• Min. Monthly Income


  • Interest Rate

    3.5% /month

  • Annual Fee


Feature Highlights
  • Buy your travel fare using your card and get free travel insurance package of up to ₱2 million
  • Cash Advance of up to 30% of your credit limit


  • Get one (1) Real Thrills Rewards Point for every ₱35.00 charged to your card


  • Buy your groceries using your credit card and receive one (1) Real Thrills Rewards Point for every ₱35.00 spent


  • Charge your shopping expenses to your card and get one (1) Real Thrills Rewards Point for every ₱35.00 spent


  • Pay your utility bills using your card and earn one (1) Real Thrills Rewards Point for every ₱35.00 spent


  • FREE Travel Insurance package of up to ₱2 million

Other Features

  • Cash Advance

    • Receive cash advance up to 30% of your credit limit and pay low fees of either ₱500.00 or 3.00% of the borrowed amount, whichever is higher.

  • Balance Transfer

    • 12% per annum for a lock-in tenure of 12 months

  • Global Acceptance

    • Accepted in over 29 million establishments worldwide

  • Installment Plan

    • 0% interest Installment Payment Plan at all participating merchants

Card Information

Annual fee ₱1,550 (Annual fee is waived for the first year.)
Min. monthly income ₱15,000
Min. age for principal holder

21 and above

Min. age for supplementary holder

13 years old and above

Fee for supplementary holder ₱775.00
Finance charges 3.50% per month
Must have postpaid account? Yes
Identification needed Tax Identification Number (TIN) and SSS/GSIS No.
Card Replacement Fee

₱400.00 per card

Sales Slip Retrieval Fee

₱300.00 per request

Late payment charge

₱500 or 6% of past due amount, whichever is higher

Cash advance amount

30% of credit limit

Cash advance charge

3% of the cash advance amount or ₱500.00 whichever is higher

Cash advance interest charge

Varies, total interest plus Cash Advance Fee divided by Average Outstanding Principal Balance

Cashback limit


Rewards points expiry


Product Review by iMoney Philippines

Your Start-Up International Credit Card

Travel conveniently and worry-free with your BPI Blue credit card as you get worldwide recognition to over 29 million establishments around the globe. You also get free travel insurance coverage of up to ₱2M. For transactions in the Philippines, it has you covered as you enjoy various rewards, perks, and promotions exclusive to cardholders.

Fees and Charges of BPI Blue Credit Card

Annual membership fee is ₱1,550 for the principal cardholder, but waived only for the first year. The 1st supplementary cardholder gets free annual membership fee for life, ₱775 for the 2nd to 6th supplementary cardholders. Interest rate is 3.5% per month and late payment charge is ₱500 or 6% of past due amount, whichever is higher.

Are you eligible for a BPI Blue Credit Card?

To apply, the principal cardholder should have a minimum income of just ₱15,000 a month and at least 21 years of age. For the supplementary cardholder, he/she should be at least 13 years of age.

We will also provide additional recommendations such as PNB Essentials Credit Card and UCPB Classic Credit Card, if in case the current card doesn't suit your need.

Still searching for more? You can also view the rest of the BPI credit cards and compare them based on your requirements.