• Min. Monthly Income


  • Interest Rate

    3.25% /month

  • Annual Fee


Feature Highlights
  • Earn as much as 5x rewards points.
  • 0% installment plan.


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


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


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


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


  • 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 ₱1,200.00
Min. monthly income ₱10,000.00
Min. age for principal holder

21 - 65 years old

Min. age for supplementary holder

15 years old and above

Fee for supplementary holder ₱600.00
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

5% of the amount withdrawn or Php300 whichever is higher plus 3.25% interest charge

Cash advance interest charge


Cashback limit


Rewards points expiry


Product Review by iMoney Philippines

Basic, No Frills Card

If you just need the basics without sacrificing the flexibility and reliability of an everyday credit card, then the Bank of Commerce Classic MasterCard is your best option. Get the versatility of using your credit card on your daily expenses such as groceries, utilities, gas, and other basic commodities while getting the rewards that you deserve. Just by spending ₱25 on your card will earn you 1 Rewards point and you can even get up to 5x Rewards points on select partner establishments. Accumulate these points and exchange them for freebies and rewards merchandise.

Fees and charges of Bank of Commerce Classic MasterCard Credit Card

Annual membership fee is waived for the first year. Succeedingly it will be ₱1,200 for the principal cardholder and ₱600 for the supplementary cardholder. Finance charge is 3.25% effective interest rate per month and late payment fee is 5% of minimum amount due or ₱500 whichever is higher.

Are you eligible for a Bank of Commerce Classic MasterCard Credit Card?

Applying for this card requires you to have at least ₱10,000 monthly income and 21 to 65 years of age to be eligible as a principal cardholder. To enroll a supplementary cardholder, he/she must be at least 18 years old.

We recommend that you also view similar options such as Union Bank Classic Card as well as Security Bank Classic MasterCard which have features that you could also be interested in.

If you're having a hard time choosing, we also suggest to take a look at Bank of Commerce Credit Card Rewards that you can avail to find out if this card best matches your spending activities.