foreign currency will be automativally converted to peso plus currency conversion fee of 2%

Payment Channels and Fees

Bank of Commerce branches
Auto debit arrangment
Bank of Commerce bCommerce(Retail Internet Banking)

Installment Plan

Low monthly interest rates, longer payment terms or 0% interest Installment Payment Plan at all participating merchants

Sales Slip Retrieval Fee

P200 for Local purchases P300 for International purchases

Replacement/Lost card fee

P300 for Lost P200 for Damaged

Returned Check Fee

P1,000

Closed Maintenance fee

P200

Gaming Service transaction fee

3% of transaction amount

Eligibility

Minimum monthly income

P10,000

Minimum age for Principal holder

Must be between 21 to 65 Years old

Minimum age for Supplementary holder

At least 18 Years old

Promo & Features

Cashback

Reward

P25 spent = 1 point
  • Earn as much as x5 Rewards points when using the card at selected dining and shopping establishments, exchange points from a wide selection of reward merchandise

Mileage

Shopping

P25 spent = 1 point
  • 1 Rewards point for every P25 spent
  • Earn as much as x5 Rewards points when using the card at selected dining and shopping establishments, exchange points from a wide selection of reward merchandise

Reviews of Bank of Commerce MasterCard Classic

User Review : 9Reviews

Design 4.8
Fees & Charges 3.9
Customer service 3.7
Features 4.0
Total 4.1

Sandra Estrella

Sobrang poor ng custumer service nila

Halos 1 year and a half ko nang ginagamit ang Bank of Commerce MasterCard Classic card na ito. Yung credit card ...Read more

  • Rating : 2.3
  • Date : Aug 29, 2018
  • Review by Sandra Estrella

Emmie Barquila

High interest rate

Sobrang outrageous ng fees ng Bank of Commerce MasterCard Classic at ngayon ay na-stuck ako sa pagbabayad ng ...Read more

  • Rating : 2.5
  • Date : Aug 29, 2018
  • Review by Emmie Barquila

Royal

Reliable MasterCard

I've tried using this kind of an automated machine card and so far so good talaga. Maraming opportunities ang ...Read more

  • Rating : 4.5
  • Date : Aug 28, 2018
  • Review by Royal

Forum of Bank of Commerce MasterCard Classic

malou bravo

I can't remember

Honestly speaking po,may Bank of Commerce MasterCard Classic na ako kumuha ako noong last month kaya lang po noong nag withdraw ako nang pera OMG hindi ako naka withdraw dahil nakalimutan ko yong pin code ko,ask ko lang po kung pwede ko pa ba mapalitan ... Read more

  • Last updated : Jan 1, 1970
  • Posted by malou bravo
  • Replies of This topic : 0 Replies

Luther Ray

asking some opinion

Hello po,sino po sa inyo ang nakatry gumamit ng Bank of Commerce MasterCard Classic,maganda ba siyang gamitin,balak ko kasing mag apply nito para sa money savings ko para hindi ko magastos yong pera ko,masilan kasi ako sa pera kaya gusto ko mag apply ... Read more

  • Last updated : Jan 1, 1970
  • Posted by Luther Ray
  • Replies of This topic : 0 Replies

balao

Pwede po ba?

Pwde po bang mag apply sa online nang Bank of Commerce MasterCard Classic wala kasi akong time pumunta sa office ng bank busy kasi ako palagi sa opisina,may kailangan po bang fill upan sa online para makaapply gaya ng ibang mga bank cards at saka pag nka ... Read more

  • Last updated : Jan 1, 1970
  • Posted by balao
  • Replies of This topic : 0 Replies

tessie.adriano

Capability secure

Paano po ba mag-start nang apply Bank of Commerce Master Card Classic? Kasi po gusto ko sanang kumuha ng ganito, dahil kapag pumupunta ako sa ibang bansa dala-dala ko ang malaking cash, natatakot kasi ako na baka mayroong mangyari sa akin na hindi ko ... Read more

  • Last updated : Aug 15, 2018
  • Posted by tessie.adriano
  • Replies of This topic : 1 Replies

Top5 Bank of Commerce Credit Card

1

Bank of Commerce MasterCard Platinum

  • P100,000
  • 5% of minimum amount due or ...
2

Bank of Commerce MasterCard Classic

  • P10,000
  • P600
  • 5% of minimum amount due or ...
3

Bank of Commerce MasterCard Gold

  • P37,917
  • P1,250
  • 5% of minimum amount due or ...

Information

Reviews

Forum

Overall Rating

Design 4.8
Fees & Charges 3.9
Customer service 3.7
Features 4.0
Total 4.1

Please feel free to post your review on this product.

Write a Review

Sandra Estrella

  • Review by Sandra Estrella
  • Aug 29, 2018
Design 4.0
Fees & Charges 1.0
Customer service 1.0
Features 3.0
Total 2.3

Sobrang poor ng custumer service nila

Halos 1 year and a half ko nang ginagamit ang Bank of Commerce MasterCard Classic card na ito. Yung credit card division nila ay hindi updated. Yung credit charges ay mataas kumpara sa ibang credit cards. Hindi ako talaga na-satisfied sa kanilang customer service dahil sa pagiging arrogant nila at gusto ay agad-agad ang payment at ang charges ay kailangang balanced. Yung payment gateway nito ay palaging nagka-crash di tulad ng debit cards, Nagtaka rin ako dati dahil sinisingil pa ako ng surcharge para sa payment na less than 1000 pesos. Not recommended! Wag na kayong mag-apply pa ng card na ito.

Good Review

Emmie Barquila

  • Review by Emmie Barquila
  • Aug 29, 2018
Design 4.0
Fees & Charges 1.0
Customer service 3.0
Features 2.0
Total 2.5

High interest rate

Sobrang outrageous ng fees ng Bank of Commerce MasterCard Classic at ngayon ay na-stuck ako sa pagbabayad ng dalawang card at after nito ay ico-close ko na ang account ko. Alam kong malaki ang mawawala sa akin kapag na-close ko na ito dahil malaki din ang naitutulong sa akin ng card na ito kaya lang kung magbabayad naman ako ng such insane fees ay di rin naman okay para sa akin. For me, they are the worst at fault ko rin naman na di ko nabasa ang fine print. Sobra silang mag-charge ng interest rate. Binigyan naman nila ako ng pretty good na credit limit pero ang card na ito ay worst talaga kaya kelangan ko nang ma-close it out.

Good Review

Royal

  • Review by Royal
  • Aug 28, 2018
Design 5.0
Fees & Charges 4.0
Customer service 4.0
Features 5.0
Total 4.5

Reliable MasterCard

I've tried using this kind of an automated machine card and so far so good talaga. Maraming opportunities ang ibinibigay upon claiming to have it kaya ang pagkuha ko nito ay isang napaka gandang decision. Reliable din ang mastercard ko na ito kaya I also recommend it to my friends and love ones dahil na rin hindi lang ensured ang pera mo, may insurance ka pang makukuha kung saka sakali.

Good Review

dani

  • Review by dani
  • Aug 22, 2018
Design 5.0
Fees & Charges 4.0
Customer service 3.0
Features 4.0
Total 4.0

embarrassing part

Noong una eager talaga akong makakuha ng mastercard kasi easy to carry lang siya at hindi kana kailangang magbitbit pa ng pera. Gamit lang ang mastercard na ito solve kana sa anumang bibilhin mo. But one time, habang nag-go-grocery ako sa mall at nung magbabayad ako sabi ng cashier attendant hindi raw ma nag-fu-function ang atm ko even after a several attempts. The most embarrassing part of it kasi nga I rely with my mastercard hindi ako nagdala ni kahit isang kusing so I ended up na umalis nalang and I ask for the wasted time ng cashier at of course ng nasa pilang nag-grocery rin. At hindi rin siya talagang napakikinabangan kapag gusto kong bumili sa tiyangge.

Good Review

Michelle Castillo

  • Review by Michelle Castillo
  • Aug 20, 2018
Design 5.0
Fees & Charges 5.0
Customer service 5.0
Features 5.0
Total 5.0

Can be relied on

I got this Bank of Commerce MasterCard Classic for over 2 years now. At over the years, ang rate ay pareho pa rin kaya lang kapag nagpa-purchase ako lalo na kapag inabot nang medyo malaki-laki, nagre-request ako ng at least 6 months na no interest nito. At sa ngayon, very positive naman so far ang experience ko. Everytime na kailangan kong mag-purchase ng medyo malaki-laki, ginagamit ko ito para mabayaran ko nang installment at walang interes na na-a-accumulate. Super dali din ng transactions at madaling bayaran ang mga credit debts. Hindi ako nagkaka-problema sa pagiging customer ko ng card na ito. At talagang malaki ang naitulong sa akin ng card na ito over the years. I'm very thankful na merong ganito na pwedeng ma-rely on. Very easy and flexible.

Good Review

AY

  • Review by AY
  • Aug 15, 2018
Design 5.0
Fees & Charges 5.0
Customer service 4.0
Features 4.0
Total 4.5

cashless shopping

Cashless window shopping ang isa sa rason kung bakit ako nag-avail ng masterCard kasi mas convenient to use ito at if ever maka encounter ng hold-up incident, for me mas safety ang pera ko kasi hindi nila agad ma a-access ito. Pwede ko ring tawagan ang banko para e.secure ang pera ko kung sakali mawala o ninakaw ang mastercard ko.

Good Review

Sheena Villa

  • Review by Sheena Villa
  • Aug 13, 2018
Design 5.0
Fees & Charges 5.0
Customer service 4.0
Features 4.0
Total 4.5

Great as emergency back-up card

For me, Bank of Commerce MasterCard Classicis one of the best credit cards here in the Philippines, More than usual ang mga card promos nila at may card security at protection na mare-rely on nating mga card owners. Nagustuhan ko ang bank na ito dahil ang mga services nila ay personal at nakakapag-communicate ako sa kanila kapang may kailangan akong malinawan. Ang isa lang downside ay medyo matagal maka-connect sa customer service nila through phone pero once na naka-connect na ay very efficient naman at corteous ang mga customer service nila. Ginagamit ko ang card na ito for security kapag kailangan ko kaagad ng money at talagang great itong emergency back-up na card

Good Review

Gina Regalado

  • Review by Gina Regalado
  • Aug 10, 2018
Design 5.0
Fees & Charges 5.0
Customer service 5.0
Features 5.0
Total 5.0

Best Master card!

This is currently my master card at unlike with my previous card, great choice ang Bank of Commerce dahil great ang customer service nila. 3 years ko nang ginagamit ang Master card na ito at so far, wala naman akong mga naging issues against the bank. Palagi ko itong dala sa mga lakad ko at kapag nauubusan ako ng cash, ang Master card na ito ang to the rescue. Okay na okay din ang customer service dahil kapag tumatawag ako sa hotline nila ay palaging may real person na magte-take ng call.

Good Review

char

  • Review by char
  • Aug 8, 2018
Design 5.0
Fees & Charges 5.0
Customer service 4.0
Features 4.0
Total 4.5

my MASTER Card

It really stands its name as a master card kasi talaga master niya halos lahat. Napaka flexible ng kaya nitong gawin at hindi mo aakalaing sa ganito kaliit na bagay kaya makagawa ng malaki lalong lalo na sa akin. Less hassle ang pagdadala ng cash sa bulsa instead itong mastercard lang solve na kahit saan maggala kahit anong gawin ko basta kasama ko lang ang aking mastercard wala na akong po-problemahin pa.

Good Review

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Information

Reviews

Forum

Please feel free to post your questions on this product.

Start a new topic

I can't remember

malou bravo

  • malou bravo
  • Aug 30, 2018

Honestly speaking po,may Bank of Commerce MasterCard Classic na ako kumuha ako noong last month kaya lang po noong nag withdraw ako nang pera OMG hindi ako naka withdraw dahil nakalimutan ko yong pin code ko,ask ko lang po kung pwede ko pa ba mapalitan yong pin code ko kasi hindi ko na talaga maremember,sayang naman ang pera ko na nakadeposit doon kung hindi na pwedeng palitan ang pin code niya.

Reply

asking some opinion

Luther Ray

  • Luther Ray
  • Aug 28, 2018

Hello po,sino po sa inyo ang nakatry gumamit ng Bank of Commerce MasterCard Classic,maganda ba siyang gamitin,balak ko kasing mag apply nito para sa money savings ko para hindi ko magastos yong pera ko,masilan kasi ako sa pera kaya gusto ko mag apply nito,need ko lang nang opinyon sa nakagamit na nito para hindi ako mahirapan kapag mag apply na ako para dala ko na ang mga kailangang application.

Reply

Pwede po ba?

balao

  • balao
  • Aug 25, 2018

Pwde po bang mag apply sa online nang Bank of Commerce MasterCard Classic wala kasi akong time pumunta sa office ng bank busy kasi ako palagi sa opisina,may kailangan po bang fill upan sa online para makaapply gaya ng ibang mga bank cards at saka pag nka aply kana kailangan mo ba talaga pumunta sa bank office or pwede nalang ipadeliver sa house.

Reply

Capability secure

tessie.adriano

  • tessie.adriano
  • Aug 13, 2018

Paano po ba mag-start nang apply Bank of Commerce Master Card Classic? Kasi po gusto ko sanang kumuha ng ganito, dahil kapag pumupunta ako sa ibang bansa dala-dala ko ang malaking cash, natatakot kasi ako na baka mayroong mangyari sa akin na hindi ko alam..yung ibang pinuntahan kung bansa hindi naman bawal pero yung iba kasi nagpapatupad kasi ng batas na ipagbawal yung pagdadala ng malalaking pera..so gusto ko ma-secure yung pera ko kaagad para wala na akong problem.

ALFREDO tolentino

  • ALFREDO tolentino
  • Aug 15, 2018

Ang ginawa ko Sir, nag Online po ako for this card..nag research po ako kung paano ito, una kumuha nang details about this card so kinuha ko yung kanyang website para sa application http://www.bankcom.com.ph/img/Credit_Card_Application_Form_Rev011_FA__Rev01__FA__Rev02__FA_10062015[2].pdf at napakadali lang po at ngayon magaan lang kapag pumupunta ako sa ibang lugar.

Good Answer

Reply

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