• BPI eCredit

    BPI eCredit
    Credit Card
    Annual Fee
    Reward type
    BPI eCredit
    Annual Fee:
    Reward type:

    Overview of BPI eCredit MasterCard

    BPI, or Bank of the Philippine Islands, is the oldest and most trusted bank in the country that has been in existence since 1851. The bank offers all kinds of financial services to its customers - from loans to credit cards, and investment to insurance. BPI has a host of credit cards customised to various usage purposes. BPI has a credit card for every Filipino. One of its most popular companion cards is the BPI eCredit MasterCard. This is a credit card designed especially for those who use it extensively for online shopping.

    BPI eCredit MasterCard Promotions

    What is a credit card without a good support of promotional offers? Here are some of the fabulous deals available with the BPI eCredit MasterCard this year:

    • Grab Cab users can save up to 70% on their first three rides if they use the promocode BPIGRAB. This offer is valid for first-time Grab users up to 30th April, 2017.
    • On selected dishes, get one free dish on buying one dish in participating restaurants such as Fuzion Sushi, The Veranda, Kung Fu Kitchen - Baguio, Cabalen Restaurant, Soi Restaurant, Sans Rival Bistro, Bulgogi Brothers - Davao, Missy Bonbon and Roland's Steak House, until 31st December, 2017. You have to spend at least P1,000 to avail this offer.
    • Until 14th September, 2017, you can get exclusive dining deals at restaurants such as Gloria Maris – Dagupan, Hotshots Burger, Teppan 101, Jacobo's Seafood Grill, Gwen Coffee, Cakes, and Pasta, Hapag Vicentico’s and Country Chicken (Romesco). These deals include free items on spending a certain amount ranging from P1,500 to P3,000.

    Features of BPI eCredit Card

    The salient features of this card are:

    • Companion card: The eCredit MasterCard comes as a companion card for any BPI Express Credit MasterCard. The rewards offered on this card depends on which Express Credit Card you’ve taken as the primary card.
    • Special number: The eCredit MasterCard has a different card number, which means that you can shop online without worrying about losing your card identity to fraudsters.
    • Lower credit limit: This is an ideal credit card for new entrants to the credit market, because of its low credit limit. You also cannot withdraw any cash from this card. With a low credit limit, this card will ensure that you do not over-spend, get into debts, and ruin your credit score!
    • No annual fee: The BPI eCredit MasterCard has no annual fee. This means you can enjoy its perks without worrying about how much you need to spend on its maintenance! Even the supplementary cards don’t have any annual fee.
    • Bill payment options: You can pay your credit card bill in any of the following ways:
      • BPI or BPI Family savings bank branches
      • BPI Express Teller ATM
      • BPI Express Phone
      • BPI Express Online
      • BPI Express Mobile
      • Auto-Debit Arrangement
      • SM Bills Payment Counters

    Supplementary Cards

    You can get up to 6 supplementary cards for each primary eCredit MasterCard that you get. This way, you and your family can all enjoy the benefits of shopping online without having to worry about sharing the card.

    Documents Required

    You will have to provide the bank your identity proof, address proof and income proof. Income documents include:

    • Payslips for the last 3 months
    • Employer’s Certificate of Compensation Payment/Tax Withheld (BIR Form 2316)
    • Income Tax Return (ITR)
    • Financial statements (if engaged in business)

    Fees and Charges

    The following fees and charges apply on the BPI eCredit Card:


    Fee charged

    Annual fee for primary card


    Annual fee for supplementary card


    Monthly effective interest rate


    Minimum monthly payment

    3% of the Outstanding Balance or P200, whichever is greater

    Late payment fee

    6% of the Pending Amount or P500, whichever is greater

    Lost card replacement fee


    Foreign exchange conversion fee


    How to Apply for BPI eCredit Card

    You can apply for the BPI eCredit Card either online on the bank’s website or by going to a branch of the bank personally. Don’t forget to take all the necessary documents with you. For online applications, you can upload scanned copies of the documents.

    Lost/Stolen Card Liabilities

    If you lose your BPI eCredit Card or somebody steals it from you, you need to first contact the BPI Express Phone at (02) 89-100 (in Metro Manila), domestic toll-free 1800-188-89100 (outside Metro Manila) or 632-89-10000 from overseas. Once the loss or theft is reported, you will not be responsible for any transaction that occurs on your card. But if you fail to report the loss or theft of the card to the bank in time, you will have to pay the dues irrespective of whether they were incurred by you or not. 

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