BPI Sky Miles Platinum
  • Minimum Monthly Income:PHP 15,000.00
  • Annual Fee:PHP 2,050.00
  • APR: 3.50% per month
  • Point to Mile Ratio: PHP 45.00 : 1 mile
  • Foreign Transaction Fees:0.75% of the foreign exchange rate at the moment.

BPI Sky Miles Mastercard

Where is BPI Sky Miles Mastercard best used?

Although there are hardly any benefits to getting this card apart from the very low minimum monthly income, it’s still a good card to use for those who want to start traveling early on in their careers.

Avid flyers of Delta or any SkyTeam would probably want to upgrade to the BPI SkyMiles Platinum Mastercard to take advantage of double mile accrual for every Delta Airline Ticket that they buy.

This is one of the best cards that new cardholders can use to learn the ins and outs of accumulating miles.

We suggest that new cardholders use this credit card mainly to build up credit and to experience collecting miles as time goes on.

Perks and Benefits

  • Zero Monthly Installment
  • Free Travel Insurance of up to PHP20M
  • Free Access at Pacific Club at NAIA Terminal 3
  • 6 to 36 Balance Transfer

How to Apply

  1. Visit the BPI Credit Cards
  2. Click the Credit Card Button
  3. Choose either BPI Express Credit or BPI Family Credit Card
  4. Choose the Credit card of your choice.
  5. Fill out the online application form. And read the declaration at the bottom. Double check your entries.
  6. Click the Submit button. Submit the images of your documents via email to bpicardsales@bpi.com.ph. You can also mail photocopies to BPI themselves (8F BPI Buendia Center, 1209, Sen. Gil Puyat Ave., Makati City).

Our Thoughts

With a minimum monthly income of PHP15,000.00, BPI Sky Miles Mastercard is the most accessible out of all the credit cards here.

Note that although it’s the most accessible, it’s not our pick for the starter travel credit card, and that’s because the BPI Sky Miles Mastercard is co-branded through the partnership of BPI and Delta Airways.

The miles that you accrue for Delta Airways can be used for all of its partner airlines—those that are part of SkyTeam and a few other partners that they have. The pool from which cardholders can choose from is small, but there are a few gems here and there.

The credit card also has a high point-to-mile ratio of PHP45.00 for 1 air mile, making it quite hard to consistently collect air miles.

They also offer free travel insurance of up to 10,000,000— the specifics can be found on their website.

Card Details

Annual Fee PHP5,000
Annual Fee (Supplementary) PHP2,500
APR (Annual Percentage Rate) 3.50%
Min. Yearly Income PHP1,000,000
Min. Age for Principal Holder at least 21 years old
Min. Age for Supplementary Holder at least 13 years old
Do You Need a Postpaid Account? YES
Identification Needed TIN, SSS/GSIS
Card Replacement Fee PHP400
Sales Slip Retrieval Fee PHP300
Late Payment Charge The lower between PHP700 or equal to the value of the unpaid amount due.
Cash Advance Amount 50% of Credit Limit
Cash Advance Charge 3% of the CA amount or PHP500, whichever is higher
Cash Advance Interest Charge Varies (Total Interest + CA Fee all over Avg. Outstanding Principal Balance)
Cashback Limit N/A
Rewards Points Expiry N/A
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