• Min. Monthly Income

    ₱38,000

  • Interest Rate

    3.25% /month

  • Annual Fee

    ₱2,500

Feature Highlights
  • Earn as much as 5x rewards points.
  • 0% installment plan.
Dining
6/10
Shopping
6/10
Groceries
5/10
Gas
5/10
Travel
5/10

Dining

  • Earn as much as 5x rewards points using the card at select dining establishments.

Shopping

  • Earn as much as 5x rewards points using the card at select shopping establishments.

Groceries

  • Earn 1 point for every ₱25 spent on groceries.

Gas

  • Earn 1 point for every ₱25 spent on gas.

Travel

  • Earn 1 point for every ₱25 spent on travel.

Other Features

  • Installment Plan
    • Avail of 0% installment offers at all participating merchants. Choose between the months of 3, 6,12, 18, 24 and 36 months.
  • Installment Convert
    • Low monthly interest rates and longer payment terms when converting to install big ticket purchases such as tuition fees and hospital bills.

Card Information

Annual fee ₱2,500
Min. monthly income ₱38,000
Min. age for principal holder

21 - 65 years old

Min. age for supplementary holder

18 years old and above

Fee for supplementary holder ₱1,250.00
Finance charges 3.25% per month
Must have postpaid account? No
Identification needed Tax Identification Number (TIN) and SSS/GSIS No.
Card Replacement Fee

₱300.00 for lost card and ₱200.00 for damaged card

Sales Slip Retrieval Fee

₱200.00 for local and ₱300.00 for international purchases

Late payment charge

5% of minimum amount due or ₱500 whichever is higher

Cash advance amount

30% of credit limit

Cash advance charge

₱100.00

Cash advance interest charge

3.25%

Cashback limit

N/A

Rewards points expiry

N/A

Product Review by iMoney Philippines

If you are still searching for the right credit card, here are some other options that should be worth a look. Check out Union Bank Gold Card and also RCBC Gold Card that present similar features to what you’re interested in.

Don’t forget to have a look at other Bank of Commerce Credit Cards if you think that the current ones are not right for your needs.