Credit cards
BPI Free+
Bank of the Philippine Islands
2.98 reviews
About this product
BPI Free+ 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
- 15% cashback on finance charge when minimum amount due is paid on time
- Good for
- No annual fee and lower finance charge
- Rating
- 2.9 / 5
Card details
- Network
- Mastercard
- Tier
- Relationship / no fee
- Best for
- No annual fee and lower finance charge
- Billing currency
- PHP
- Availability
- Invite/select depositors
- Principal annual fee
- None
- Intro / first-year fee
- No annual fee
- Fee waiver
- No annual fee
- Monthly interest rate
- 2.5%
- Foreign transaction fee
- 3%
- Cash advance fee
- ₱200 per transaction
- Base earn rate
- Interest cashback feature
- Bonus / cashback
- 15% cashback on finance charge when minimum amount due is paid on time
- Cap / threshold
- Program terms apply
- Airport lounge
- None
- Other key benefits
- Some cash advance/installment features may not yet be available
- 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.