Important Reminders regarding your Statement

The billing cycle represented by your statement closes on your Statement Date. If the Payment Due Date falls on a Saturday, Sunday, or a regular national holiday, the Payment Due Date shall be moved to the next banking day.

The Cardholder is required to pay at least the Minimum Amount Due on or before the Payment Due Date. Paying less than the Total Amount Due will increase the amount of interest and other charges you pay and the time it takes to repay your balance.

Understand how to compute the Minimum Amount Due here.

BPI shall be notified immediately in writing of any billing error in the Statement of Account (SOA). If no error is reported within thirty (30) days from the Statement Date, the SOA shall be considered correct and binding upon the cardholders. The cardholder shall then recognize and admit the integrity of the SOA as an electronic document pursuant to the Electronic Commerce Act and promises to pay the amount thereon on its due date without presentation of sales slip.

Your credit limit is the maximum amount available for use. BPI reserves the right to disapprove any purchase or cash advance that exceeds your credit limit. Your total credit limit can be used for regular purchases and Special Installment Plan (S.I.P.), for items of value payable on fixed monthly installment amounts with terms ranging from 3 to 36 months.

Principal cardholders share their credit limit with their supplementary cardholder. If you have two or more BPI Credit Cards, it also shares one credit limit. If you find your limit insufficient for your requirements, you may contact our 24-hour hotline at (+632) 889-10000 or send us an email at help@bpi.com.ph. For more details, check our contact information page.

Report a lost or stolen card immediately by calling our 24-hour hotline at (+632) 889-10000. 

Finance Charge on regular purchases, fees, interest charges, monthly installment amortizations and cash advances is based on the aggregated total of the daily interest for the statement period. The daily interest is computed by multiplying the unpaid balance for each day with the daily interest rate (monthly interest multiplied by 12 months and divided by 360 days).

The finance charge computation shall start from the posting date until payment date for BPI Credit Card cash advance fee, and the day after the Statement of Account (SOA) date for retail purchases, unpaid finance charges and other fees, and monthly installment amortizations.

Finance Charges on Special Installment are computed by multiplying the total amount availed by the applicable interest rate depending on the term. Monthly payment shall first be applied to the interest then to the principal using the diminishing balance method. Unpaid billed amortizations shall be subject to finance charges, billed at a monthly finance charge rate, computed in the same manner as outstanding retail balances.

View the applicable Finance Charge rate for your BPI Credit Card here.

Understand how Finance Charges are computed for your BPI Credit Card here.

Failure to pay at least the Minimum Amount Due on or before the Payment Due Date shall bear a late payment charge fee as stated in the table of fees. If the account is suspended or cancelled, and thereafter referred to a collection agency or lawyer, BPI shall impose additional charges/fees in accordance with the Terms and Conditions Governing the Issuance and Use of the BPI Credit Card.

Availments are subject to a cash advance fee per transaction. It can be availed at any BPI branch or BPI ATM's nationwide and through the Cirrus (for Mastercard credit cards) and Visa/Plus (for Visa credit cards) networks worldwide. Cash Advances shall be earmarked against the Cardholder's Credit Limit and is not an additional line of credit.

To avail of Cash Advance via ATM, the Cardholder must have a Credit Card PIN (CCPIN). A CCPIN may be provided to the Cardholder which upon receipt, must immediately be changed by the Cardholder. If the Cardholder is not provided with a CCPIN, the Cardholder may call the 24-hour BPI Contact Center at (+632) 889-10000, to request for a CCPIN. The Cardholder must not disclose the CCPIN to any person or compromise its confidentiality under any circumstance.

Learn more about cash advances on your BPI Credit Card here.

The Foreign Transaction Service Fee representing the Issuer’s Foreign Exchange Markup (0.85%) and Mastercard/Visa Assessment Fee (1%) shall apply to foreign currency transactions using the CARD. The transaction and fee shall be billed and payable in Philippine currency, using the Mastercard/Visa foreign exchange rate on the date the transaction is posted.

For transactions charged in Philippine currency by a foreign acquirer at point of sale, the Foreign Transaction Service Fee representing the Mastercard/Visa Assessment Fee (1%) shall apply. This fee applies to whether the transaction is made in or outside the Philippines, or online.

View the full list of BPI Credit Card’s Rates and Fees here.