BPI Blue Mastercard – MoneySmart Review 2019

The BPI Blue Mastercard is touted as ‘the sensible credit card’ because you earn reward points and receive free gifts whenever you use it.

It’s a no frills card that’s perfect for a first credit card or just for your everyday spending, but with more perks and privileges. Read on and find out more.

BPI Blue Mastercard at a Glance
Annual Fee	1,550 PHP
First Supplementary Card Annual Fee	Free for life
2nd to 6th Supplementary Card Annual Fee	775 PHP
Finance Charge	3.50%
Annual Minimum Income Requirement	180,000 PHP
Cash Advance	3% of the cash advance amount or 500 PHP, whichever is higher
Foreign Currency Conversion	0.85% of converted amount plus 1% Mastercard assessment fee

What can you enjoy with your BPI Blue Mastercard?

If you’re a new cardholder of the BPI Blue Mastercard, your annual membership fee on the first year is waived.

You are also eligible to earn Real Thrills Rewards Points with your shopping, dining, utilities, and groceries spending. That’s one Reward Point for every 35 PHP you spend.

Book your travel tickets with your BPI Blue Mastercard and you will also receive free travel insurance with coverage of up to 2 million PHP.

You can borrow up to 30% of your credit limit when you avail of the cash advance feature.

The BPI Blue Mastercard also comes with Contactless Technology. This means that you have faster transactions at checkout because no signature is required for small purchases. Click here to see the list of merchants that accept BPI contactless credit cards.

What can you redeem with your Real Thrills Rewards Points?

If you’re the principal cardholder, you can redeem different items from the rewards catalogue anytime, as long as you meet the required number of Real Thrills Rewards Points.

You can call the 24-hour BPI Express Phone Banking Hotline at 89-100 or send an email of your redemption requests to [email protected].

Shopping

Reward Items	Reward Points Needed
1,000 PHP Shopping Credits 500 PHP Shopping Credits 100 PHP Shopping Credits	10,000 Points 5,000 Points 1,000 Points
1,000 PHP SM Gift Pass 500 PHP SM Gift Pass 300 PHP SM Gift Pass 100 PHP SM Gift Pass	12,500 Points 6,700 Points 4,400 Points 2,100 Points
500 PHP National Bookstore GC 300 PHP National Bookstore GC	6,700 Points 4,400 Points
500 PHP Abenson GC	6,100 Points
500 PHP Automatic Center GC	6,100 Points
500 PHP Gaisano Mall GC	6,100 Points
500 PHP Western Marketing GC	6,100 Points
500 PHP Sodexo Premium Pass GC	6,700 Points
1,000 PHP Certified Calm GC	12,500 Points
1,000 PHP Mercury Drug GC	12,500 Points
1,000 PHP Sports House GC	12,500 Points
1,000 PHP PowerMac Gift Card	12,500 Points
1,000 PHP Ayala Malls E-GC	12,500 Points
1,000 PHP Rustan’s GC	12,500 Points

Leisure and Relaxation

Reward Items	Reward Points Needed
1 Manila Ocean Park Ticket	6,700 Points
1,000 PHP The Spa Wellness Gift Card	12,500 Points
2 Tickets for Ayala Malls Cinemas	4,400 Points

Dining

Reward Items	Reward Points Needed
1,000 PHP Makati Shangri-La Dining GC	12,500 Points
1,000 PHP Conrad Manila Dining GC	12,500 Points
Vikings Buffet Voucher (Weekend / Holiday) Vikings Buffet Voucher (Weekday Dinner / Weekday Lunch)	14,800 Points 10,600 Points
Four Seasons Buffet Voucher (Weekend Lunch /  Dinner ) Four Seasons Buffet Voucher ( Weekday Lunch )	11,700 Points 9,300 Points
1,000 PHP Marco Polo Cebu GC	12,500 PHP
1,000 PHP The Peninsula Manila GC	12,500 Points
1,000 PHP Bistro Wide GC	12,500 Points
1,000 PHP Burgoo GC	12,500 Points
700 PHP Starbucks GC	9,000 Points

Travel

Reward Items	Reward Points Needed
1,000 PHP Makati Shangri La Hotel Accommodation GC	12,500 Points
1,000 PHP Conrad Manila Hotel GC	12,500 Points
1,000 PHP Marco Polo Cebu GC	12,500 Points
1,000 PHP The Peninsula Manila GC	12,500 Points
500 GetGo Points	2,500 Points
Singapore Airlines KrisFlyer Miles	1 KrisFlyer Mile = 5 Points
AirAsia BIG Points	1 BIG Point = 4 Points
PAL Mabuhay Miles	1,000 Mabuhay Miles = 5,000 Points

Card Membership Fees

Reward Items	Reward Points Needed
BPI Blue Mastercard Principal Card	12,400 Points
BPI Blue Mastercard Supplementary Card	6,200 Points

Charities

Reward Items	Reward Points Needed
100 PHP Friends of Hope Inc. Donation	1,000 Points
100 PHP Smile Train Donation	1,000 Points
100 PHP BPI Foundation Donation	1,000 Points
100 PHP Habitat for Humanity Donation	1,000 Points
100 PHP Children’s Hour Donation	1,000 Points
100 PHP Caritas Manila Donation	1,000 Points
100 PHP Bantay Bata Donation	1,000 Points

What are the current promotions that you can avail with your BPI Blue Mastercard?

With your BPI Blue Mastercard, you can enjoy a 200 PHP discount on your first online booking at KLOOK. Simply enter the promo code BPIKLOOK200 until October 15, 2019.

Offer is valid only for new KLOOK users. There is no minimum spending requirement as well.

Get 10% discount on your hotel accommodations when you book via TravelBook PH with your Blue Mastercard. The first 6 digits of your card serve as your promo code.

There’s a minimum spend of 2,000 PHP, but you can get as much as 1,000 PHP in discounts. Promo is valid until December 15, 2019, and travel period is also until December 31, 2019.

You can also get up to 7% discount with your hotel bookings at Agoda when you book until December 31, 2019 using your card. Stay period is until June 30, 2020.

BPI Blue Mastercard cardholders can also receive 18% discount on flower arrangements at Flower Chimp with the promo code BPIFC18. There’s no minimum spend amount, and you can use the promo code more than once.

Purchase Ballet Philippines show tickets and avail of the Real 0% facility. You can pay for up to 12 months for your tickets, and the minimum spend is 3,000 PHP.

You can use your BPI Blue Mastercard to purchase tickets to Swan Lake, Midsummer Night’s Dream, Cinderella, Itim Asu and Other Dances, or Rama Hari. Learn more here.

Should you get the BPI Blue Mastercard?

To qualify for this card, you need to be earning at least 15,000 PHP a month and be at least 21 years old.

The annual fees are reasonable, and you can even get your first supplementary card for free. It’s a good card to use for daily expenses as well as for splurges, like travel or high-ticket items.

The reward points are also non-expiring, allowing you to save more and redeem bigger and more exciting rewards.

It offers the full range of privileges you’d want from a credit card without the hefty fees or high income requirements.

 

What do you think of the BPI Blue Mastercard? Does it sound like a credit card you will apply for? Share us your thoughts in the comments section!