• 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 ₱2,500.00 (Annual fee is waived for the first year.)
Min. monthly income ₱38,000.00
Min. age for principal holder

21 - 65 years old

Min. age for supplementary holder

15 years old and above

Fee for supplementary holder ₱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

5% of the amount withdrawn or Php300 whichever is higher plus 3.25% interest charge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

Gold Means Greater Possibilities

Never settle for anything less with the Bank of Commerce Gold MasterCard. Leave your purchasing worries behind as you enjoy greater shopping opportunities with a higher spending limit. Get more from life as you benefit from premium perks and benefits when you shop, dine, or travel. The more you spend, the more you accumulate Rewards points as you earn 1 point for every ₱25 spent using your card. Depending on the partner shop, you can even receive up to 5x Rewards points as you take advantage of these points and get them exchanged for premium rewards merchandise.

Fees and charges of Bank of Commerce Gold Mastercard Credit Card

The annual membership fee for the first year is waived. For the succeeding years, it will be ₱2,500 for the principal cardholder and ₱1,250 for the supplementary cardholder. The finance charge is 3.25% interest rate per month with a late payment fee of 5% of the minimum amount due or ₱500 whichever is higher.

Are you eligible for a Bank of Commerce Gold Mastercard Credit Card?

You can apply as a principal cardholder if you are 21 to 65 years of age with a minimum monthly income of ₱38,000. To be a supplementary cardholder, the person must be at least 18 years of age.

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.