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Which is better as a first credit card: BPI or BDO?

BPI credit cards are more affordable to own than BDO cards.

They have lower annual fees, ranging from Php1,000 to Php2,050 compared to BDO’s Php1,000 to Php3,000. Annual fees are also waived for the first year, except for the BPI Amore Visa and Amore Visa Platinum.

As for interest rates, BPI offers the lowest one at 2% with the BPI Family Credit Card.

When it comes to credit card rewards, it’s easier to earn points with BPI credit cards. Every Php35 charged to a Blue Mastercard, eCredit, or Gold MasterCard earns you a point. Meanwhile, you need to spend Php40 to earn one rewards point with certain BDO credit cards.

On the other hand, BDO is the better choice if you’re looking for a credit card outside the usual Visa and Mastercard networks. Unlike BPI, BDO offers American Express, UnionPay, JCB, and Diner’s Club credit cards.

Go back to the main page: How to Apply for BPI Credit Card: An Ultimate Guide

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