BPI Gold MasterCard and Promo

BPI Gold MasterCard Credit Cards

Interest Rate
3.40% per month
Annual fee
P2,250 First year waived
Promo & Features
  • Reward
  • Mileage
  • Shopping
Apply
Online
Inquiry
Tel
89-100
0917-8910000 (Mobile)
Mail
expressonline@bpi.com.ph
Online
Visit inquiry page
  • Free Travel insurance package for your worry free travel whenever, wherever you go all around the globe.
  • Need cash for emergencies? No problem! With BPI Gold MasterCard you can withdraw cash advance for your needs when you need them the most.
  • Earn points as you spend, the more points you earn the greater rewards you can redeem.
  • Minimum monthly income : P40,000
  • Annual Fee for Supplementary holder : P1,125 First supplementary Free for life
  • Late payment charge : 6% of outstanding amount
  • more info
User Rating 3.0 (3 Reviews)
Odette Vergara Nakakatanggap ako ng calls ilang beses sa isang buwan dahil ire-remind lang naman ang payment. Ang dami ring fees nito ...read more
Forum 1Threads (7 Replies)
Jolina Marie. B. Cabalihug ano po kaya ang mas madali sa pag apply ngcard sa bako o yung sa mga nagaabot ng flyer sa mga malla? tapos may libreng payong o ...read more

Information

Reviews

Forum

Free Travel insurance package for your worry free travel whenever, wherever you go all around the globe.

Just by purchasing your travel ticket with your BPI Gold MasterCard, Get to travel with a peace of mind knowing that you are insured up to P 10million in Travel insurance package.

Need cash for emergencies? No problem! With BPI Gold MasterCard you can withdraw cash advance for your needs when you need them the most.

With BPI Gold MasterCard theres no need to worry about emergency cash advances, you can cash advance up to 100% of your credit card limit for your emergencies in life.

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

Reward yourself with exciting reward items just by purchasing your wants or daily needs you get to earn 1 point for every P35 spent and exchange points from a ton of exciting reward items.

Basic Information

Card name

BPI Gold MasterCard

Bank

BPI

Brand

Master

Type

Premier

Fees and charges

Interest rate (per month)

3.40%  per month

Annual fee

P2,250  First year waived

Annual Fee for Supplementary holder

P1,125
First supplementary Free for life

Balance transfer Rate

12% per annum for 12 months

Minimum Payment

5% of all retail transactions plus entire Special Installment Plan amortization for the month

Credit Limit

Late payment charge

6% of outstanding amount

Cash advance limit

100% of credit card limit

Cash advance handling fee

4% of amount withdrawn or P300, whichever is higher

Cash advance interest charge

Overseas spending fee

0.75% of the foreign exchange rate at the time of transaction

Payment Channels and Fees

BPI or BPI Family Savings Bank Branches
BPI Express Teller ATM
BPI Express Phone
BPI Express Online
BPI Express Mobile
Auto-Debit Arrangement (ADA)
SM Bills Payment Counters

Installment Plan

0% interest installment scheme at partner stores

Sales Slip Retrieval Fee

P200

Replacement/Lost card fee

P400

Returned Check Fee

P100 plus 6% of the check amount

Closed Maintenance fee

25% of the unpaid amount, exclusive of litigation expenses and judicial costs

Eligibility

Minimum monthly income

P40,000

Minimum age for Principal holder

Mmust be 21 to 70 years old

Minimum age for Supplementary holder

At least 13 years old

Promo & Features

Cashback

Reward

P35 spent = 1 point
  • Earn 1 rewards point for every P35 spent
  • Points can also be used to redeem miles

Mileage

P175 spent = 1 mile
  • 5 Rewards Point is equivalent to 1 Mabuhay Miles point. The minimum points for transfer is 5,000 Rewards Points

Shopping

P35 spent = 1 point
  • Earn 1 rewards point for every P35 spent and redeem points from exciting rewards items

Transport Accident Insurance/ Travel Insurance

Get up to P 10million in Travel insurance package

Others

24/7 Customer Service through BPI Express Phone and MasterCard’s Global Service

Reviews of BPI Gold MasterCard

User Review : 3Reviews

Design 3.0
Fees & Charges 3.3
Customer service 3.3
Features 2.3
Total 3.0

Odette Vergara

Ang daming fees

Nakakatanggap ako ng calls ilang beses sa isang buwan dahil ire-remind lang naman ang payment. Ang dami ring fees ...Read more

  • Rating : 1.5
  • Date : Nov 21, 2018
  • Review by Odette Vergara

Cristine Gozon

hassle free card

sa lahat ng credit card ko ito yung reliable lagikasi never na dedecline or double charge unlike sa iba kong ...Read more

  • Rating : 3.5
  • Date : Oct 4, 2018
  • Review by Cristine Gozon

Arlene Fabello

Great card!

I considered this BPI Gold MasterCard the best card na nagkaroon ako at mas nagustuhan ko talaga ito kesa sa ibang ...Read more

  • Rating : 4.0
  • Date : Sep 22, 2018
  • Review by Arlene Fabello

Forum of BPI Gold MasterCard

Jolina Marie. B. Cabalihug

how to get card

ano po kaya ang mas madali sa pag apply ngcard sa bako o yung sa mga nagaabot ng flyer sa mga malla? tapos may libreng payong o kaya mga ballpen?

  • Last updated : Dec 6, 2018
  • Posted by Jolina Marie. B. Cabalihug
  • Replies of This topic : 7 Replies

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Information

Reviews

Forum

Overall Rating

Design 3.0
Fees & Charges 3.3
Customer service 3.3
Features 2.3
Total 3.0

Please feel free to post your review on this product.

Write a Review

Odette Vergara

  • Review by Odette Vergara
  • Nov 21, 2018
Design 3.0
Fees & Charges 1.0
Customer service 1.0
Features 1.0
Total 1.5

Ang daming fees

Nakakatanggap ako ng calls ilang beses sa isang buwan dahil ire-remind lang naman ang payment. Ang dami ring fees nito kahit na na-late ako ng isang araw, may fee agad, kahit na halimbawa bukas pa ang due date ko at nagbayad ako ngayon, late fee pa rin. Nakakainis na. At hindi pa sila nag-o-offer kahit isang increase man lang sa credit line ko na sobrang liit talaga. Malapit ko nang i-cancel ito...

Good Review

Cristine Gozon

  • Review by Cristine Gozon
  • Oct 4, 2018
Design 2.0
Fees & Charges 5.0
Customer service 5.0
Features 2.0
Total 3.5

hassle free card

sa lahat ng credit card ko ito yung reliable lagikasi never na dedecline or double charge unlike sa iba kong cards. Okay din ang operator helpful sa pag update ng info ko. I love using this card especially kasi pag may emergency kami ito ang ginagamitko at accepted siya sa lahat since Gold type siya. I hope to have a better design kasi its typical and ordinary like any other card para sa akin pwede naman siguro icustomized or ipersonalized ang cards din. No delays sa billing kaya wala ako naging problema in using the cards. Poor on features and perks lang and earning points and all.

Good Review

Arlene Fabello

  • Review by Arlene Fabello
  • Sep 22, 2018
Design 4.0
Fees & Charges 4.0
Customer service 4.0
Features 4.0
Total 4.0

Great card!

I considered this BPI Gold MasterCard the best card na nagkaroon ako at mas nagustuhan ko talaga ito kesa sa ibang credit card ko..very easy to use at yung online details ay nake-keep me updated. Mas better ito sa iba kong card in ways na very simple to deal with at walang mga hidden charges at iba pang mga fees. Talagang very useful ito for me at very helpful din. I'm so glad na nagkaroon ako ng card na ito, Inire-recommend ko ito sa iba na gustong magkaroon ng credit card.

Good Review

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Please feel free to post your questions on this product.

Start a new topic

how to get card

Jolina Marie. B. Cabalihug

  • Jolina Marie. B. Cabalihug
  • Nov 12, 2018

ano po kaya ang mas madali sa pag apply ngcard sa bako o yung sa mga nagaabot ng flyer sa mga malla? tapos may libreng payong o kaya mga ballpen?

Abel Magsino-Tonyo

  • Abel Magsino-Tonyo
  • Dec 6, 2018

Kami sa mga agents sa mall mas mabilis ma approved. three times ko na kasi na try sa agent, pero isang agent lang tapos sila nagapprove sa tatlo na banko kasi irerefer din nila ang iba, actually yung iba bibigyan ka ng tips paano ma approve kaya para sa akin sa mga agents nalang siguro third party yun at hindi talaga directa sa banko.

Good Answer

Adam Vicino

  • Adam Vicino
  • Dec 6, 2018

ako din sa agent lang din pero affiliated naman sila sa bank kasi naka uniform pa ito at may tarpaulin talaga ng banko, mas madali kasi kausap at wala pang pila pag sa banko kasi pipila ka ang daming tao tapos babalik balik ka para sa requirements pag sa agents mag submit ka lang sa email okay na mabilis wala pang isang linggo may sagot na.

Good Answer

Abel Magsino-Tonyo

  • Abel Magsino-Tonyo
  • Dec 6, 2018

sa akin din isang linggo lang approve na walang kahirap hirap basta nabigay ko lang yung kailangan ko sakanila ayun naasikaso naman nila kaagad. sa akin parang may connection kasi sa ibang banko kasi tatlong banko ang inalok niya siguro sa kaibigan niya pag may na approve ata may bonus sila.kaya nagsisipag din sila sa pag alok at pasa pasa nalang ng clients.

Good Answer

Adam Vicino

  • Adam Vicino
  • Dec 6, 2018

feeling ko nga ganun kasi inaalok din ako ng ibang banko tumanggi lang ako kasi madami na ako cards baka lumubog na ako sa utang masyado pero so far naman okay naman sila sila din ang agents nag approve sa mga ka opisina ko kaya mas mabilis nga siguro kapag sa mall kanalang din mag apply o kung saan man may ahente.

Good Answer

Carlin Cusi

  • Carlin Cusi
  • Dec 6, 2018

Ako sa bank ako nag apply hindi ko na try yung mga agents sa labas medyo wala kasi ako tiwala at naiirita ako kapag lumalapit sila sa akin masyadong makulit kaya sa banko ako nag apply malapit lang naman kasi sa amin kaya umaga palang nandoon na ako wala pang tao mabilis lang.basta mabigay mo requirements mabilis lang naman talaga ma approve.

Good Answer

Joseph Papa

  • Joseph Papa
  • Dec 6, 2018

sa totoo lang never ako na approve sa banko pero nung yung ahente nagasikaso ng application ko na approve naman ako, nababago ata nila yung info kaya na approve ako eh, mababa lang naman annual gross ko pero naapprove sa banko decline pero pasalamat pa din ako at na approve ako mlaking tulong yung may credit card kasi.

Good Answer

Andricel Anne

  • Andricel Anne
  • Dec 6, 2018

Tama kayo malaking tulong nga mag approve ng credit card pag delayed ang sahod namin sa card ko muna lahat at kapag nakuha ko na sahod ibabayad ko na diretso para wala ng interest, ako nasubukan ko dalawa banko at mall para sa akin okay sa mall kasi alam ko na safe ang mga documents ko kesa sa ahente di ko naman kilala.

Good Answer

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