Credit cards
BPI eCredit
Bank of the Philippine Islands
2.98 reviews
About this product
BPI eCredit from Bank of the Philippine Islands offers 3% per month. Compare the facts below, then continue to the provider when you're ready.
Key facts
- Rate
- 3% per month
- Rewards
- Separate online credit limit
- Good for
- Online transaction controls
- Rating
- 2.9 / 5
Card details
- Network
- Mastercard
- Tier
- Companion virtual card
- Best for
- Online transaction controls
- Billing currency
- PHP
- Availability
- Companion card
- Principal annual fee
- None
- Intro / first-year fee
- No separate annual fee
- Fee waiver
- Companion to eligible BPI principal card
- Monthly interest rate
- 3%
- Foreign transaction fee
- 1.85%
- Cash advance fee
- ₱200 per transaction
- Base earn rate
- Depends on linked program
- Bonus / cashback
- Separate online credit limit
- Cap / threshold
- Linked account rules
- Airport lounge
- None
- Travel / purchase insurance
- Online controls
- Other key benefits
- Not a standalone principal-card product
- Eligibility
- Subject to BPI credit assessment and documentary requirements.
- Product page
- www.bpi.com.ph/personal/cards/credit-cards
What people say
Based on 8 reviews
UN
Unknown
12 Jul 2026
Fast release, clear terms
Applied online and got approved in two days. The rate matched what was advertised — no surprise fees. Staff answered all my questions.
UN
Unknown
3 Jul 2026
Good but paperwork heavy
Rates are competitive and the app is decent. Took a while to gather all the documents, but support was patient with an OFW like me.
UN
Unknown
28 Jun 2026
Reliable for repeat borrowers
Second time borrowing here. Renewal was smooth and the monthly amortization is exactly as computed on Finsyal.