• Min. Monthly Income


  • Interest Rate

    3.5% /month

  • Annual Fee


Feature Highlights
  • Cash Advance of up to 100% of your credit limit
  • FREE Travel Insurance package of up to ₱10 million
  • Exclusive deals available to all BPI credit cardholders


  • Free Travel Insurance package of up to ₱10 million when booking airline tickets with BPI credit card
  • Cash Advance of up to 100% of your credit limit


  • Real Thrills Rewards Points: ₱35.00 = 1 point


  • Real Thrills Rewards Points: ₱35.00 = 1 point


  • Real Thrills Rewards Points: ₱35.00 = 1 point

Other Features

  • Cash Advance

    • 100% 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

  • 24/7 Customer Service

    • Worldwide 24/7 cardholder assistance from MasterCard's 24/7 Global Service Number and BPI Express Phone's 24/7 International Toll-Free Service.

Card Information

Annual fee ₱2,250.00 (Annual fee is waived for the first year.)
Min. monthly income ₱40,000.00
Min. age for principal holder

21 and above

Min. age for supplementary holder

13 years old and above

Fee for supplementary holder ₱1,125.00 (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

Up to 100% 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

Experience Premium Value

Have better peace of mind and greater value with the BPI Gold Credit Card. In an emergency, cardholders can get a cash advance of up to 100% of their credit limit. You also get free travel insurance coverage of up to ₱10M once you use your card to purchase the travel tickets. Leave your worries behind as you get 24/7 customer service as well as special perks and promotions all year.

Fees and Charges of BPI Gold Credit Card

Annual membership fee is waived on the first year for principal cardholders, ₱2,250 for the following year. Free annual fee for life for the 1st supplementary cardholder, ₱1,125 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 Gold Credit Card?

In order to apply, principal cardholders should have a minimum monthly income of ₱40,000 and must be 21 years of age and above. Supplementary cardholders should be 13 years and above.

Do check out similar credit cards, Security Bank Gold Credit Card and EastWest Bank Gold Credit Card, as we aim to help you find the right card for you.

Still looking for more options? You can also view BPI credit card requirements available on our website, for your searching convenience.