Credit cards
BPI Omni
Bank of the Philippine Islands
2.98 reviews
About this product
BPI Omni 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
- Digital-first fraud and e-commerce protection
- Good for
- Online spending
- Rating
- 2.9 / 5
Card details
- Network
- Mastercard
- Tier
- Digital / relationship
- Best for
- Online spending
- Billing currency
- PHP
- Availability
- Invite/select depositors
- Principal annual fee
- ₱3,000
- Intro / first-year fee
- Check invitation terms
- Fee waiver
- Not publicly standardized
- Monthly interest rate
- 3%
- Foreign transaction fee
- 1.85%
- Cash advance fee
- ₱200 per transaction
- Base earn rate
- 3× BPI points per ₱50 eligible online spend
- Bonus / cashback
- Digital-first fraud and e-commerce protection
- Cap / threshold
- Program terms apply
- Travel / purchase insurance
- E-commerce protection
- Other key benefits
- Digital-first card; some capabilities may be limited
- 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.