How to apply to BPI Edge Mastercard Credit Card

The BPI Edge Mastercard is a straightforward cashback rewards credit card designed to give cardholders rebates on daily purchases without the hassle of complex rewards schemes. Offered by Bank of the Philippine Islands (BPI), one of the most established banks in the country, this credit card makes earning points simple and redeeming rewards flexible.

Apply for the BPI Edge Mastercard to enjoy earning rebates on transactions with no annual fees required. This practical, fuss-free card lets you rack up rewards on groceries, gas, online shopping and more that can redeem statement credits or exciting gifts and activities.

Benefits

The BPI Edge Mastercard lets cardholders earn and redeem rewards with ease through:

• Cashback rebates – Get 1 point for every P30 spent, with no caps on points earned. Use points for statement credits to offset your balance.
• No annual fees – There are no annual fees required, so keeping the card open doesn’t cost a thing.
• Flexible redemptions – Points don’t expire so you can save up and redeem for statement credits, gadgets, airline tickets, hotel stays, online vouchers and more.
• Travel protections – Get free travel insurance for flight delays, lost luggage and more when plane tickets are purchased using the card.
• Instalment plans – 0% interest instalment plans available at partner merchants for up to 24 months.
• Dining and shopping discounts – Privileges, discounts, and promos at BPI’s wide merchant network nationwide.

Prerequisites

Applying for the BPI Edge Mastercard has the following basic requirements:

• 21 to 65 years old
• Pinoy or foreign national working or residing in the Philippines
• Monthly income of at least P15,000

About BPI

Bank of the Philippine Islands (BPI) is the oldest bank in the Philippines, with a history dating back to 1851. Originally known as El Banco Español Filipino de Isabel II, BPI started as a financing institution for the agriculture sector during Spanish colonial rule.

After World War II, BPI expanded to become the first universal bank in the Philippines offering expanded services for retail and corporate banking clients. Today, BPI has over 800 branches nationwide and pioneers innovative digital banking products for Filipinos.

BPI issues various credit cards that cater to different lifestyles and needs. Popular BPI credit cards include the BPI Blue Mastercard, BPI SkyMiles Mastercard, BPI Amore cashback cards and the BPI Visa Signature for high-end consumers. BPI credit cards are widely accepted, and cardholders enjoy rewards points, instalment privileges and insurance protections.

As one of the largest and most established financial institutions in the Philippines, BPI is a trusted provider of credit cards that give everyday value like the straightforward cashback rewards of the BPI Edge Mastercard.

Who is this card for?

The BPI Edge Mastercard is suitable for a wide range of consumers who want a no-frills cashback credit card for daily spending. It’s a great entry-level card for young professionals and new-to-credit applicants looking to establish credit history. The straightforward rewards program and lack of annual fees make it an affordable card to keep long term.

With no tiered rewards categories, the BPI Edge Mastercard allows all types of spenders earn rebates on groceries, dining, gas, online shopping, bills payment and more. The 1 point per P30 spend rate and unlimited cap on points earned make it easy to rack up rewards regardless of lifestyle or spending level.

This card is ideal for budget-conscious applicants because of the lack of annual fees. There are also no attached income requirements so it’s accessible to those with modest salaries. The 0% instalment plans also make it suitable for big-ticket purchases.

Overall, the BPI Edge Mastercard appeals to a wide consumer base – from students and young workers, shoppers, and budgeteers, to credit builders and rewards-focused cardholders. It’s a flexible, practical cashback card suitable for various lifestyles.

Step by step to apply for the BPI Edge Mastercard

Follow these steps to apply for the BPI Edge Mastercard:

• Go to the BPI credit cards page
• Click ‘Apply Online’ on the BPI Edge Mastercard section. This will direct you to the BPI credit card application portal.
• Select ‘BPI Edge Mastercard’ as the card type you are applying for. Fill in all required information – personal details, employment details, financial info.
• Upload or take a photo of supporting documents needed – valid ID, proof of billing, payslip.
• Read terms and conditions and submit the application.
• Wait for an email or call from BPI regarding application status. If approved, you can activate the card once received.

APPLY TO BPI EDGE MASTERCARD CREDIT CARD HERE

You can download the BPI mobile app from Google Play Store and Apple App Store as well.

Positives and negatives of the BPI Edge Mastercard

Pros:

• No annual fee
• Simple 1 point per P30 spend earns rate
• Points don’t expire
• Can redeem points for statement credits
• Travel insurance on airline ticket purchases
• 0% instalment plans available

Cons:

• No signup bonusses
• Lower earn rate compared to premium cards
• Limited rewards redemption partners
• Foreign transaction fee of 3.5%
• No airport lounge access

While the BPI Edge Mastercard doesn’t have as many perks as premium cards, it delivers on its promise of straightforward cashback rewards that are easy to earn and redeem. The lack of annual fees, foreign transaction fees and easy approval criteria also make it highly accessible. It’s a great starter card for average Filipino consumers who desire simple rewards for daily transactions.

How to unlock the BPI Edge Mastercard

• Once you receive your new BPI Edge Mastercard, you will need to activate and unlock it for use. Follow these steps:
• Call the BPI Card Activation Hotline at (02) 8528-5500 or toll-free at 1-800-10-100-700. This hotline is available 24/7.
• Provide the agent with your complete name and new credit card number.
• You will then be asked to set your ATM PIN for your card. Choose a 6-digit PIN number you can easily remember. This will be the PIN for ATM and in-store transactions.
• After choosing your PIN, your card will be activated and ready for use after 24 hours.

You can now use your BPI Edge Mastercard for in-store purchases by swiping and signing the receipt or inserting the chip and entering your 6-digit ATM PIN. For online purchases, provide the card details and security code.

Fees and Tariffs

Here are the standard fees and interest rates associated with the BPI Edge Mastercard:

• Annual Fee – None
• Interest Rate – 2.25% per month or 27% per annum
• Cash Advance Fee – Php 200 per transaction
• Minimum Amount Due – 3% of total outstanding balance or P300, whichever is higher
• Late Payment Fee – P300 if minimum amount due is not paid on due date
• Overlimit Fee – P300 if total outstanding balance exceeds credit limit
• Returned Check Fee – P1,000 per returned check
• Foreign Transaction Fee – 3.5% of amount charged

Knowing the applicable fees and interest rates for your BPI Edge Mastercard helps you use the card responsibly. Pay your bill on time and in full each month, if possible, to avoid interest charges.

Customer Service Channels

BPI offers various channels you can reach out to for any card-related queries, concerns, and assistance:

• 24/7 Customer Service Hotline – (02) 89-100 from Metro Manila, 1-800-188-89100 toll-free from domestic areas, +63 2 89100 from international
• Customer Service Email – [email protected]
• BPI Credit Card Website
• BPI Online Support Chat – Available 24/7 via BPI website
• BPI Credit Card Mobile App – Downloadable app to manage your account
• BPI Branches – Visit any BPI branch nationwide for assistance during banking hours

Getting quick customer support for your BPI Edge Mastercard is vital for maximizing its benefits. Save the customer service hotline number and keep these channels handy to reach BPI’s team for any card-related queries or issues.