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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 PLATINUM MASTERCARD


FEATURES:

  • Get FREE LIFETIME MEMBERSHIP!
  • Delight in your ability to shop anywhere in more than 300 countries with almost 30 million establishments.
  • Finance charge of only 3.75% a month!
  • Cash advance of 5% or Php300 whichever is higher
  • Share your power to purchase to special people by requesting supplementary cards with the annual membership fees waived perpetually.

PNB Visa Credit Card


FEATURES:

  • Apply for a PNB Visa credit card and the first year’s annual fee is FREE!
  • The PNB Visa Credit Card allows you access to over 25 million establishments all around the world!
  • Need cash? There is no need to worry as PNB Visa Credit Card lets you have cash advance anytime of the day at any PNB ATM outlets near you for emergencies!
  • Avail of financial flexibility and pay for as low as 5% of your whole purchase with their Easy Payment Terms and Installment Plans!

BDO MASTERCARD SHOP MORE


FEATURES:

  • Pay just Php900 for the initial year!
  • Avail of a cash advance fee of 5% or Php300 whichever is higher
  • Have a finance charge of 3.50%
  • Avail of up to 30% Cash Advance of your credit limit!
  • Get rewards points each time you purchase items at SM by the Peso Payback Rewards Program
  • Get up to 5 supplementary cards on your first year!
  • Relish on exciting freebies and discounts through SM Exclusive programs and BDO Delights!
  • Avail of the ongoing installment promos for as low as 0% interest in different electronics ad appliance stores, furniture shops, health and beauty services, restaurants, jewelry shops, travel packages and more.

BDO Shop More MasterCard has wide recognition and acceptance on major establishments throughout the Philippines and plus 20 million locations in 275 territories and countries wherever MasterCard is accepted.

MASTERCARD BLACK – BDO Credit Card


FEATURES:

  • Enjoy FREE membership for both your primary card and supplementary card for the initial year!
  • Earn rewards points on every Php50 worth of transactions on your BDO MasterCard Black!
  • Get special assistance whenever you travel with BDO Travel Desk!
  • Stay in the comfort of your homes and let BDO Black MasterCard do the payment of your monthly utility bills!
  • Supervise your finances with simplicity as you get lots of savings and discounts!
  • Avail of 24/7 customer service whenever you need it!

Featured Articles:

Should you let your kid have his own credit card?

Fact: there is already an increase of teens and college students who have their own credit cards. Credit card companies now aim on the two groups since they are the ones who spend more money than adults.

Educate your child on how to manage spending with a credit card. Parents an even use instances in the present state of affairs as an example to discuss to kids the pros and cons of credit cards.

Smaller credit limits are usual with these types of cards and while it may be easy to apply for one, credit card companies charge large interest rates and fees to the teenage credit card holders.

People who are below 18 are not legitimate in obtaining credit cards without the consent of their parents. Unfortunately, some kids fill out forms and receive credit cards without the knowledge of their parents. To avoid this, talk to them and help them realize the importance of beginning a solid credit history with their first card. Emphasize that it is of utmost importance to their future.

As a parent, start by reading the guidelines with your child. Make sure you call to attention all the terms written on the fine print. Avoid coming to the rescue if the bills get way out of control. This will teach him to be responsible in handling his money. A credit card spent by a teenager and paid by his parents initiates bad credit habits

Let the child bear in mind that his credit card sho uld be used in emergencies only. Monitor ALL his spending activities. Some credit cards even allow the parents to create their own credit limit for the supplementary cards. This is very logical especially if you are too busy with your career.

Parents can help their kids spend sensibly with the correct use of credit cards. At this early stage, it is better to prepare them in the reality of life by teaching them not to abuse its benefits.