BPI Credit Cards review
Updated September 28, 2026 · HodlCue Editorial Team · Facts checked September 26, 2026
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Our verdict
BPI Credit Cards is a debit Mastercard from a Philippine bank, built for residents who want ordinary banking and travel spending rather than crypto card extras. The deciding number is the conversion fee of 1.5%, above 0.1% at Wise and 0% at Monzo Flex.
Key facts
- Best for
- A bank-issued Mastercard debit card for everyday Philippine spending and occasional travel.
- Currency conversion fee
- 1.5%↗
- Free ATM withdrawals
- ₱0↗
- Card type
- Debit↗
- Card network
- Mastercard↗
- Legal entity
- Bank of the Philippine Islands↗
- Headquarters
- Philippines↗
- Founded
- 1851↗
- Support channels
- Phone, Email, Help-centre, Chat↗
- Features
- Travel
- Official website
- bpi.com.ph
Facts checked September 26, 2026, 5 sources
Apps and profiles
- Get the app
- Google Play
Pros and cons
Pros
- A debit card on the mastercard network, issued by Bank of the Philippine Islands.
- Help runs through phone, email and help centre.
- The cash withdrawal allowance of PHP 0 matches the site median of €0.
- That allowance figure ranks 38 of 104 across the brands compared.
Cons
- Currency conversion costs 1.5%, above 0.1% at Wise and 0% at Monzo Flex.
- On that same measure the card ranks 133 of 237 across the brands compared.
- Features listed are travel, per travel, so no cashback or earn perk is stated.
Who it suits
- Philippine account holders who want a bank-issued card for everyday spending.
- People who keep most spending in pesos and travel occasionally, so 1.5% comes up rarely.
- Card users who want a debit card that works on the mastercard network.
Who should look elsewhere
- Frequent converters, since Wise charges 0.1% against 1.5% here.
- Shoppers choosing mainly on the conversion rate, since Monzo Flex charges 0%.
Who runs it
BPI Credit Cards is issued by Bank of the Philippine Islands, a bank headquartered in Philippines that has been running since 1851. Support runs through phone, email and help centre, so help is available by phone, email, chat or the help centre, and those same channels cover the account sitting behind the card as well as the card itself.
How BPI Credit Cards compares
9.4 vs 9.4
9.4 vs 9.0
9.4 vs 8.2
9.4 vs 9.5
9.4 vs 9.6
9.4 vs 9.0
9.4 vs 9.1Bitpanda converts at 0% too, and sits in the same crypto card set, so it undercuts 1.5% here.
9.4 vs 8.9
9.4 vs 8.1
9.4 vs 8.2
9.4 vs 9.5
9.4 vs 9.4
9.4 vs 9.2
9.4 vs 9.1
9.4 vs 9.0
9.4 vs 8.9- 9.4 vs 8.8
9.4 vs 8.8
9.4 vs 8.6
9.4 vs 8.5
9.4 vs 8.3
Where BPI Credit Cards is available
- Available
- Philippines
- Licence in Philippines
- Bangko Sentral ng Pilipinas, checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What fees does the card charge?+
It is a debit card, so the fee that matters most is conversion at 1.5% on spending in another currency. Wise charges 0.1% and Monzo Flex charges 0% on the same kind of transaction. Cash withdrawals come with an allowance of PHP 0.
Are there free ATM withdrawals?+
The free cash withdrawal allowance is PHP 0, which matches the site median of €0. Across the brands compared this card ranks 38 of 104 on that figure, so cash access is not a reason to pick it.
What kind of card is it and where does it work?+
It is a debit card running on the mastercard network, so it works wherever Mastercard is accepted. Spending draws on the balance held with Bank of the Philippine Islands, and the feature listed for the card is travel, which points it at spending abroad.
Who regulates the bank behind the card?+
The card comes from Bank of the Philippine Islands, a bank headquartered in Philippines that has been running since 1851. The regulator listed for the Philippines is Bangko Sentral ng Pilipinas, so the money behind the card sits with an established supervised bank rather than a new entrant.
What is the card built for?+
The features listed are travel, so the card is aimed at travel spending rather than earn or cashback products. What backs it is a debit account at Bank of the Philippine Islands, and the conversion fee of 1.5% is the figure that decides whether it works for you.
How do I get help with the card?+
Support runs through phone, email and help centre, so the bank can be reached by phone, email, chat or the help centre. Those channels cover the account behind the card as well as the card itself, and a help centre is the most common single route across the brands compared.
How does it rate on cost?+
The cost score is 4.3 and the overall score is 4.3, both resting on the same two numbers: conversion of 1.5% and a cash withdrawal allowance of PHP 0. Debit cards account for 73.4% of the cards compared, so this is a mainstream product.
Can I use the card outside the Philippines?+
It is a Philippine product, issued by a bank headquartered in Philippines and running on mastercard. Using it abroad is where the 1.5% conversion fee bites, and on that measure the card ranks 133 of 237 across the brands compared.
Sources
- bpi.com.ph checked September 26, 2026
Backs: Headquarters, Support channels
“Corporate office Bank of the Philippine Islands, Ayala Triangle Gardens Tower 2, Paseo de Roxas corner Makati Avenue, Makati City 1226”
- bpi.com.ph/about-bpi/overview checked September 26, 2026
Backs: Founded
“Founded in 1851, Bank of the Philippine Islands is the first bank in the Philippines and in the Southeast Asian region.”
- bpi.com.ph/personal/cards/debit-cards checked September 26, 2026
Backs: Features
“Special travel insurance rates - Safeguard your next trip with your BPI Card through JetSetProtect by BPI Cards”
- bpi.com.ph/personal/cards/debit-cards/debit-mastercard checked September 26, 2026
Backs: Card network
“BPI Debit Mastercard - Pay with your card in stores, wherever BancNet or Mastercard is accepted in the Philippines”
- bpi.com.ph/personal/cards/debit-cards/debit-mastercard/te... checked September 26, 2026
Backs: Card type, Legal entity
“A Debit Card is a payment and withdrawal card that allows a depositor of a banking institution within the BPI group of Companies to access his or her deposit funds through Point-of-Sale (POS)...”
- bpi.com.ph/personal/cards/debit-cards/fees checked September 26, 2026
Backs: Free ATM withdrawals, Currency conversion fee
“BPI Debit Mastercard - BPI ATMs: Withdrawal: Free”
- bsp.gov.ph checked September 26, 2026
Backs: Licences
Compiled from 7 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Monthly fee, Protection.
Related by the facts
BPI Credit Cards
A bank-issued Mastercard debit card for everyday Philippine spending and occasional travel.