Credit Card Cash Advance FAQs

Principal and supplementary Cardholders of the following BPI Credit Cards are eligible for a Cash Advance:

Credit Cards

• BPI Rewards Card
• BPI Gold Rewards Card
• Petron BPI Card
• BPI Edge Card
• BPI Corporate Card*
• BPI Amore Cashback Card
• BPI Amore Platinum Cashback Card
• BPI Platinum Rewards Card
• BPI Signature Card

*For Corporate Cardholders, please course all requests through your Company’s Corporate Admin.

No Credit Card PIN will be issued for the following BPI Credit Card variants.

• BPI eCredit Card
• BPI Mini Edge Card

You can request by calling our 24-hour BPI Contact Center at (+632) 889-10000 (Metro Manila) or domestic toll free 1-800-188-89100 (Available to PLDT subscribers).

You can go to any BPI ATM and do the following:

a. Choose language
b. Select “Change PIN” from the ATM Menu
c. Enter new four-digit PIN twice
d. Enter pre-assigned PIN found in your CCPIN SMS
e. Wait for the confirmation that PIN has been successfully changed 

The cardholder can immediately avail of Cash Advance. However, it is recommended that you change your pre-assigned Credit Card PIN at any BPI ATM.

No. Each BPI Credit Card has a unique pre-assigned CCPIN.

For security purposes, it is recommended that you change the pre-assigned PIN. To prevent unauthorized use, your PIN must not be divulged to anyone.

No, we have discontinued the use of PIN Mailer as a mode of delivery of the CCPIN. 

The SMS containing the pre-assigned CCPIN will be sent to your registered mobile number 3-5 banking days from date of successful card delivery.

No, the CCPIN will only be sent to your registered mobile number. Please make sure that your registered mobile number with us is updated. 

Each card will have its own pre-assigned PIN. To determine which CCPIN refers to which card, the CCPIN SMS includes the Card Product variant and the last 4 digits of the credit card.

The minimum amount for Cash Advance transactions is Php 500.

The Cash Advance limit depends on the BPI Credit Card type the Cardholder has

100% of Total Credit Limit*
BPI Amore Platinum Cashback Card
BPI Signature Card
BPI Platinum Rewards Card


70% of Total Credit Limit*
BPI Gold Rewards Card


30% of Total Credit Limit*     
BPI Rewards Card
BPI Edge Card
Petron BPI Card
BPI Amore Cashback Card

*subject to availability of credit limit

Yes. A fee amounting to Php 200 will be charged for every Cash Advance transaction.

Note: Additional charges may be applied by other banks’ ATM per transaction.

Cash Advance transactions will be billed on the next statement date.

Finance charges on Cash Advance transactions and Cash Advance fee will be computed from posting date until payment date.

Finance charge - 3%
Effective Interest Rate per month - 3.16%*

*Cash Advance Effective Interest Rate per month = Average Monthly Interest plus Cash Advance Fee divided by the Avergae Principal Balance. 

Yes, the CCPIN can be used for Cash Advance transactions and for international in-store purchases that require the input of PIN. These international POS terminals also include self-service or unmanned kiosks. 

Yes, POS terminals abroad like in European countries, Australia, New Zealand, Japan, India, Indonesia, and Malaysia require the cardholders to input a PIN instead of signing a charge slip. 

It is advisable that you inform the merchant that you are using a credit card and not a debit card. If the merchant insists, then you may use your CCPIN to complete the transaction.

You may have exceeded the number of allowable tries. You can reset your PIN by calling our 24-hour BPI Contact Center at (+632) 889-10000 (Metro Manila) or domestic toll-free 1-800-188-89100 (Outside Metro Manila), or visit any BPI Branch.

For inquiries and comments, please send us a message or call our 24-hour BPI Contact Center at (+632) 889-10000.