Enjoy financial flexibility with a versatile and rewarding everyday credit card. Take care of your basic needs while enjoying the privileges you deserve. Charge your groceries, gas, utilities, or installment purchases and be rewarded on everyday spend.
Live a life without worries; take advantage of greater purchasing power with higher spending limits. Shop, dine, travel and enjoy more perks and rewards on all your spending.
Enjoy life’s luxuries and freedom to purchase the finer things the world has to offer using your premium card. Use your card anywhere in the world and take advantage of exciting privileges and exclusive benefits, and get billed in Philippine Peso. Less Complicated. More Privileges.
Discover a world of exclusive experiences. Turn moments into memories. Gain access to luxury travel benefits and privileges, and extraordinary experiences such as Destination Limo, Mastercard Epicurean Experiences, Mastercard Airport Concierge services. Make your life with personalized assistance to help you with travel and entertainment arrangements anytime, anywhere. Use your card anywhere in the world and get billed in Philippine Peso. Less Complicated. More Privileges.
A card that provides easy and reliable cash loan. Get cash when you need it and enjoy low-interest rates at fixed installment terms.
Shop anywhere in the Philippines and overseas. Bank of Commerce credit card is accepted in more than 30 million affiliated establishments worldwide. All your purchases will be billed and paid in Philippine peso (PHP).
For every Php25 spent on your Bank of Commerce MasterCard Credit Card, card holders will earn one (1) Rewards point. Earn as much as 5x Rewards points when using the card at select dining and shopping establishments. Exchange points from a wide selection of rewards merchandise.
Shop at selected establishments and avail of installment offers as low as 0% interest payable in 3, 6, 12, 18, 24 and 36 months.
Take advantage of low monthly interest rates when you transfer your other credit card balances to your Bank of Commerce credit card.
Avail of cash advance and withdraw up to 30% of your approved credit limit over the counter at any Bank of Commerce branches and via Bank of Commerce ATMs nationwide or any ATMs with Mastercard logo using your cash advance PIN. Applicable cash advance interest and service fee will apply.
Experience a safer way to shop online with Bank of Commerce Online Protect. It’s an additional layer of security to authenticate online purchases through a One-Time Password generation.
All Bank of Commerce cardholders are automatically enrolled in Bank of Commerce Online Protect. It’s an additional layer of security to authenticate online purchases. It requires you to enter a unique One-Time Password which will be sent to your active mobile number that we have on record. To guarantee receipt of your One-Time Password, please ensure to update your mobile number through our Customer Care Hotline at (02) 8632 2265 or any of our Domestic Toll-free numbers: (PLDT) 1800-10-982-6000 and (Globe Lines) 1800-8-982-6000, from 7:00am –7:00pm daily or send us an email at customerservice@bankcom.com.ph .
1. What is Bank of Commerce Online Protect?
Bank of Commerce Online Protect is an additional layer of security to authenticate purchases done through secure merchant websites.
2. Why is One-Time Password (OTP) necessary?
The OTP protects you from online fraud as it verifies and confirms that the transaction is made by the correct Cardholder.
3. How can I avail of this facility?
ALL cardholders are automatically enrolled in Bank of Commerce Online Protect. To ensure receipt of your OTP, please update your mobile number by calling our Customer Care Hotline at (02) 8632 2265 or any of our Domestic Toll-free numbers: (PLDT) 1800-10-982-6000 and (Globe Lines) 1800-8-982-6000.
4. Is there a fee for the One-Time Password?
Generation of One-Time Password is free of charge. However, normal charges apply on the SMS and/ or roaming facility provided by your Telco.
5.What will happen if my mobile number is not updated, will I still be able to make on-line purchases?
For online purchases made at secure online merchants, you will be required to input the correct OTP to be able to proceed with the transaction. Therefore, you must update your mobile number to ensure successful transaction. If you are a Supplementary Cardholder, please ensure as well that you have provided your mobile number. For updating of mobile number, please call our Customer Care Hotline at (02) 8632 2265 or any of our Domestic Toll-free numbers: (PLDT) 1800-10-982-6000 and (Globe Lines) 1800-8-982-6000 or send an email at customerservice@bankcom.com.ph
6. Will I still receive my OTP if I’m out of the country?
Yes, as long as your mobile roaming facility is activated.
7. What will happen if I key in the wrong OTP?
You are only allowed three (3) tries to enter the correct OTP. On the succeeding incorrect try, you will no longer be able to continue using your Bank of Commerce credit card. You need to call the Customer Care Hotline at (02) 8632 2265 or any of our Domestic Toll-free numbers: (PLDT) 1800-10-982-6000 and (Globe Lines) 1800-8-982-6000 to reactivate your OTP.
8. Will my OTP expire if I don’t use it immediately?
The OTP is valid only for 4 minutes.
IMPORTANT: Sending and receipt of OTP via SMS is dependent on the connectivity and services provided by your mobile service provider and service providers engaged by Bank of Commerce.
Go paperless and receive your monthly billing statement the fastest and most convenient way through your email address. All you need is an active email and you can receive your credit card E-Statement right in your inbox.
Tap and pay in a snap using your Bank of Commerce Mastercard Contactless Credit Card.
Frequently Asked Questions:
1. What is Mastercard Contactless?
Mastercard Contactless uses a hidden embedded computer chip and radio frequency antennae to make a secure and safe payment transaction by simply tapping the card at any contactless payment terminal.
2. How do I know if my Bank of Commerce Mastercard is equipped with Mastercard Contactless?
Bank of Commerce Mastercard Contactless credit card has the Contactless Symbol on the card.
3. How do I pay using my Bank of Commerce Mastercard Contactless Credit Card?
To make a purchase, simply tap your Bank of Commerce Mastercard Contactless Credit Card on contactless payment terminal at checkout counters.
4. How close does the “tap” have to be to the contactless payment terminal?
It must be within an inch or two of the contactless symbol on the terminal at the counter. If you have more than one contactless card in your wallet, do not tap your wallet against the terminal. Instead, remove the specific card you would like to use rather than tapping your wallet against the reader.
5. How does contactless payment work?
Contactless uses a hidden embedded computer chip and radio frequency antennae. After you tap your contactless card at checkout, payment details are sent wirelessly to the Mastercard network.
6. Is it safe to use Contactless payments?
Yes, absolutely. Contactless payments provide secure encryption technology and are as safe as your regular card.
• You are in control – your contactless-enabled card or device never leaves your hands to make a payment.
• No accidental payments – your contactless-enabled card or device must be close to the reader at checkout to work.
• Not billed twice – even if you tap more than once at checkout, you’ll only get billed once for your purchase.
7. Why wasn’t I asked to sign the charge slip after my contactless transaction?
To ensure that using contactless is as simple and convenient as cash, some merchants may not require signatures for purchases lower than Php2,000.
8. Can I still use my contactless credit card on non-contactless payment terminals?
You can still use your contactless credit card by dipping your card or swiping your card at the payment terminal.
9. Do I have to treat my Bank of Commerce Mastercard Contactless Credit Card in any special way?
Take care of your contactless credit card as you would any other credit card. Always know where your contactless card is and keep it in a safe place. If you have lost your card, please report immediately at Bank of Commerce Customer Care (02) 8632-2265 or Domestic Toll-free numbers: 1800-10-982-6000 (PLDT) & 1800-8-982-6000 (Globelines).
Mastercard Automatic Billing Updater (ABU) is a new security and convenience service of Mastercard that helps avoid transaction declines due to changes in card information such as card number and expiry date. Your updated card information is automatically provided safely and securely to participating merchant partners for your card-on-file transactions, enrolled automated payments and recurring bills. No need to manually update your credit card information in case your card details change due to card renewal, card replacement due to lost or stolen card, or card upgrades.
All Bankcom cardholders are automatically enrolled in this service for convenient and seamless updating of your card details for your recurring bills, automated payments and card-on-file transactions for E-Commerce, Memberships, Streaming merchants, Utilities, etc. ABU helps prevent transaction declines, penalties and service disruption.
Secure. Convenient. Worry-free.
For more information, you may call our call Bank of Commerce Customer Care Hotline: (02) 8-632-2265; Domestic Toll-Free numbers: (PLDT) 1800-10-982-6000 and (Globe Lines) 1800-8-982-6000, or send us an email at customerservice@bankcom.com.ph
All Principal and Supplementary cardholders up to 70 years old are covered for up to Php 2 million in Travel Accident, Medical Expense, and Inconvenience Benefits every time you charge your entire fare for travel (airline tickets and other means of public transport) to your Bank of Commerce Platinum credit card when you travel abroad.
It provides protection up to a maximum of 15 days for international travel while taking a trip on a common carrier conveyance or scheduled flight, as a fare-paying passenger.
Click here to know more.
Enjoy the convenience of two separate billing for local and international purchases. All local purchases will be billed and paid in Philippine Peso (PHP) while international purchases will be billed and paid in US Dollars (USD).
List of acceptable IDs:
The Bank may require an additional valid ID with photo when necessary.
Employed
Any of the following:
Self-Employed
ANY OF THE FOLLOWING:
Professional
Non-Filipino Citizen
Any of the following:
| FEES AND CHARGES | |||||
|---|---|---|---|---|---|
| FEES / CHARGES | CLASSIC | GOLD | PLATINUM | WORLD | CASH INSTALLMENT CARD |
| Annual Membership Fee | Php2,400 billed on installment for 12 months. Php200.00 billed every month. | ||||
| Principal Card | Php1,500 | Php3,000 | Php4,000 *Php5,000 | Php5,000 *Php6,000 | |
| Supplementary Card | Php750 | Php1,500 | Php2,000 *Php2,500 | Php2,500 *Php3,000 | NA |
| Finance Charge / Interest Rate Per Month | 3% | 3% | 3% | 3% | 3% |
| Finance Charge/ Interest Rate Computation | The finance charge will arise from the non-payment in full of the outstanding balance on a given statement cut-off date and shall continue to be imposed until the outstanding balance and applicable interest are fully paid. Interest will be computed based on the previous outstanding balance as reflected in the current Statement of Account computed from start of the cycle date to a day before the payment transaction date plus previous outstanding balance less payment made and any credit adjustment computed from the payment date to next cycle date. Interest on cash advances are computed from transaction date to the next statement date. | ||||
| Minimum Amount Due | 5% of the Total Outstanding Balance or Php500 whichever is higher (Peso billing); or 3% of the Total Outstanding Balance or USD50 whichever is higher (Dollar billing). The minimum amount due consists of the following: (a) a % of the Total Outstanding Balance inclusive of all fees and charges, (b) past due amount, (c) monthly installment amount and (d) any amount in excess of the credit limit. The minimum amount due is the sum of (a), (b), (c) & (d) or Php500/USD50, whichever is higher. | ||||
| Late Payment Fee | Php1,000 or the unpaid minimum amount due, whichever is lower. | Php1,000 or the unpaid minimum amount due, whichever is lower (Peso billing); or USD20 or the unpaid minimum amount due, whichever is lower (Dollar billing). | Php1,000 or the unpaid minimum amount due, whichever is lower. | ||
| Cash Advance Fee & Interest | Php200 per transaction plus prevailing finance charge | Php200 per transaction (Peso Billing) or USD4 per transaction (Dollar Billing) plus prevailing finance charge | NA | ||
| Cash Advance Service Charge (Over-the-Counter) | Php100 | NA | |||
| Cash Loan Availment Fee | NA | NA | NA | NA | Php200 per transaction |
| Foreign Currency Conversion Fee | Purchases in foreign currencies will be converted automatically to Philippine Peso at Mastercard’s currency conversion rate plus foreign currency conversion fee of 2.5% (consists of Mastercard’s assessment fee and Bank of Commerce Service Fee) | ||||
| *Purchases in third currencies (non-dollar) will be converted automatically to US dollar at Mastercard’s currency conversion rate plus foreign currency conversion fee of 2.5% (consists of Mastercard’s assessment fee and Bank of Commerce Service Fee) | |||||
| Charge Slip Retrieval Fee | Php300 for local and USD6 for international purchases | ||||
| Card Replacement Fee | Php 500 for lost card or damaged card | ||||
| Returned Check Fee | Php1,000 | ||||
| Installment Pre-termination Fee | Php1,000 | ||||
| Closed Account Maintenance Fee | Php200 | ||||
| Gaming Transaction Service Fee | 5% of the transaction amount | ||||
| Overlimit Fee | Php700 when outstanding balance exceeds credit limit (transactions plus interest and fees) | Php700 or USD12 when outstanding balance exceeds credit limit (transactions plus interest and fees) | Php700 when outstanding balance exceeds credit limit (transactions plus interest and fees) | ||
| Quasi Cash Fee | 5% of the transaction amount/ quasi cash transaction | ||||
| SOA Re-Print Fee | Php100 per re-print request of SOA | ||||
| Refund Fee | Php500 per request (refund for over payment only) | ||||
| Multiple Payment Fee | Php50 for each payment in excess of 3 payments within the same cycle from non-BankCom payment channel. | Php50 or USD1 for each payment in excess of 3 payments within the same cycle from non-BankCom payment channel. | Php50 for each payment in excess of 3 payments within the same cycle from non-BankCom payment channel. | ||
| ADA (Auto Debit Arrangement) Fee | Php200 for every unsuccessful ADA processing due to insufficient funds | Php200 or USD4 for every unsuccessful ADA processing due to insufficient funds | Php200 for every unsuccessful ADA processing due to insufficient funds | ||
| Certification Fee (Certification of full payment or good credit standing) | Php 300 per issuance of Certification of full payment or good credit standing | ||||
* Applicable for Dual Currency Billing product
| INSTALLMENT PROGRAM PROCESSING FEES | |
| GET CASH | Php200 |
| CONVERT TO INSTALLMENT | Php100 |
| BALANCE CONVERT | Php100 |
| BALANCE TRANSFER | Php100 |
| BALANCE TRANSFER NOW PAY LATER | Php100 |
| BACK TO SCHOOL | Php200 |
A. Retail Transaction
| Outstanding Balance: | Php50,000 |
| Payment Amount: | 5% of the outstanding balance |
| Payment Timing: | 20 days after statement date |
| Monthly Interest Rate: | 3% |
| Assumptions: | |
| a. Retail purchases made on the statement cycle date | |
| b. No other purchases/cash advance/installment transactions made for 12 months | |
| c. No other charges/fees incurred during the 12 months period |
| Month | Retail Transaction | Payment | Interest | Outstanding Principal Balance | Total Outstanding Balance | Minimum Amount Due |
|---|---|---|---|---|---|---|
| 1 | 50,000.00 | 50,000.00 | 50,000.00 | 2,500.00 | ||
| 2 | 2,500.00 | 1,475.01 | 47,500.00 | 48,975.01 | 2,448.75 | |
| 3 | 2,448.75 | 1,444.77 | 46,526.26 | 47,971.03 | 2,398.55 | |
| 4 | 2,398.55 | 1,415.16 | 45,572.48 | 46,987.64 | 2,349.38 | |
| 5 | 2,349.38 | 1,386.15 | 44,638.26 | 46,024.41 | 2,301.22 | |
| 6 | 2,301.22 | 1,357.73 | 43,723.19 | 45,080.92 | 2,254.05 | |
| 7 | 2,254.05 | 1,329.90 | 42,826.87 | 44,156.77 | 2,207.84 | |
| 8 | 2,207.84 | 1,302.64 | 41,948.93 | 43,251.57 | 2,162.58 | |
| 9 | 2,162.58 | 1,275.93 | 41,088.99 | 42,364.92 | 2,118.25 | |
| 10 | 2,118.25 | 1,249.78 | 40,246.67 | 41,496.45 | 2,074.82 | |
| 11 | 2,074.82 | 1,224.16 | 39,421.63 | 40,645.79 | 2,032.29 | |
| 12 | 2,032.29 | 1,199.06 | 38,613.50 | 39,812.56 | 1,990.63 |
B. Cash Advance Transaction
| Cash Advance Transaction: | Php20,000 |
| Payment Amount: | Initial payment is sufficient to pay off the Cash Advance Fee or/Minimum Amount Due |
| Payment Timing: | 1 day after statement date |
| Monthly Interest Rate: | 3% |
| Assumptions: | |
| a. Cash advance made on the statement cycle date | |
| b. No other purchases/cash advance/installment transactions made for 12 months | |
| c. No other charges/fees incurred during the 12 months period | |
| d. Cash Advance Fee is fixed to Php200 or USD4 |
| Month | Cash Advance Transaction | Payment | Interest | Outstanding Principal Balance | Total Outstanding Balance | Cash Advance Fee | Minimum Amount Due |
|---|---|---|---|---|---|---|---|
| 1 | 20,000.00 | 20,000.00 | 20,200.00 | 200.00 | 1,010.00 | ||
| 2 | 1,010.00 | 606.00 | 19,190.00 | 19,796.00 | 989.80 | ||
| 3 | 989.80 | 593.88 | 18,806.20 | 19,400.08 | 970.00 | ||
| 4 | 970.00 | 582.01 | 18,430.08 | 19,012.09 | 950.60 | ||
| 5 | 950.60 | 570.37 | 18,061.49 | 18,631.86 | 931.59 | ||
| 6 | 931.59 | 558.96 | 17,700.27 | 18,259.23 | 912.96 | ||
| 7 | 912.96 | 547.78 | 17,346.27 | 17,894.05 | 894.70 | ||
| 8 | 894.70 | 536.83 | 16,999.35 | 17,536.18 | 876.81 | ||
| 9 | 876.81 | 526.09 | 16,659.37 | 17,185.46 | 859.27 | ||
| 10 | 859.27 | 515.57 | 16,326.19 | 16,841.76 | 842.09 | ||
| 11 | 842.09 | 505.26 | 15,999.67 | 16,504.93 | 825.25 | ||
| 12 | 825.25 | 495.15 | 15,679.68 | 16,174.83 | 808.74 |
C. Installment Transaction
| Principal Amount | Php10,000.00 |
| Installment Term | 12 months |
| Monthly Add On Rate | 1.00% |
| Effective Interest Rate: | Annual – 21.46% |
| Month | Monthly Installment Due | Interest Component | Principal Component | Outstanding Principal Balance |
|---|---|---|---|---|
| 0 | 10,000.00 | |||
| 1 | 933.33 | 178.81 | 754.52 | 9,245.48 |
| 2 | 933.33 | 165.31 | 768.02 | 8,477.46 |
| 3 | 933.33 | 151.58 | 781.75 | 7,695.71 |
| 4 | 933.33 | 137.60 | 795.73 | 6,899.98 |
| 5 | 933.33 | 123.38 | 809.95 | 6,090.03 |
| 6 | 933.33 | 108.89 | 824.44 | 5,265.59 |
| 7 | 933.33 | 94.15 | 839.18 | 4,426.41 |
| 8 | 933.33 | 79.15 | 854.18 | 3,572.23 |
| 9 | 933.33 | 63.87 | 869.46 | 2,702.77 |
| 10 | 933.33 | 48.32 | 885.01 | 1,817.76 |
| 11 | 933.33 | 32.50 | 900.83 | 916.93 |
| 12 | 933.37 | 16.44 | 916.93 | 0 |
| TOTAL | 11,200.00 | 1,200.00 | 10,000.00 |
Cardholders may pay in cash, check or by giving instructions to transfer funds from their Bank of Commerce bank account. All payment due must be received and posted on or before the Payment Due Date stated on your Statement.
Check payment should be made payable to “Bank of Commerce.” Payment by check shall be considered made after the prescribed clearing period. Please allow normal banking clearing period for check payments. For check payments to be posted, funds must be cleared and available on or before the Payment Due Date.
Pay your credit card bill via any of the following channels:
Bank of Commerce
BPI QuickPay
To update, please call Customer Care at (02) 8632-2265; Domestic Toll-free numbers: (PLDT) 1-800-10-982-6000 and (Globe Lines) 1-800-8-982-6000; or send an email to customerservice@bankcom.com.ph
BANKCOM [PERSONAL] FAQ FOR CREDIT CARD
1. CAN I SIGN UP ON THE BANKCOM [PERSONAL] AND MOBILE BANKING APP IF I AM NOT A BANK DEPOSITOR?
Yes, you may use your BankCom Credit Card account to sign up for BankCom [Personal] and mobile app.
2. WHAT CREDIT CARD TRANSACTIONS CAN I DO ON THE BANKCOM [PERSONAL] AND MOBILE BANKING APP?
You can perform the following transactions and access the features below:
Additional features will be announced as it becomes available.
3. HOW DO I ENROLL MY BANKCOM CREDIT CARD WITH BANKCOM [PERSONAL] AND MOBILE APP? (FOR NEW USER)
For Web, accomplish the Validation and click ‘Next’.
8. Review the details displayed and click ‘Submit’.
9. A notification message with Reference number will appear.
For Web, click the Printable Version > Print if you want to print the Enrollment Details. Otherwise, wait for the Activation Code page to appear.
4. HOW DO I ACTIVATE MY CREDIT CARD ENROLLMENT WITH BANKCOM [PERSONAL] AND MOBILE APP? (NEW USER)
For Web:
For App:
5. HOW DO I ENROLL MY BANKCOM CREDIT CARD WITH BANKCOM [PERSONAL] AND MOBILE APP? (FOR EXISTING USER)
6. HOW DO I VIEW MY CREDIT CARD ACCOUNT DETAILS?
For Web:
For Credit Card, click the Card Number and the ff. will appear: Credit Limit, Statement Balance, Due Date, Cycle/Statement Date, Cash Advance Limit, Minimum Amount Due, Last Payment Amount, Last Payment Date.
For App:
7. HOW DO I VIEW MY CREDIT CARD TRANSACTION HISTORY?
For Web:
For App:
8. HOW DO I EDIT/DELETE MY ENROLLED CREDIT CARD ACCOUNT?
Available only through online – BankCom [Personal] and not on the mobile app.
A notification with reference number will prompt at the top part of the page confirming the successful update to your account.
9. WHO CAN I CONTACT FOR CONCERNS ABOUT BANKCOM [PERSONAL]?
You may call BankCom’s Customer Care at (02) 8632-2265 or any of Domestic Toll-free Numbers: (PLDT) 1800-10-982-6000 and (Globe Lines) 1800-8-982-6000, or email customerservice@bankcom.com.ph
Salient Provisions of Republic Act No. 3765 (“Truth in Lending Act”)
It is the policy of the State to protect its citizens from a lack of awareness of the true cost of credit to the user by assuring a full disclosure of such cost with a view of preventing the uninformed use of credit to the detriment of the national economy.
Definition of Terms
Each person to whom credit is extended, prior to the consummation of the transaction, shall be furnished a clear statement in writing setting forth, to the extent applicable and in accordance with rules and regulations prescribed by the Monetary Board, the following information:
The disclosure statement in writing is a required attachment to the credit transaction contract. The borrower has a right to demand a copy of the disclosure statement.
For more information and advice, you may visit the Credit Card Association of the Philippines
(CCAP) website at www.ccap.net.ph
