Bank of Commerce MasterCard Gold and Promo

Bank of Commerce MasterCard Gold Credit Cards

Interest Rate
3.25% per month
Annual fee
P2,500 First year waived
Promo & Features
  • Reward
  • Shopping
Apply
Online
Inquiry
Tel
632-2265
Mail
customerservice@bankcom.com.ph
Online
Visit inquiry page
  • Reward yourself with a card that takes you further, higher spending limits at your disposal.
  • Earn points as you spend, the more points you earn the greater rewards you can redeem.
  • Low interest rates, o% interest rates on installments or easy monthly payment option, all of these convinient payments schemes for your financial flexibility.
  • Minimum monthly income : P37,917
  • Annual Fee for Supplementary holder : P1,250
  • Late payment charge : 5% of minimum amount due or P500 whichever is higher
  • more info
User Rating 3.4 (5 Reviews)
Shyrell Rose Orcine 6 months na akong customer ng Bank of Commerce MasterCard Gold credit card na ito. Yung credit limit na ini-offer nila ay ...read more
Forum 4Threads (1 Replies)
jhonny silverio Hello Good Morning po,ask ko lang po kung may promo ba itong Bank of Commerce MasterCard Gold ngayong September,kasi this month ...read more

Information

Reviews

Forum

Reward yourself with a card that takes you further, higher spending limits at your disposal.

Take advantage of privileages and rewards while having a higher credit limit card for your shopping, travel and dinning, shop without worries and take advantage of your Bank of Commerce Gold MasterCard.

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.

Low interest rates, o% interest rates on installments or easy monthly payment option, all of these convinient payments schemes for your financial flexibility.

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 Gold

Bank

Bank of Commerce

Brand

Master

Type

Premier

Fees and charges

Interest rate (per month)

3.25%  per month

Annual fee

P2,500  First year waived

Annual Fee for Supplementary holder

P1,250

Minimum Payment

5% of total outstanding balance or P500, whichever is higher; or 3% of Total Outstanding Balance or USD 50, 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 the amount withdrawn or P300 whichever is higher plus P100 for an over-the-counter transaction

Cash advance interest charge

3.25%

Overseas spending fee

Foreign currency will be automatically converted to peso plus currency conversion fee of 2.5%

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

P37,917

Minimum age for Principal holder

Must be between 21 to 65 Years old

Minimum age for Supplementary holder

At least 15 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

Health & Medical Insurance / Service

Medical Expense Reimbursement

Transport Accident Insurance/ Travel Insurance

Accidental Death & Permanent Dismemberment

Medical Assistance

24-Hour Emergency Medical Hotline

Travel information

24-Hour Travel Assistance Hotline

Travel Service

Baggage Delay Flight Delay Flight Cancellation Travel Misconnection Loss of/ Damage to Check-in Baggage and Personal effects

Reviews of Bank of Commerce MasterCard Gold

User Review : 5Reviews

Design 4.4
Fees & Charges 3.0
Customer service 3.0
Features 3.2
Total 3.4

Shyrell Rose Orcine

Worst credit card

6 months na akong customer ng Bank of Commerce MasterCard Gold credit card na ito. Yung credit limit na ini-offer ...Read more

  • Rating : 2.0
  • Date : Aug 29, 2018
  • Review by Shyrell Rose Orcine

Rose Marie Santos

I don't like this bank now

After kong ma-missed ang payment ko nang two days dahil sa delayed ang transferring ng isa ko pang bank, kinancel ...Read more

  • Rating : 2.0
  • Date : Aug 29, 2018
  • Review by Rose Marie Santos

Annie Fajardo

So far, okay naman

I had this Bank of Commerce MasterCard Gold credit card for 1 year na and so far ay satisfied ako sa service nila. ...Read more

  • Rating : 3.5
  • Date : Aug 20, 2018
  • Review by Annie Fajardo

Forum of Bank of Commerce MasterCard Gold

jhonny silverio

credit cards promo

Hello Good Morning po,ask ko lang po kung may promo ba itong Bank of Commerce MasterCard Gold ngayong September,kasi this month mayroon silang promo,gusto ko kasi mag apply ng Bank of Commerce MasterCard Gold,para naman maka save ako hihintayin ko nalang ... Read more

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

Matt Ismol

Fill up through online

Hello po ask ko lang kung pwede po ba akong maka fill up ng application sa Bank of Commerce MasterCard Gold through online,kailangan ko na agad makaapply dahil gmalapit na ang alis ko papuntang ibang bansa para ma deposit ko na ang pera ko dito sa Bank ... Read more

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

dino docut

No hassle much

Hi..po sa lahat, ang kaibigan ko may tanong po siya kung ano po yung requirements nito kapag mag apply for master card gold..kasi nahihirapan na siyang mag dala nang pera kahit saan, gusto niyang magaan lang no hassle kahit saang travel pa siya pumupunta ... Read more

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

kurt pam

Bank applying

How can I apply at Bank of Commerse Master Card Gold,... already I don't know what requirements been given them to mine ?, where do I find information? Nainggit kasi ako sa iba.. na mayroong ATM card kapag pumupunta sila sa mall wala silang cash kaya ... Read more

  • Last updated : Aug 14, 2018
  • Posted by kurt pam
  • 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 4.4
Fees & Charges 3.0
Customer service 3.0
Features 3.2
Total 3.4

Please feel free to post your review on this product.

Write a Review

Shyrell Rose Orcine

  • Review by Shyrell Rose Orcine
  • Aug 29, 2018
Design 4.0
Fees & Charges 1.0
Customer service 1.0
Features 2.0
Total 2.0

Worst credit card

6 months na akong customer ng Bank of Commerce MasterCard Gold credit card na ito. Yung credit limit na ini-offer nila ay less kahit na may maganda naman akong credit score. Sobrang nakaka-irritate pa ng customer care nito. Minsan lang pati mag-offer ng mga discounts at cashback ang bank na ito. Kung ikukumpara ko sa ibang credit cards, very poor ito. Kahit na nag-email na ako sa customer care, hindi man lang ako naka-receive ng kahit anong response from them at useless na mag-antay pa ng reply nila. Mataas pa ang rate of interests nila. At kahit na isang araw ka lang ma-delay ng payment mo, nagcha-charge na kaagad sila ng interes, late payment fee at iba pang taxes. Hindi ko mai-re-recommend na mag-avail kayo ng card na ito.

Good Review

Rose Marie Santos

  • Review by Rose Marie Santos
  • Aug 29, 2018
Design 4.0
Fees & Charges 1.0
Customer service 1.0
Features 2.0
Total 2.0

I don't like this bank now

After kong ma-missed ang payment ko nang two days dahil sa delayed ang transferring ng isa ko pang bank, kinancel ng Bank of Commerce ang card ko at ngayon ay babayaran ko lang ito kahit na di ko nagamit ang credit limit ko na sobrang disappointment for me dahil ang tagal ko nang customer nila. Ang laki pa ng interest at hindi nagta-transfer ng balance from another credit card. Ang hirap pang maintindihan ng customer service nila kaya very poor talaga ang customer service nila.

Good Review

Annie Fajardo

  • Review by Annie Fajardo
  • Aug 20, 2018
Design 4.0
Fees & Charges 3.0
Customer service 4.0
Features 3.0
Total 3.5

So far, okay naman

I had this Bank of Commerce MasterCard Gold credit card for 1 year na and so far ay satisfied ako sa service nila. Dinagdagan din nila ang credit limit ko kahit na di ako nag-aapply nito at yung current employment status ko ay unemployed. Palagi silang nag-a-alert sa akin kung meron mang unusual spending activity na involve ang card ko at yung customer service hotline nila ay madaling ma-contact. Kaya lang base sa experience ko, kapag di ka agad-agad nakapagbayad sa oras, palagi kang tatawagan ng collection agents nila araw man o gabi pa.

Good Review

Sarah Lynn Santiago

  • Review by Sarah Lynn Santiago
  • Aug 13, 2018
Design 5.0
Fees & Charges 5.0
Customer service 4.0
Features 4.0
Total 4.5

Pretty average card

Wala akong naging issues before sa Bank of Commerce MasterCard Gold ko na credit card... kahit na sa security at services. Kaya lang wala silang maraming branch at kinakailangan ko pang pumunta sa malayo kung gusto kong may makausap na banker personally from them. Ang Online banking na interface naman nila ay hindi user friendly para sa akin. Standard naman ang mga fees at charges nila. This is a nice credit card when it comes to services though...

Good Review

Emmie Barquila

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

Reliable MasterCard

I have this gold Master card from Bank of Commerce for already 4 months now. Simple lang naman ang mga needs ko at ang card na ito ang naging takbuhan ko sa tuwing nagkukulang ang dala kong money o kaya naman ay wala akong dalang cash kaagad. What I like ay yung points na nakukuha ko everytime na nag i-ispend ako. Mababa rin ang interests nito at isa pang nakakatulong sa akin ay nagagamit ko ito sa mga installment ng gadgets or appliances na binibili ko na may easy monthly payment options. Very flexible ito for me kaya naman I see to it na good payer ako sa bank na ito.

Good Review

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Please feel free to post your questions on this product.

Start a new topic

credit cards promo

jhonny silverio

  • jhonny silverio
  • Aug 30, 2018

Hello Good Morning po,ask ko lang po kung may promo ba itong Bank of Commerce MasterCard Gold ngayong September,kasi this month mayroon silang promo,gusto ko kasi mag apply ng Bank of Commerce MasterCard Gold,para naman maka save ako hihintayin ko nalang ang promo nila ngayong September,ngayon kasi na month sobrang busy ako tapos nakalimutan ko na nag isip pala ako na mag apply nito kaya,ngayong September nalang ako mag apply kapag darating na ang promo na.

Reply

Fill up through online

Matt Ismol

  • Matt Ismol
  • Aug 27, 2018

Hello po ask ko lang kung pwede po ba akong maka fill up ng application sa Bank of Commerce MasterCard Gold through online,kailangan ko na agad makaapply dahil gmalapit na ang alis ko papuntang ibang bansa para ma deposit ko na ang pera ko dito sa Bank of Commerce MasterCard Gold pang gastos ko doon,hassle kasi kapag magdala ka pa ng pera tapos hindi mo alam kung ano manyayari sa lakad mo mas mabuti na kasi yong naka deposit ang pera para iwas disgrasya or manakawan,sa panahon kasi ngayon dami na kasi magnanakaw.

Reply

No hassle much

dino docut

  • dino docut
  • Aug 16, 2018

Hi..po sa lahat, ang kaibigan ko may tanong po siya kung ano po yung requirements nito kapag mag apply for master card gold..kasi nahihirapan na siyang mag dala nang pera kahit saan, gusto niyang magaan lang no hassle kahit saang travel pa siya pumupunta laging safety yung life niya..At saan po ba siya hihingi nang copy nang form nito?

Reply

Bank applying

kurt pam

  • kurt pam
  • Aug 10, 2018 / Good Answers : 1

How can I apply at Bank of Commerse Master Card Gold,... already I don't know what requirements been given them to mine ?, where do I find information? Nainggit kasi ako sa iba.. na mayroong ATM card kapag pumupunta sila sa mall wala silang cash kaya gagamitn nila, So mag apply din ako niyan para meron din ako.

myra lapid

  • myra lapid
  • Aug 14, 2018

Nang ako po ay sumali sa Bank Of Commerse Master Card Gold..ganito yung ginawa ko para mag-apply, una pumunta ako website nang https://www.ecomparemo.com/credit-card, pangalawa i-click lang yung ATM logo nito na may nakalagay na Apply Now, pagkatapos mag start kana po sa applicatio now..ganun lang po ka simple,ang kailangan lang sa requirements is online ka, masagutan lang yung katanungan at pwede mong i copy yung kanyang Credit Card Application Form PAD FA.pdf, at yun lang po god bless.

Good Answer

Reply

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