• Min. Monthly Income


  • Interest Rate

    3.5% /month

  • Annual Fee


Feature Highlights
  • Shop with BPI's hippest promotions
  • Cardholders get to enjoy exclusive discounts and deals all year


  • Your ticket to the cutting-edge lifestyle – get discounts and rewards at the hippest shops, restaurants and coolest clubs
  • Real Thrills Rewards Points: ₱50.00 = 1 point


  • Reload your cellphone and inquire about your balance through BPI ATMs or via SMS
  • Receive one (1) Real Thrills Rewards Point for every ₱50.00 spent on your card


  • Use you card when you dine out and get one (1) Real Thrills Rewards Points for every ₱50.00 spent


  • Spend on entertainment using your card and earn one (1) Real Thrills Rewards Point for every ₱50.00 charged to your card


  • Buy your groceries and charge it to your card to receive one (1) Real Thrills Rewards Point for every ₱50.00 spent

Other Features

  • Cash Advance

    • 30% of the credit limit and fees are either ₱500.00 or 3.00% of the outstanding amount, whichever is higher.

  • Balance Transfer

    • Low monthly rate of 0.79%.

  • Installment Plan

    • 0% interest Installment Payment Plan at all participating merchants

Card Information

Annual fee ₱1,320.00 (Annual fee is waived for the first year.)
Min. monthly income ₱15,000.00
Min. age for principal holder

21 and above

Min. age for supplementary holder

13 years old and above

Fee for supplementary holder ₱660.00 (Free for 1st supplementary)
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

₱700.00 or equivalent to the value of the unpaid minimum amount due, whichever is lower

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

Setting The Trend

Get the card that matches your trendsetting lifestyle. With BPI Edge Credit Card, you’ll receive great discounts to the coolest clubs and hippest shops in the Philippines. Be in the forefront of the trendiest styles and events while getting the most value for your money. Every ₱50 charged to your card will get you 1 Real Thrills Rewards Point.

Fees and Charges of BPI Edge Credit Card

Annual membership fee for the principal cardholder is waived for the first year, ₱1,320 for the succeeding year. The annual fee for the first supplementary cardholder is waived for life, ₱660 per year for the 2nd to 6th supplementary cardholders. Interest rate is 3.5% per month and late payment charge is ₱700.00 or equivalent to the value of the unpaid minimum amount due, whichever is lower.

Are you eligible for a BPI Edge Credit Card?

In order to apply, the principal cardholder must be at least 21 years of age and have a minimum monthly salary of ₱15,000. The supplementary cardholder should have a minimum age of 13 years old.

If you are looking for other options, you can also consider these recommendations: HSBC Red Credit Card and BDO Shopmore Credit Card

There are also more BPI credit card promos to choose from, as we feature cards that matches your requirements.