CREDIT CARD REVIEW

BPI Sky Miles Mastercard

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…

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BPI Sky Miles Platinum
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PHP 15,000.00

MINIMUM MONTHLY INCOME

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PHP 2,050.00

ANNUAL FEE

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3.5% per month

APR

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PHP 45.00 : 1 mile

POINT TO MILE RATIO

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0.75% of the foreign exchange rate at the moment

FOREIGN TRANSACTION FEE

Quick Overview

Who is the Card For?

The BPI Sky Miles Mastercard is one of a handful of pure mileage cards in the Philippines. With its incredibly low-income requirement, it’s accessible even for rank-and-file employees. It’s one of the best credit cards for those who want to enter the mileage collecting troupe.

This credit card is for people who are very new to credit cards in general but have a distinct want to use it for traveling. Avid fans of Delta Airlines would want this or the other, platinum version of this card.

PROS:

  • Very Low-Income Requirement
  • Only co-branded card of a Sky Team member in the Philippines

CONS:

  • High Point-to-mile ratio

Special Features

  • Earn 1 SkyMile automatically for eveyr PHP45.00 spent
  • Access to other SkyMiles partners

Perks and Benefits

The credit card doesn’t have any signup bonuses as of now, but it does have multiple benefits as provided by Metrobank.

  • SkyMiles miles are transferrable and non-expiring
  • Travel Insurance of up to PHP10 Million
  • Contactless technology
  • 0% monthly installment with partner merchants
  • Balance Transfers can be paid for 3 to 36 months.

Points and Miles

The BPI SkyMiles Mastercard only earns SkyMiles. SkyMiles can be used for Delta Airways or any other SkyTeam airline member. The miles you earn don’t expire and are transferable which offers a bit of flexibility.

This is a simple travel credit card that is aimed for people who are flyers of Delta and SkyTeam. Though the point-to-mile ratio isn’t all that great, it’s still a pretty useful card for a handful of people—those being avid flyers of Delta.

It’s worth noting that the premium version of this card, BPI SkyMile Platinum Mastercard doubles the miles that you earn—which is a decent upgrade to this seemingly bland credit card.

Card Details

Monthly Interest Rate

3.50%

Cash Advance Monthly Effective Interest Rate

3.51%

Membership Fee (Principal)

P2,050

Membership Fee (1st Supplementary)

Free for Life

Membership Fee (2nd to 6th Supplementary)

P1,025

Cash Advance

3% of the Cash Advance amount or P500, whichever is higher, per transaction/availment basis

Foreign Currency Conversion

0.85% of the converted amount plus the 1% assessment fee of Mastercard/Visa, using the foreign exchange rate of mastercard/Visa at the time the transaction is posted

Gaming Transaction

P500 or 3% of the gaming transaction, whichever is higher, shall be charged for every gaming transaction in casinos and/or online betting

Special Installment Plan Pre-termination

P550 pre-termination fee plus additional 2% interst on the loan principal amount if pre-terminated before the first billing. If pre- termination is done after the first billing, the monthly payment shall be applied to interest then to the load principal using the diminishing balance method plus a pre-termination fee of P550

Card Replacement

P400

Charge Slip Retrieval

P300

Check Protect

P1,200 or 2% of the funded check amount by the BPI Credit Card, whichever is higher

Statement of Account Copy

P200

Account Maintenance Fee

P200/month or the overpayment amount if less than P200 will be debited from: Closed credit card accounts with overpayment for more than one month from the date of termination/ cancellation B) Credit card accounts with over payment with no activity for the past 12 months.

Express Start Cancellation Fee

P1,500

Late Payment

P850 or equivalent to the value of unpaid minimum amount due, whichever is lower, per occurrence per card

Returned Check

P100 for every returned check and additional 6% of the checked amount

Attorney's Fee

25% of the amount due

Liquidated Damages

25% of the unpaid amount, plus litigation and judicial costs

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 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.

We can’t say that we recommend this card, as there are far better ones out there, but this is definitely a good starting point.

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).

Other Cards

Metrobank Travel Platinum Visa

Monthly Income: PHP 67,000.00

Annual Fee: PHP 5,000.00 (waived for the first year)

APR: 3.5%

Point to Mile Ratio: PHP 17.00 = 1 Mile (overseas expenses)

Transaction Fee: 3.50%

Learn More

Citi PremierMiles

Monthly Income: PHP 30,000.00

Annual Fee: PHP 5000.00

APR: 3.5%

Point to Mile Ratio: PHP 30.00 : 1 Mile

Transaction Fee: 3.525%

Learn More

PNB-PAL Mabuhay Miles World MasterCard

Monthly Income: PHP 40,000.00

Annual Fee: PHP 6,000.00 (waived for the first year)

APR: 2.7%

Point to Mile Ratio: PHP 30.00 = 1 mile

Transaction Fee: 2.50%

Learn More
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