Thinking of getting a BPI credit card? You’re in luck because you can conveniently submit your BPI credit card application online.
That's right! No need to go outside to apply for a BPI credit card. As long as you have all the required documents, you can complete the entire application in just a few minutes. Learn how to do it through our step-by-step guide.
If you don’t have a credit card from BPI, now’s the best time to get one. Here’s why:
You can quickly complete the BPI credit card application form online in just 5 to 10 minutes. Moreover, you can also upload the required BPI proof of income and other relevant documents via its online application facility.
From waived annual fees to installment terms of up to 36 months, credit to cash option, rewards points, free travel insurance coverage, and low forex conversion rates, there are many great features to enjoy when you get a BPI credit card.
Enjoy no annual fees in your first year when you get approved for a BPI credit card. Watch out for BPI credit card no annual fee promos, which you can avail of when you meet the spend requirement within the promo period.
BPI also waives annual membership fees on its select premium cards like the Gold Mastercard, Amore Platinum Cashback, and Visa Signature for customers who meet the annual spend requirement.
It’s easy to earn rewards points with your BPI credit card. For instance, you can earn 2 BPI Points with every ₱20 spend with your BPI Signature or Platinum Rewards (for overseas spend) card.
One of the best things about spending with your BPI credit card is that your points won’t expire. Redeem items and services using your BPI Points in the BPI Rewards Catalog or VYBE App.
Before applying, make sure you're eligible for a BPI credit card. Below are some of BPI's eligibility criteria for credit card applications:
Aside from the accomplished online credit card application, you must also submit scanned copies of your valid ID and proof of income.
Refer to this list:
BPI offers different types of credit cards, [1] each catering to different needs, budgets, and lifestyles. Choosing the right one can be overwhelming because of the many choices. You can’t randomly pick a credit card based on gut feeling or family and friends' recommendations because what’s great for them may not work for you.
Why should you carefully select and compare a credit card? Going for the wrong card may get your application declined—especially if you don’t meet the specific requirements for that card.
Take your time and discover the different BPI credit card types below:
Now it's time to file your BPI credit card application. Follow these steps for a smooth process:
To complete your BPI credit card application, prepare a scanned copy (should be in JPEG, PDF, or GIF format and no more than 2MB in size) or photocopy of each of the following documents:
Once your requirements are complete, click submit and review your BPI credit card application summary.
If you need more time to complete your application, you can exit and submit all documents within three banking days (from when you filed your application form). Failure to do so will result in the cancellation of your application.
Here’s what you must consider when choosing a BPI credit card:
Consider the following BPI credit card features as well:
Once you’ve figured out what you want from a BPI credit card, narrow down your choices and apply for one that suits your budget, lifestyle, and needs.
Here's a summary table of BPI credit cards to help you pick the right card for you:
BPI Rewards Card
The BPI credit card approval process usually takes one to two weeks. While waiting for an update, it's recommended that you not apply for another BPI credit card, as this may affect your pending application.
Wait for BPI to contact you regarding your BPI credit card application status. Banks typically take one to two weeks to process applications, so if you haven’t heard from the bank after two weeks, your application is likely declined.
How to follow up on your BPI credit card application via phone banking? Just follow the steps below:
You can also contact BPI's customer service through the following numbers:
Got your BPI credit card? Congratulations! However, before using it, you need to activate your card first.
To activate your BPI credit card via SMS, here are the steps.
Furthermore, you can visit any BPI branch to activate your card. Just bring your inactive BPI credit card and one valid, photo-bearing ID.
To view your credit card balance, log in to your BPI online or mobile banking account. Another way is via BPI Phone Banking. Press 2 for Credit Cards and 1 for Balance Inquiry. Enter your 16-digit credit card number.
Make your payments at any BPI Bank. You can also enroll to pay via any of the following payment channels if you have an account with BPI:
Alternatively, you can pay at any SM Bills Payment counter, ECPay merchant partners, and Bayad Centers.
Over-the-counter cash payments at BPI branches will be posted on the next banking day. Check payments made before the clearing cut-off will be posted after the third banking day.
Phone/online banking payments made on banking days before 10 p.m. are considered same-day transactions, so they’ll be posted on the next banking day.
Any other payments made between 10 p.m. and 12 midnight on weekends and holidays will be considered next-banking-day transactions.
Payments made at SM Bills Payment centers, Bayad Centers, and ECPay merchant partners will be posted after three banking days.
For any credit card-related concerns, you may reach the BPI customer service hotline through the following contact numbers:
Aside from the BPI customer service hotline numbers, you may also send an inquiry on BPI's official Facebook page at www.facebook.com/bpi. If you wish to contact BPI customer service via email, you can simply fill out the online form [3] on the website.
Enjoy the convenience of applying for a credit card by doing it online. Good luck with your BPI credit card application. Always remember to swipe responsibly!
Sources:
Rouselle has over eight years of writing experience in the personal finance niche. She has written feature stories, articles, and how-to guides on various personal finance and trending lifestyle topics. Before that, she briefly worked in banking and was a licensed life insurance advisor. When not writing, Rouselle likes to read books and binge-watch films and series. Follow Rouselle on Linkedin.
