BPI eCredit card and Promo

BPI eCredit card Credit Cards

Interest Rate
3.50% per month
Annual fee
Waived for life
Promo & Features
  • Reward
  • Shopping
Apply
Online
Inquiry
Tel
89-100
0917-8910000 (Mobile)
Mail
expressonline@bpi.com.ph
Online
Visit inquiry page
  • Secure Online shopping and transactions only with BPI eCredit MasterCard.
  • Power over your spending, Get 0% interest on your first bill payment as a new cardholder of BPI Express CreditCards.
  • Earn points as you spend, the more points you earn the greater rewards you can redeem.
  • Annual Fee for Supplementary holder : Waived for life
  • Late payment charge : 6% of outstanding amount
  • more info
User Rating 3.8 (4 Reviews)
Irish Villar Meron akong credit limit dati dito na mahigit 50 thousand at hindi ako nale-late kahit kelan pa sa pagbabayad sa kanila. ...read more
Forum 2Threads (7 Replies)
Richard Aran Edi ibig sabihin walang babayaran na annual fee dito? Nakalagay kasi waived for life, hindi n/a so baka may something dito

Information

Reviews

Forum

Secure Online shopping and transactions only with BPI eCredit MasterCard.

The safest and easiest way to shop, you can also attach your payments with the rest of your BPI MasterCard bills at your convinience, with BPI eCredit MasterCard get the benefits of a secured online transaction protecting you from potential online threats.

Power over your spending, Get 0% interest on your first bill payment as a new cardholder of BPI Express CreditCards.

Change the way you think about credit cards and take control of your purchases. With BPI's Power Over Spending get your first monthly bill with No interest for your purchases as a new cardholder of BPI Express CreditCards.

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 tons of exciting reward items.

Basic Information

Card name

BPI eCredit card

Bank

BPI

Brand

Master

Type

Standard

Fees and charges

Interest rate (per month)

3.50%  per month

Annual fee

Waived for life 

Annual Fee for Supplementary holder

Waived for life

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

Cash advance handling fee

Cash advance interest charge

Overseas spending fee

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

Sales Slip Retrieval Fee

P300

Replacement/Lost card fee

P400

Closed Maintenance fee

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

Eligibility

Minimum monthly income

Minimum age for Principal holder

Minimum age for Supplementary holder

Promo & Features

Cashback

Reward

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

Mileage

Shopping

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

Others

FREE as a companion card to any BPI Express Credit MasterCard (upon request)

Reviews of BPI eCredit card

User Review : 4Reviews

Design 4.3
Fees & Charges 3.8
Customer service 3.5
Features 3.8
Total 3.8

Irish Villar

So bad!

Meron akong credit limit dati dito na mahigit 50 thousand at hindi ako nale-late kahit kelan pa sa pagbabayad sa ...Read more

  • Rating : 1.5
  • Date : Aug 20, 2019
  • Review by Irish Villar

Cassandra Gray

Great card

Gusto ko ang credit card na ito dahil personal yung mga services nila at nakakapag-communicate ako regarding sa ...Read more

  • Rating : 4.8
  • Date : Feb 27, 2019
  • Review by Cassandra Gray

Lei Perez

Almost perfect na card

Okay ang standing ng BPI when it comes to banking at sa mga credit cards nila. I applied for this card and ...Read more

  • Rating : 5.0
  • Date : Nov 21, 2018
  • Review by Lei Perez

Forum of BPI eCredit card

Richard Aran

Annual fee

Edi ibig sabihin walang babayaran na annual fee dito? Nakalagay kasi waived for life, hindi n/a so baka may something dito

  • Last updated : Nov 9, 2019
  • Posted by Richard Aran
  • Replies of This topic : 3 Replies

Trevor Joe

decline nanaman

what is the fastest way na ma approve ako? may bad record kasi ako kaya siguro hindi ako na aapprove, pero yung kakilala ko may record din naman pero na approve siya? paano ba ako magkaka credit card?

  • Last updated : Jun 14, 2019
  • Posted by Trevor Joe
  • Replies of This topic : 4 Replies

Top5 BPI Credit Card

1

BPI Family Credit Card

  • P15,000
  • P500 First supplementary Free ...
2

BPI eCredit card

  • Waived for life
  • 6% of outstanding amount
3

BPI Edge MasterCard

  • P15,000
  • P660 First supplementary Free ...
  • 6% of outstanding amount
4

BPI Petron BPI MasterCard

  • P15,000
  • P775 First supplementary Free ...
  • 6% of outstanding amount
5

BPI Blue MasterCard

  • P15,000
  • P775 First supplementary Free ...
  • 6% of outstanding amount

Information

Reviews

Forum

Overall Rating

Design 4.3
Fees & Charges 3.8
Customer service 3.5
Features 3.8
Total 3.8

Please feel free to post your review on this product.

Write a Review

Irish Villar

  • Review by Irish Villar
  • Aug 20, 2019
Design 3.0
Fees & Charges 1.0
Customer service 1.0
Features 1.0
Total 1.5

So bad!

Meron akong credit limit dati dito na mahigit 50 thousand at hindi ako nale-late kahit kelan pa sa pagbabayad sa kanila. Sa credit score ko, hindi ako nagkakaroon ng balance na mahigit 3 thousand pesos. Kaya lang, napatawag ako dali-dali sa kanila dahil binabaan nila ang limit ko sa 20 thousand pesos. Nung tinanong ko kung bakit, nakakainis lang ang response nila sa akin. They are a bad company kaya ico-close ko na lang ang account ko.

Good Review

Cassandra Gray

  • Review by Cassandra Gray
  • Feb 27, 2019
Design 5.0
Fees & Charges 5.0
Customer service 4.0
Features 5.0
Total 4.8

Great card

Gusto ko ang credit card na ito dahil personal yung mga services nila at nakakapag-communicate ako regarding sa mga querries ko. Nagbabayad ako ng full amount sa katapusan ng billing cycle nila at walang charges. Maganda itong emerfency back up card. Ginagamit ko ito for security kapag kailangan ko kaagad-agad ng pera. Yung isang downside lang ay minsan ay matagal maka-connect sa customer service nila kapag tinatawagan via phone.

Good Review

Lei Perez

  • Review by Lei Perez
  • Nov 21, 2018
Design 5.0
Fees & Charges 5.0
Customer service 5.0
Features 5.0
Total 5.0

Almost perfect na card

Okay ang standing ng BPI when it comes to banking at sa mga credit cards nila. I applied for this card and luckily, na-approved naman. I expected a lot from this card talaga at na-me-meet naman nito ang expectations ko. Okay din ang customer service nila at mabilis ang response kapag nagkaka-problema ako. Kapag on time din ako magbayad ng payments ko, mas tinataasan nila ang credit limit nang mabilis. Kung naghahanap kayo ng card na mabilis mag-increase ng credit limit, ito ang perfect card for you...

Good Review

Khaye Cordero

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

A very good card

This credit card really helped me feel a lot better about myself by sa pag-allow nila na magkaroon ako ng ganitong credit card. Walang anumang hidden fees ito, madaling i-access ang website. Talagang very useful card to have it. At kapag meron naman akong mga katanungan sa kanila ay isang tawag lang sa customer service nila ay masaya na nilang sasagutin ito nang hindi mo mafe-feel na nagsasayang ka lang ng oras. This is really an amazing card!

Good Review

Page 1 of 1

  • 1

Information

Reviews

Forum

Please feel free to post your questions on this product.

Start a new topic

Annual fee

Richard Aran

  • Richard Aran
  • Jun 28, 2019

Edi ibig sabihin walang babayaran na annual fee dito? Nakalagay kasi waived for life, hindi n/a so baka may something dito

Juan Lodi

  • Juan Lodi
  • Aug 21, 2019

Baka nga libre na ito kaya waived for life pero sobrang hirap naman siguro mag qualify, hindi naman sobrang never heard yun dahil may mga mas imbang credit cards pa na meron ibang freebies din at wala din mga annual fees, pero yung qualified na monthly income naman pang milyonaryo pero malamang hindi naman ganito ito, mahirap lang siguro makakuha

Good Answer

Bryan Bondoc

  • Bryan Bondoc
  • Sep 26, 2019

Baka malaki yung requirement na minimum income? Kapag ganun kasi expected na nila na malaki din yung mga gagastosin mo every month or at least malaki yung credit sa tuwing gagamitin yung card, may specific annual credit kasi na kapag naabot ng card holder, tinatanggal na yung annual fee, halimbawa ako every month minimum gastos ko Php10,000 tapos lagi ko din nababayaran, mga ganun

Good Answer

heather tan

  • heather tan
  • Nov 9, 2019

may mga card talaga na waived ang annual fee, pero mas maganda confirm mo sa banko mo kasi baka may need na certain amount para ma quality sa pag waived ng annual fee, bihira talaga sa banko yung naka waived ang annual fee kaya mas maganda kung tanungin mo sila muna bago ka mag assume na wala itong fee

Good Answer

Reply

decline nanaman

Trevor Joe

  • Trevor Joe
  • Nov 12, 2018

what is the fastest way na ma approve ako? may bad record kasi ako kaya siguro hindi ako na aapprove, pero yung kakilala ko may record din naman pero na approve siya? paano ba ako magkaka credit card?

Grecelle Jane

  • Grecelle Jane
  • Feb 4, 2019

sabi nila mas okay kung may backer ka para mas madali ma approve, kasi yung kakilala ko sa bank nag work at sabi niya sa akin kapag may bad record ka or black listed nga kayo mahihirapan na kayo ma approve sa mga credit card, car loans, house loans at sa kahit ano pa kahit home credit din makikita din nila yun. kaya pag ganyan yung iba sa ahente humihingi ng tulong.

Good Answer

Gene Magdayao

  • Gene Magdayao
  • Apr 20, 2019

mas okay kung may previous card kana, for me mas madali ako na approve ng bagong card noon.

Good Answer

Donna Mari Anne

  • Donna Mari Anne
  • May 11, 2019

ako sa agent ako nagpatulong kaya ako na approve kaya pwede mo din itry baka matulungan ka nila sa mag application mo sa creditcard, nung una din kasi lagi ako na dedecline pagkatapos kaya nagtry ako mag agent kaya na approve naman ako sa bpi tapos sunod sunod na ako nakakuha ng card sa ibang mga banko.

Good Answer

Andrew Magsino

  • Andrew Magsino
  • Jun 14, 2019

Basta mataas ang sahod mo you have all docs to give dapat madali ka lang ma approve ng card

Good Answer

Reply

Page 1 of 1

  • 1
View Mode: PC | Mobile