• Min. Monthly Income


  • Interest Rate

    2.95% /month

  • Annual Fee


Feature Highlights
  • Earn as much as 5x rewards points when you use your card for travel-related expenses.
  • Up to ₱5 million insurance coverage


  • Earn as much as 5x rewards points when you use your card for travel-related expenses.


  • Claim up to ₱5 million insurance coverage if you charge your entire pane fare on your card


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


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

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 ₱5,000.00 (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 ₱2,500.00
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

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5% of the amount withdrawn or Php300 whichever is higher plus 3.25% interest charge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

Experience A World Of Luxury

Indulge yourself on the finest experiences the world has to offer with a Bank of Commerce World Mastercard. Travel to extraordinary locations while enjoying exclusive benefits such as comfortable traveling options via Destination Limo or receive amazing privileges at participating hotels and resorts worldwide. Gourmet travellers can also enjoy complimentary perks such as free champagne at selected restaurants around the world. Never worry about purchases whether local or abroad with the dual currency billing and get up to 5x Rewards points for any travel-related expense. With this credit card you can make lasting memories and experiences as you share them with those who are most precious in your life.

Fees and Charges of Bank of Commerce World Mastercard

This credit card has an interest rate of 2.95% per month. Principal cardholders will have to pay an annual membership fee of ₱5,000 and for supplementary cardholders, it will be ₱2,500 per year. The late payment fee is 5% of the minimum amount due or ₱500, whichever is higher. For cash advances, you can borrow up to 30% of your credit limit and the fee will be 5% of the amount availed or ₱300, whichever is higher, plus a 3.25% interest charge.

Are you eligible for a Bank of Commerce World Mastercard?

Primary cardholders must have a minimum of ₱100,000 monthly income to apply and should be 21 - 70 years of age. As for supplementary cardholders, the applicant must be 15 years old and above.

Aside from the enticing privileges mentioned, a Bank of Commerce World Mastercard cardholder is also eligible for FREE insurance worth ₱5M that covers travel accident, medical expense, and inconvenience benefits, every time you use your card to purchase airfare tickets. Frequent travellers can also make use of the enhanced Mastercard Airport Experiences for a more comfortable overall journey as you get access to select exclusive offers in over 500 airports around the world.

With all the hard work that contributed to your success, you deserve to unwind and enjoy the fruits of your labor. Having the Bank of Commerce World Mastercard, guarantees that you’ll receive preferential treatment with exclusive perks and benefits that only a privileged few get to experience. Treat yourself to a memorable getaway with family or friends without having to worry about anything.

Looking to find a better option? There are still some alternatives available in the market with the same level of benefits that this card offers. You can also take a look at the Citi Prestige Card or the BDO Platinum Card, both present closely related privileges and benefits similar to the current card your are considering.

If this is not the type of card you are looking for, you should also go over other card categories that might interest you. Check our listing of Bank of Commerce credit cards available on our site and apply for the one that fits your need.