The Edge is the Mastercard BPI positions for people getting their first card or their first job. The first year is free, and from the second year the ₱1,320 annual fee is billed as ₱110 a month instead of one lump sum.
Why do we recommend the BPI Edge Mastercard?
The fee is transparent, with no spend-based waiver to track. Rewards are simple too: 1 BPI Rewards Point for every ₱50 spent, and the points do not expire, so they can be exchanged for gift certificates or used to offset the fee.
Installments cover both purchases and cash, with terms of up to 36 months, and cash advances reach up to 30% of the available limit for a ₱200 flat fee. Abroad or in foreign apps, BPI charges 0.85% plus the 1% Mastercard assessment fee.
Author’s opinion
We think the Edge is a good first card if you pay the statement in full. The finance charge is 3% nominal per month, 2.73% effective, and a missed date adds a late charge of ₱850 or the unpaid minimum amount due, whichever is lower.
BPI does not publish the minimum income on the product page; you will see it on the application form. The paperwork is light: one valid ID and proof of income, or a statement from a card held at another bank.
Put subscriptions, groceries and transport on it and build a clean history.
I want to learn more about the BPI Edge Mastercard!
Who can apply, which documents BPI asks for and how the online application works are explained on the next page. Tap the button.
