Who can apply for the BPI Edge Mastercard?
The Edge is designed for young professionals and first-time cardholders who have a regular source of income. You need to be of legal age, have a valid government-issued or company ID and be able to show income. If you already hold a credit card with another bank, a recent statement of that card can replace the proof of income, which makes the process faster for people who are adding a second card.
As with any card, approval depends on BPI’s evaluation of your income, your existing obligations and your credit record with the Credit Information Corporation. Nobody, including us, can promise you an approval or a limit.
Requirements for the BPI Edge
✔️ Valid government-issued or company ID, front and back
✔️ Proof of income (payslip, certificate of employment or income tax return) or a credit card statement from another bank
✔️ Regular income; comparison sites list a floor of around ₱180,000 a year, confirm it on the BPI form
✔️ Active mobile number and e-mail address for verification
A tip for you!
Apply with the income document that shows the most stable figure. A certificate of employment with your monthly salary is usually stronger than a single payslip with overtime. If you are self-employed, the latest income tax return is what BPI looks at.
When the card arrives, activate it in the BPI app and set the statement due date reminder. The first year is free, so this is the year to build the habit of paying the total balance; from year two the ₱110 monthly fee is only worth it if you use the card and the rewards.
And keep the cash advance for real emergencies: it costs ₱200 per transaction and interest starts on the day you withdraw, with no interest-free period.
What are the fees of the BPI Edge Mastercard?
According to BPI’s credit card rates and fees page, the annual membership fee is free the first year and ₱110 a month afterwards. The finance charge is 3% nominal per month, equivalent to 2.73% effective. Cash advance costs a flat ₱200 per transaction. The late payment charge is ₱850 or the unpaid minimum amount due, whichever is lower. Foreign transactions cost 0.85% plus the Mastercard assessment fee of 1%. The minimum amount due is computed at 3.57% of the balance, with a floor of ₱850.
How to apply for the BPI Edge Mastercard?
The application is online through the official BPI website. You choose the Edge card, fill in your personal, employment and income details, upload the ID and the income document, and submit. BPI evaluates the application, may call to verify the information and notifies you of the result. If approved, the card is delivered to your address and you activate it in the BPI app.
If your ID and your proof of income are ready, press the button to go to the official BPI page and start your application.
Kredua is not a bank, a lending company or a financial institution, and we do not grant credit. We review products offered in the Philippines so you can decide with more information; every application is made directly with the institution, which is the only one that evaluates and approves it.
