Improve Your Chances of a BPI Credit Card Approval With These Tips

Everywhere you look, there are a lot of exciting and irresistible credit card offers. From generous welcome gifts and rewards to annual fee waivers, there’s no shortage of excellent credit card benefits and privileges in the Philippines.

But how can you improve your chances of approval for a credit card, you ask? Getting approved for a credit card can be achievable, especially if you have your eyes on a BPI credit card.

There are many great reasons to get a BPI credit card. Enjoy waived annual fees on the first year, 0% installment terms, non-expiring BPI points, low forex conversion rates, free travel insurance coverage, and more! Whether it’s rewards or cashback, there’s a BPI credit card that suits your needs.

Here are some effective ways to get a BPI credit card approval.

8 BPI Credit Card Approval Tips

A BPI credit card is a must-have, so you'll want to do everything possible to get approved for one. Check out these helpful tips on how to get approved for a BPI credit card.

✔️ Build or Improve Your Credit History

Yes, it’s easier said than done. However, building your credit history or improving your credit situation is one of the best ways to get a BPI credit card approval.

Ensure a good credit score by taking care of your payment history. Pay all your monthly utility bills, housing loans, car loans, or mortgage payments on time.

If you can’t pay your credit card balance in full, pay at least the minimum amount due to keep your payments up-to-date and your account in good standing.

Having a mix of credit history can be beneficial, provided you make on-time payments across the board. It shows you can manage different kinds of credit, like credit cards and loans, and that you’re a responsible credit card applicant.

Get a copy of your credit report and request to correct any erroneous information from the Credit Information Corporation (CIC). If you have canceled credit cards or bad loans, contact your credit card issuer or loan provider to negotiate debt restructuring.

Although these negative data will still appear in your credit report after paying your debts off and securing clearance from the financial institution, your credit score will improve. Moreover, you increase your chances of getting approved for credit cards and loans in the future.

✔️ Maintain a Good Banking Relationship

A good relationship with your bank can be a huge factor in the BPI credit card approval process.

If you have been a BPI client for years and have kept your account in good standing, the bank will validate your credit history and feel more confident about extending you a line of credit.

Of course, it’s not enough to just open a BPI savings or checking account. Keep your running balance as high as possible. Grow your balance and keep the funds untouched for as long as possible. Keep your money in your account for a year or longer.

If you don’t have a spotless credit history but have a BPI account in good standing, it can help your chances of getting offered and approved for a BPI credit card.

Applying for a credit card with BPI, where you already bank, also makes paying your credit card dues easier. Simply pay bills via BPI Online or the BPI app.

✔️ Have a Stable and Regular Cash Flow

How to get approved for a credit card, you ask? Another must-have is a stable income.

A negative or inconsistent cash flow can affect your BPI credit card approval. After all, how can you pay your credit card dues if you don’t have a steady flow of income each month?

Banks like BPI require their clients to pay their credit card dues on time, which is why most, if not all, applications they approve are from people with full-time jobs or profitable businesses for years.

To show your financial stability and capability or your business’s profitability, provide proof of income when you apply for a credit card with BPI. Some examples include the latest BIR Form 2316, Audited Financial Statements, payslips, or a Certificate of Employment.

✔️ Make Sure You Qualify for a BPI Credit Card

BPI has a set of criteria you must meet before applying for a credit card. To be eligible, you must be a Filipino citizen or Philippine resident, at least 21 years old, and earning at least ₱180,000 per year (for basic credit cards). Moreover, you must have a business or residential phone number.

✔️ Apply Only for a BPI Credit Card Matching Your Financial Standing

If you’re asking how to get approved for a credit card in the Philippines, one of the most common answers you’ll get is to apply for one that suits your lifestyle and matches your financial capability.

Sending out multiple credit card applications doesn’t increase your chances of getting approved. And if your application has already been declined, wait a few months before you apply again.

That’s why applying for a credit card you’ll realistically get approved for is essential. Aside from the rewards and benefits, consider the income requirement and annual fees.

Here are some BPI credit cards to consider based on your lifestyle and financial standing:

💳 BPI Rewards Card

Annual income requirement: ₱180,000
Annual fee: ₱1,550 (free for the first year)
Interest rate: 3%
Features:
- Earn 1 BPI Point for every ₱35 spend
- Up to 36 months installment terms
- Free travel insurance up to ₱2 million

💳 BPI Gold Rewards Card

Annual income requirement: ₱480,000
Annual fee: ₱2,250 (free for the first year)
Interest rate: 3%
Features:

Earn 1 BPI Point for every ₱35 spend
Up to 36 months installment terms
Free travel insurance up to ₱10 million

💳 BPI Platinum Rewards Card

Annual income requirement: ₱1 million
Annual fee: ₱4,000 (free for the first year)
Interest rate: 3%
Features:
- Earn 2 BPI Points for every ₱30 local spend and ₱20 spend on any foreign transaction here or abroad
- Up to ₱10 million travel insurance coverage
- Free Priority Pass membership with spend requirement

💳 BPI Signature Card

Annual income requirement: ₱1.2 million
Annual fee: ₱5,500 (free for the first year)
Interest rate: 3%
Features:

Earn 2 BPI Points for every ₱20 spend
50% off Signature deals
Free travel insurance up to ₱20 million
Free annual membership fee for three years for Preferred Clients

💳 BPI Amore Cashback Card

Annual income requirement: ₱360,000
Annual fee: ₱2,050 (free for the first year)
Interest rate: 3%
Features:

Cashback for every ₱1,000 local spend: 4% cashback on supermarkets, 1% on drug stores and utilities, 0.3% on other local spend
Up to 36 months installment terms

💳 BPI Amore Platinum Cashback Card

Annual income requirement: ₱1 million
Annual fee: ₱5,000 (free for the first year)
Interest rate: 3%
Features:

Cashback for every ₱1,000 spend anywhere: 4% on restaurants, 1% on supermarkets and other shopping stores, 0.3% on everything else
Up to 36 months installment terms

💳 Petron BPI Card

Annual income requirement: ₱180,000
Annual fee: ₱1,550 (free for the first year)
Interest rate: 3%
Features:

3% fuel rebate at participating Petron stations
₱200 fuel voucher welcome gift

✔️ Reduce Your Outstanding Debt

If you have an existing credit card with another bank, reduce or pay off your outstanding balance. When you’re nearly maxing out your card, it can make banks more hesitant to approve your card application.

Keep your overall credit use reasonable, so banks won’t have to worry about overextending credit and flagging you as someone at risk of defaulting on payments.

✔️ Get a Secured Credit Card

For a minimum holdout deposit amount of ₱15,000, you can apply for a secured credit card from BPI. It’s the easiest way to apply for a credit card because it’s guaranteed 100% approval.

Your BPI deposit account is your collateral, making this an excellent option for freelancers, low-income earners, or first-time credit cardholders. Moreover, you can convert it into a regular credit card after a year of paying your balance in full and on time.

✔️ Be Truthful in Your Application

Any inconsistencies or inaccuracies in your forms can delay the processing of your application. Worse, you might be rejected for a credit card. So, provide accurate details and submit the latest and correct employment and financial documents.

FAQs on BPI Credit Card Approval

1. How many days does it take to approve a BPI credit card?

BPI credit card approval usually takes about one to two weeks.

2. How to know if your BPI credit card is approved?

BPI will send an SMS to update you on your application status. Alternatively, you can follow up by calling the 24-hour BPI Contact Center at 889-10000, pressing 2, and entering your 10-digit application ID.

3. How many days for a BPI credit card to be delivered?

BPI aims to deliver your BPI credit card within three banking days in Metro Manila and five banking days in provincial areas.

If you aren’t home to receive your new BPI credit card, you can authorize someone to receive it for you. They should present their valid ID, your valid ID, and a BPI credit card delivery authorization letter.^[1]

Final Thoughts

A BPI credit card can be the only one you’ll ever need. If you don’t have one, now’s the best time to switch. Boost your chances of a BPI credit card approval by remembering these tips. Compare BPI credit cards to find the right one and apply today!

Credit Card	Minimum Annual Income Requirement	Annual Fee	Key Features
BPI Rewards Card	₱180,000	₱1,550	1 BPI Point for every ₱35 spend
Petron BPI Card	₱180,000	₱1,550	3% fuel rebate at Petron ₱200 fuel voucher welcome gift
BPI Amore Cashback Card	₱180,000	₱2,050	4% cashback on supermarkets, 1% on drug stores and utilities, 0.3% on other local spend
BPI Edge Card	₱180,000	₱110 monthly	1 BPI Point for every ₱50 spend
BPI Gold Rewards Card	₱480,000	₱2,250	1 BPI Point for every ₱35 spend Up to ₱10 million free travel insurance
BPI Amore Platinum Cashback Card	₱1 million	₱5,000	4% cashback on restaurants, 1% on supermarkets and other shopping stores, 0.3% on everything else
BPI Platinum Rewards Card	₱1 million	₱4,000	2 BPI Points for every ₱30 local spend and ₱20 foreign currency spend online or abroad
BPI Signature Card	₱1.2 million	₱5,500	2 BPI Points for every ₱20 spend 50% off Signature Exclusives