Do it Duet Promo

Get a BPI rewards-earning card and any cashback-earning card to enjoy a lifetime waiver of the annual membership fees (the “AMF”), and up to Php 25,000 eGCs when you meet the spend requirements for both cards, through the Do it Duet Promo (the “Promo”).  If you only get one type of BPI Credit Card, you are still entitled to get the applicable welcome gift or AMF waiver when you meet the spend requirement.

General policies

1. These Terms and Conditions govern the Promo for all individuals who apply for, and are issued, a qualified BPI Credit Card during the Promo Period, subject to other eligibility requirements prescribed hereunder.

2. The Terms and Conditions governing the use of BPI Credit Cards, BPI’s Products, Services, Facilities and Channels, Giftaway eGCs, as well as the BPI Data Privacy Statement, are hereby incorporated by reference and shall form an integral part hereof.

Eligibility and participation

A. Provisions common to both rewards

1. The Promo, which shall run from August 15, 2024 to December 31, 2024 (the “Promo Period”), shall be open to the following (“Eligible Cardholders”):

• Individuals who apply for one or more of the following qualified BPI Credit Cards from each reward category:

*Note: The BPI Rewards Card, BPI Gold Rewards Card, and BPI Platinum Rewards Card cannot be issued to or registered in the name of the same individual simultaneously.

and whose applications are approved within thirty (30) days from the Promo end date, and who, prior to such application and issuance:

• Did not have an existing principal BPI Credit Card; and
• Did not have BPI Credit Cards which were cancelled within the last twelve (12) months

2. For customers who wish to avail themselves of two (2) qualified BPI Credit Cards (one from each reward category), the approval of the second (2nd) card must occur within ten (10) calendar days from the first (1st) card’s approval. If the second (2nd) card is approved beyond this ten (10) day period, it will not be eligible for this Promo.

3. Conversion, upgrade, or change in the card type approved will result in the following:

• In terms of the AMF waiver for life, should the conversion, upgrade, or change in the card type involves a change from an eligible card type to another eligible card type during the Promo Period, then the Eligible Cardholder shall still be entitled to the AMF waiver for life, but the spend requirement will be based on the upgraded card. To illustrate, should a cardholder upgrade from a BPI Gold Rewards Card to a BPI Platinum Rewards Card within the Promo Period, the spend requirement applicable will be that set for a BPI Platinum Rewards Card. Once a card is awarded with an AMF waiver for life, the waiver is not transferrable in case of conversion, upgrade or change in the card type. To illustrate, if a cardholder was already awarded with the AMF waiver for life on the BPI Gold Rewards Card and decided to upgrade to a BPI Platinum Rewards Card, the AMF waiver for life will not be carried over to the BPI Platinum Rewards Card. 
• In terms of the welcome gift, should the conversion, upgrade, or change in the card type involves a change from an eligible card type to another eligible card type during the Promo Period, then the Eligible Cardholder shall still be entitled to the welcome gift, but the spend requirement and the reward will be based on the first card variant. To illustrate, should a cardholder upgrade from an Amore Cashback Card to an Amore Platinum Cashback Card within the Promo Period, the spend requirement and the welcome gift applicable will be that set for an Amore Cashback Card.
• Should the conversion or change in the card type involves a conversion or change from a rewards-earning card to a rebate-earning card, or vice versa, during the Promo Period, outright disqualification. To illustrate, should a cardholder change the card type from a BPI Platinum Rewards Card to a BPI Amore Platinum Cashback Card within the Promo Period, both cards are not qualified for the Promo.

4. Spend will be accumulated on a per card basis. For customers who avail themselves of two (2) qualified BPI Credit Cards in the welcome gift reward category and are able to meet the spend requirement for only one (1) card, the Eligible Cardholder will be awarded the applicable welcome gift. The spend on both cards shall not be combined to meet the spend requirement on one (1) card.

B. Provisions applicable to the Welcome Gift

1.  Registration

• Each Eligible Cardholder will receive a unique alphanumeric promo code in his registered mobile number and/or email address in BPI’s records, for purposes of registration. For customers who avail of two (2) qualified BPI Credit Cards, the Eligible Cardholder will only get one (1) unique alphanumeric promo code which is applicable for both cards. In case an Eligible Cardholder inadvertently deletes the promo code, he may call the BPI Contact Center to ask for the same.
• Only the principal cardholder, who shall receive an e-mail or SMS from BPI, is allowed to register to the Promo.
• To register, Eligible Cardholders must visit the registration portal, enter their unique promo code, and supply the information requested for registration.
• After the Eligible Cardholder submits his registration details, a confirmation message will appear on the portal to confirm receipt of his registration from Giftaway. 
• The Eligible Cardholder will receive a notification message from Giftaway regarding the result of his registration through SMS and/or e-mail within seven (7) to ten (10) banking days from the date of registration attempt. A successful registration is required to qualify for the Promo.
• Eligible Cardholders must register within the applicable registration period as detailed below. 
• By completing his registration, the Eligible Cardholder agrees that his personal information shall be subject to the confidentiality, data privacy, and the security terms of the service provider, Giftaway.
• Eligible Cardholders with successful registrations will receive a unique link from Giftaway, and such link shall serve as the Eligible Cardholder’s unique redemption portal via the eGC hub.  

2. Spend Accumulation

• To be entitled to the Welcome Gift detailed below, the Eligible Cardholder must meet the spend requirement during the spend period as follows:

• Valid transactions to be included are posted transactions of the following types:
  • Retail transactions 
  • Special Installment Plan (SIP) merchant transactions
  • Credit-to-Cash
  • SIP for Schools  
  • SIP for Hospital
  • Balance Transfer transactions
  • Utility Bills payment
  • Pay Bills via Credit Card
• The following transactions are excluded from the Promo: 
  • Fees: Late payment fees, gaming fees, replacement fee, check protect fee, cash advance fee
  • Cash Advance
  • eCredit transactions
  • Balance Conversion Transactions
  • Bail and bond payment transactions
  • Gambling transactions
  • Money Transfer Merchant transactions
  • Quasi-cash merchant financial institution transactions
  • Quasi-cash transactions
  • Political Organization transactions
• Valid transactions made by the Eligible Cardholder (who should be the principal cardholder) and his supplementary cardholder(s) during the applicable spend period using their eligible cards will be accumulated and shall be considered as the Eligible Cardholder’s total transactions under this Promo.
• The Eligible Cardholder may view the qualified transactions in the eGC hub. Qualified transactions are posted in the eGC hub within seven (7) to ten (10) banking days from the date of posting of transactions in BPI’s system.

3. Redemption

• At the end of each spend period, Eligible Cardholders who meet the spend requirement will receive an advisory from Giftaway within two (2) weeks from the start of the redemption period confirming that they have successfully met the Promo requirements. They will be advised to redeem their rewards through the redemption portal (eGC hub) within the specified redemption period below:

• Eligible Cardholders may also access the eGC hub on the first day of the applicable redemption period to verify if they have met the spend requirement, while waiting for the advisory from Giftaway.
• On the first day of the redemption period, the welcome gift reward for the Eligible Cardholders who have met the minimum spend requirement will be unlocked on the eGC Hub. Once unlocked, the Eligible Cardholders must choose among the featured eGC partners in essentials, electronics and dining categories, to wit:

• The Eligible Cardholder must select Redeem Now and choose the eGC redemption option. The eGCs shall be in Php 500 denomination.
• A confirmation page will prompt and the vouchers will be stored on the eGC hub.
• Instructions on how to use the redemption code will also be displayed on the eGC hub. Specific redemption instructions are provided per merchant. 
• The redemption code is transferable to the Eligible Cardholders' nominated recipient as long as he meets the requirements in using the redemption code.
• The eGC is for one-time use only. 
• As the eGCs come in Php 500 denominations only, if the total value of eGCs used to redeem an item is not used up, the remaining value will be forfeited. To illustrate, if the Eligible Cardholder wants to redeem an item worth Php 2,250 purely with eGCs, the Eligible Cardholder must use five (5) eGCs, totaling Php 2,500. The Php 250 will not be refunded to the Eligible Cardholder,and will be forfeited. However, the Eligible Cardholder will have the option to supplement his eGCs with cash. In the example above, the Eligible Cardholder may choose to use only four (4) eGCs totaling Php 2,000, and pay the merchant the remaining Php 250 in cash.
• All terms and conditions relating to the use of eGC code redemption per merchant, as indicated in the redemption portal, shall apply. 
• The status of each qualified eGC will be reflected in the eGC hub, e.g., Active, Used, Expired.  
• The eGC is not valid in conjunction with any ongoing promos. 
• All earned but unredeemed eGCs in the eGC hub will expire after the applicable redemption period.
• All unredeemed eGCs at partner merchant will be deactivated sixty (60) days from the date of redemption in the eGC hub.
• Once a redemption is made, it cannot be cancelled, reversed, or applied to another item, or eGC. 
• The eGCs are not convertible to BPI Points, cash, or cash credit.
• The Eligible Cardholder is responsible for safekeeping his eGC and unique redemption portal link (eGC hub). BPI and the merchant partner shall not replace the redeemed eGC code. 
• BPI will not send notifications via SMS and/or email on the expiry of the earned eGCs. It is the responsibility of the Eligible Cardholder to track the expiry of his rewards in the eGC hub.

C. Provisions applicable to the AMF waiver

1. Eligible Cardholders shall be entitled to AMF waiver for life, if they are able to meet the spend requirement using the eligible card during the Promo Period.

2. In case multiple qualified BPI Credit Cards are applied for during the Promo Period, only one (1) card will be eligible for the AMF waiver for life based on the card hierarchy below:

• BPI Platinum Rewards Card
• BPI Gold Rewards Card
• BPI Rewards Card

3. To be entitled to the AMF waiver for life, the Eligible Cardholder must meet the spend requirement within the spend period as follows:

4. Valid transactions to be included are posted transactions of the following types:

• Retail transactions 
• Special Installment Plan (SIP) merchant transactions
• Credit-to-Cash
• SIP for Schools  
• SIP for Hospital
• Balance Transfer transactions
• Utility Bills payment
• Pay Bills via Credit Card

5. The following transactions are excluded from the Promo: 

• Fees: Late payment fees, gaming fees, replacement fee, check protect fee, cash advance fee
• eCredit Transactions
• Cash Advance
• Balance Conversion Transactions
• Bail and bond payment transactions
• Gambling transactions
• Money Transfer Merchant transactions
• Quasi-cash merchant financial institution transactions
• Quasi-cash transactions
• Political Organization transactions

6. Valid transactions made by the Eligible Cardholder (who should be a principal cardholder) and his supplementary cardholder(s) during the applicable spend period using their eligible cards will be accumulated and shall be considered for purposes of determining the spend under this Promo.

7. Eligible Cardholders who meet the one-time spend requirement will be awarded an AMF waiver for life on the applicable awarding period. Cardholder shall receive an advisory when the AMF waiver for life has been applied.

8. Each Eligible Cardholder (who must be the principal cardholder) may only be awarded the AMF waiver for life once, and only for his newly issued and qualified BPI Credit Card and its replacements due to expiry. 

9. Supplementary cards are excluded from this Promo, and will follow the standard AMF charging – free AMF for life for 1st supplementary card, and annual charging of AMF for the 2nd supplementary card onwards.

D. Rewards

Eligible Cardholders will be entitled to the following if they meet the spend requirement during the spend period prescribed hereunder:

1. Welcome Gift

2. AMF Waiver

E. Other conditions

1. The principal credit card must be active and current at point of awarding.

2. This Promo, unless otherwise provided, will not apply in conjunction with any other existing bank promotion. In case of dispute pertaining to the Promo including, but not limited to, the cardholder’s eligibility, coverage dates, fulfillment, etc., BPI’s decision, with the concurrence of DTI, will prevail. Any and all questions or disputes regarding the eGCs received in connection with this Promo must be raised to Giftaway (support@giftaway.ph) within thirty (30) days from the date of receipt of the eGCs.

3. The terms and conditions governing the issuance and use of BPI Credit Cards, which are made an integral part hereof by reference, shall likewise be resorted to in instances where they are applicable to this Promo. 

4. The Promo shall be subject to periodic review to ensure compliance with BPI’s policies and procedures, as well as with BSP rules and regulations and other applicable laws.

5. The application for, and issuance of, the qualified BPI Credit Cards, shall be subject to BPI’s applicable credit parameters.

6. BPI employees are disqualified to join the Promo.

7. To the full extent allowed by applicable laws, all warranties, whether express or implied by law or statute, are excluded herein. BPI does not make any warranty, express or implied, with respect to any of the prizes

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

Per DTI Fair Trade Permit No. FTEB-199245 Series of 2024

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