• Min. Monthly Income


  • Interest Rate

    2.95% /month

  • Annual Fee


Feature Highlights
  • Earn as much as 5x rewards points.
  • Dual currency billing


  • 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.
  • Dual Currency Billing
    • Enjoy convenience of having two separate billings for local and international purchases.

Card Information

Annual fee Free (Annual fee is waived for the first year.)
Min. monthly income ₱100,000.00
Min. age for principal holder

21 - 65 years old

Min. age for supplementary holder

15 years old and above

Fee for supplementary holder N/A
Finance charges 2.95% 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 or 5% of minimum amount due or $10 whichever is higher

Cash advance amount

30% of credit limit

Cash advance charge

5% of the amount withdrawn or Php300 whichever is higher plus 2.95% interest charge

Cash advance interest charge


Cashback limit


Rewards points expiry


Product Review by iMoney Philippines

Premium Perspective on Purchases

Set your sights to life’s premier luxuries with the Bank of Commerce Platinum MasterCard. Relish the ability to purchase the finest things available to you, without worrying about your spending limit. Never hesitate to use your card during your international travels as you enjoy the exclusive advantages of having dual currency billing. Your purchases will also accumulate Reward points which you can use to exchange for premium merchandises. Treat yourself with all the perks and privileges available with this card.

Fees and charges of Bank of Commerce Platinum Mastercard Credit Card

The annual membership fee for this card is free and waived for life, for both principal and supplementary cardholders. The interest charge is 2.95% effective rate per month. For late payment fees, it will be 5% of minimum amount due or ₱500 or $10 whichever is higher.

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

For a principal cardholder to apply, he/she must have a monthly income of at least ₱100,000. The applicant must also be 21 to 65 years of age. For a supplementary cardholder, the person must be at least 18 years old.

Not satisfied with the choices presented? Here are similar credit cards that should also fall under the same category, the PNB Platinum Card and EastWest Bank Platinum Card. Both options offer premium benefits that could cater to your requirement.

There’s also a variety of Bank of Commerce credit card promos that you can also review so you can choose which card is best suited to your lifestyle.