BPI has launched the Back-to-Back Perks promotion, allowing new credit card applicants to earn electronic gift certificates worth up to PHP 18,000 along with waived annual membership fees by meeting certain spending thresholds during the promo period from March 10, 2026, to June 30, 2026.
Promo Highlights
This offer targets individuals applying for select BPI credit cards. By registering with a unique promo code provided by BPI and achieving the required spends, participants can receive a welcome gift in eGCs. Additional bonuses are available for quick activation or applying for two cards. Meeting annual spend goals also waives the annual membership fee for eligible cards.
Key benefits include:
- Welcome eGCs based on card type and spend: up to PHP 18,000 for BPI Signature Card with PHP 90,000 spend.
- Bonus eGCs: PHP 250 for activation, PHP 500 for two cards, and PHP 1,000 for select depositors.
- Annual fee waiver: Spend PHP 180,000 for Petron BPI Card or PHP 400,000 for BPI Platinum Rewards Card, with duration tied to yearly card anniversary.
Promo Mechanics
Welcome Gift and Annual Membership Fee Waiver
The promotion provides a welcome gift and potential fee waiver based on the following:
| Card Type | Welcome Gift Spend Requirement | Welcome Gift Value | Yearly Spend Requirement to Waive Annual Fees |
|---|---|---|---|
| Petron BPI Card | PHP 30,000 | PHP 6,000 | PHP 180,000 |
| BPI Rewards Card | |||
| BPI Gold Rewards Card | |||
| BPI Amore Cashback Card | |||
| BPI Platinum Rewards Card | PHP 60,000 | PHP 12,000 | PHP 400,000 |
| BPI Signature Card | PHP 90,000 | PHP 18,000 | Not Applicable |
Bonus eGCs
Bonus offers depend on specific actions:
| Bonus eGC Value | Eligible Cardholders | Qualification Requirements |
|---|---|---|
| PHP 250 | All Eligible Cardholders under this Promo | Must submit the application within the Promo Period and activate the approved card within forty-five (45) calendar days from the approval date. |
| PHP 1,000 | Select BPI Depositors who are Eligible Cardholders under this Promo | |
| PHP 500 | Eligible Cardholders under this promo | Must apply for and be approved for two (2) qualified BPI Credit Cards. The second card application must be submitted within ten (10) calendar days from the application date of the first card. Cards must be activated within spend period. |
Eligibility
The promotion is available to individuals applying for qualified BPI credit cards during the promo period. Eligible cardholders include:
- Applicants for Petron BPI Card, BPI Rewards Card, BPI Gold Rewards Card, BPI Amore Cashback Card, BPI Platinum Rewards Card, or BPI Signature Card.
- Note: BPI Rewards Card, BPI Gold Rewards Card, and BPI Platinum Rewards Card cannot be issued to the same individual simultaneously.
- Applications approved by July 31, 2026, if submitted within the promo period, with no existing principal BPI card and no cancellations in the last 12 months.
For two cards, the second application must be within 10 days of the first to qualify for the PHP 500 bonus.
Card conversions or upgrades adjust the welcome gift based on the new variant but disqualify from fee waiver.
Spends are tracked per card; they do not combine across cards.
Registration
Eligible cardholders receive a unique promo code via SMS or email. Registration is required for welcome gifts and bonuses. Steps include:
- Via SMS: Text BPICCREG to 225687 (e.g., BPI CCREG 1234ABCD).
- Via eGC Hub: Visit the BPI website, search for “Back-to-Back Perks,” and enter the code with details.
One registration covers multiple cards. Confirmations come via SMS or portal. Update contact info for smooth validation. By registering, you agree to BPI's and Giftaway's data policies.
Welcome Gift
Qualify by meeting spends within periods tied to approval dates:
| Card Type | Welcome Gift Spend Requirement | Welcome Gift Value |
|---|---|---|
| Petron BPI Card | PHP 30,000 | PHP 6,000 |
| BPI Rewards Card | ||
| BPI Gold Rewards Card | ||
| BPI Amore Cashback Card | ||
| BPI Platinum Rewards Card | PHP 60,000 | PHP 12,000 |
| BPI Signature Card | PHP 90,000 | PHP 18,000 |
| Approval Date | Registration and Spend Period |
|---|---|
| March 10, 2026 to March 31, 2026 | March 10, 2026 to May 31, 2026 |
| April 1, 2026 to April 30, 2026 | April 1, 2026 to June 30, 2026 |
| May 1, 2026 to May 31, 2026 | May 1, 2026 to July 31, 2026 |
| June 1, 2026 to June 30, 2026 | June 1, 2026 to August 31, 2026 |
| July 1, 2026 to July 31, 2026* | July 1, 2026 to September 30, 2026 |
*For cards approved in July, only applications submitted within the Promo Period shall be considered eligible for the Promo.
Valid transactions:
- Retail, SIP (merchant, schools, hospital), Credit-to-Cash, Balance Transfer, Utility Bills, Pay Bills via Credit Card.
Excluded: Fees, Cash Advances, eCredit, Balance Conversion, Bail/Bond, Casino/Gambling, Money Transfer, Quasi-cash, Political, Stock/FX trading, Mobile wallets (e.g., GrabPay, GCash), Business-related.
Spends by principal and supplements count toward principal. Track via eGC Hub, updated biweekly after cut-offs like March 31, 2026, and July 15, 2026.
Bonus eGCs
Qualify as per the bonus table above. Registration is needed. For two cards, activation within spend period is required.
Redemption of Welcome Gift and Bonus eGC Offers
After the spend period, Giftaway notifies via SMS/email. Redeem within 60 days via eGC Hub or forfeit.
| Approval Date | Registration and Spend Period | eGC Awarding Notification from Giftaway | EGC Redemption Validity |
|---|---|---|---|
| March 10, 2026 to March 31, 2026 | March 10, 2026 to May 31, 2026 | June 2026 | 60 days from date of awarding notification from Giftaway |
| April 1, 2026 to April 30, 2026 | April 1, 2026 to June 30, 2026 | July 2026 | |
| May 1, 2026 to May 31, 2026 | May 1, 2026 to July 31, 2026 | August 2026 | |
| June 1, 2026 to June 30, 2026 | June 1, 2026 to August 31, 2026 | September 2026 | |
| July 1, 2026 to July 31, 2026* | July 1, 2026 to September 30, 2026 | October 2026 |
Choose from categories:
| Categories | Merchants |
|---|---|
| Travel | Auto Sweep RFID, Avis, BIG Loyalty Points, Cathay Pacific, Easytrip RFID, Klook, Pacsafe, Raja Travel, The Travel Club, Tumi |
| Essentials | AllDay Supermarket, foodpanda, Grab, Landers, Mercury Drugstore, Metro Supermarket, Price LOQ, Puregold, Robinsons Supermarket, S&R, Shell GO+, Shopwise, Southstar Drug, The Marketplace |
| Electronics | Abenson, Anson’s, Automatic Centre, Digital Walker, Power Mac Center, Robinsons Appliances, SM Appliance Center, Western Appliances |
| Shopping | Daiso Japan, Fully Booked, H&M, IKEA, Landmark, Lazada Wallet, Metro Department Store, National Bookstore, Robinsons Department Store, Rustan's Department Store, ShopeePay, SM Gift Pass, SSI Group, Inc., Toys R Us, True Value, ZALORA |
| Dining | The Bistro Group, Buffalo Wild Wings, Bulgogi Brothers, ChowCiao, Denny's, El Pollo Loco, Fish and Co., Hard Rock Cafe, Italianni's, Las Flores, Modern Shanghai, Savage MNL, Texas Roadhouse, The Test Kitchen, Watami, Longhorn Steakhouse, T.G.I. Friday's, Max's Group, Dencio's, Jamba Juice, Krispy Kreme, Pancake House, Sizzlin Steak, Teriyaki Boy, Yellow Cab, Max's, The Moment Group, 8Cuts, Din Tai Fung, Mo’ Cookies, Ooma, The Mess Hall, Manam |
Welcome gifts in PHP 500 denominations; bonuses as specified. Unused balances forfeit. eGCs are one-time, non-transferable, non-refundable. Cannot combine with other offers. Monitor status in eGC Hub; BPI/Giftaway not liable for losses.
Yearly AMF Waiver
Waive fees by meeting annual spends from card anniversary:
| Card Type | Yearly Spend Requirement to Waive Annual Membership Fees |
|---|---|
| Petron BPI Card | PHP 180,000 |
| BPI Rewards Card | |
| BPI Gold Rewards Card | |
| BPI Amore Cashback Card | |
| BPI Platinum Rewards Card | PHP 400,000 |
| BPI Signature Card | Not Applicable |
| BPI Customer | Non-Promo BPI Offer | Effectivity for the AMF Waiver (Subject to Yearly Spend Requirement) |
|---|---|---|
| Personal Customer | No Annual Fee for 1st Year | 2nd Year Onwards |
| Preferred Customer | No Annual Fee for 1st 3 Years | 4th Year Onwards |
Valid/excluded transactions match welcome gift. Principal and supplements' spends combine per card. Supplements follow standard fees. Waiver appears then reverses on statement.
Other Conditions
Cards must remain active. Cannot combine with other promos; BPI's decision final with DTI. Fraud leads to disqualification. BPI terms apply. Employees ineligible. Subject to BSP rules.
Frequently Asked Questions
For more details, check the frequently asked questions.
Customer Support
Contact BPI at send us a message or call (+632) 889-10000.
Per DTI Fair Trade Permit No. FTEB-250009, Series of 2026.