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BPI Credit Card

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DESCRIPTIONS:

One of the leading and customer-friendly credit card providers in the Philippines is BPI, which are accepted in a lot of major shops, malls, and cities here and abroad. BPI is also among the top banks trusted by a lot of Filipinos when it comes to helping them handle their personal finances. You could not go wrong with a BPI credit card if you feel that it is indeed the right credit card for your lifestyle and financial demands.

BPI’s line of credit cards has something to offer every financial need. Whether you are looking for extra privileges or perks, looking for a new credit card, looking for budget-friendly annual fees, or you simply want a credit card for paying your bills and for purchasing important things, you can find the right BPI credit card for you. The right BPI credit card can let you relax, dine, shop, and travel with ease, and some merchants even give you freebies and discounts when you use your card to pay for their products. BPI credit cards also come with a rewards system called, “Real Thrills”. You can get gifts according to your dining and shopping habits since BPI analyzes which restaurants you frequently visit and which stores you frequently shop in.

These cards also offer convenience with the Superior Chip Technology feature, which is reputed as the Philippines’ first and only Europay-MasterCard-Visa (EMV)-compliant chip card. It offers good encryption capability so credit card fraud is avoided and secure transactions are made. Having a BPI card also gives you two separate credit lines for installment and for straight or regular purchases. There are no hidden charges when you go for the installment plan because the installment billing does not include monthly finance charges present in regular purchases.

Another great feature of the card is the S.I.P. Facility, which is useful when paying for expensive services and products like credit card balances of other credit cards, tuition fees, furniture, and appliances. Basically, it lets you manage your budget by letting you pay in three, six, nine, twelve, eighteen, or twenty-four installment terms with fixed and low add-on rates.



Featured Credit Cards:

EastWest Bank Practical Card


FEATURES:

  • Enjoy the lowest finance monthly charge of 2.25%  to 2.75% for different purchases
  • Relax with the 24-hour Customer service hotline for EastWest Bank Cardholders.

 

Share your spending power to love ones for up to 9 times

 

  • Get cash advances of up to 50% of your credit limit!
  • Avail of the Flexible Membership Fee Payment Option that will allow you to choose how you want to pay your membership fee.
  • Get rewards points in every transaction made with EastWest Bank Practical card
  • Pay an annual fee of Php2000

RCBC Bankard Diamond Card


FEATURES:

  • Finance Charge: 2.75 %
  • Balance Transfer Rate: 1.488% (6months)
  • Annual fee of only Php2,500
  • Cash advance service fee 300% or 5%, whichever is higher

HSBC Classic and Gold Credit Card


FEATURES:

  • No worries with your annual fees because the initial year will be for free for both the primary and supplementary card holders.
  • Get 1 Rewards point for every Php10 you make!
  • Pay less as you buy more with HIP!
  • Need assistance at the middle of the night? Relax as HSBC Classic and Gold Credit Card has 24/7 customer service ready to help you with everything you need.

CITI BANK GOLD CARD


FEATURES:

  • Get privileged service anywhere around the world when you travel with Citibank Gold Card!
  • >Pay an annual fee of Php2500 for your primary card and take advantage of a credit line higher than you imagined!
  • Avail of Rewards point for every Php30 spent with your credit card.
  • Travel the world with no worries with Travel Inconvenience Protection available for all card holders just by paying your ticket in full making use of the Citi Gold Card!
  • Relish on Cash Advance Service of only Php500 or 3% whichever is higher…
  • Avail of 24/7 customer service wherever you maybe!

Featured Articles:

MANAGE YOUR MONEY: USE YOUR CREDIT CARD WISELY

Like majority of things in life, credit cards give us power that we could use to maximize our way of living. We should learn to use it wisely to avoid any hassles in the future.

But what are really the advantages of having a credit card? We, at comparecreditcards.com, did a survey about the merits of having a credit card and you will be surprised at what came out…

It is a lot easier to buy things with a credit card. It gives you purchasing power that can let you buy things without you having to carry huge amounts of cash around.

You get added security if in case something you bought got lost, stolen or damaged. With both your credit Card Company and your credit card statement guaranteeing you made the purchase, you could actually get insurance on whatever you bought.

Having a good credit history not only helps you apply for a new credit card, but also helps you build a solid financial foundation when applying for other things like loans or sometimes even jobs.

Although we should avoid any expenses that is way out of our budget, it is sometimes unavoidable due to emergencies like fire, floods and the like. But the worst thing is it leads to large purchases in huge amounts of money. With a credit card, you can use money with cash advances and worry about paying it later once you’re back on track.

In addition to those, a credit card also presents further benefits like discounts, free air miles and insurances. But you have to remember that credit card companies start making money once you can’t afford paying off your charges!

The benefits of having a credit card are real and are very helpful on the condition that you take into account your spending limits.

Life is made easier with a credit card, but if used unwisely, they become financial break downs for you. If you do decide to get yourself a credit card, keep in mind these following rules:

  • Track all of your purchases.
  • Never spent beyond your budget.
  • Settle your balance at the due date.

Always bear in mind the responsibility of having a credit card. Spend within your budget and use it wisely.