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| Exclusive Features
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| The BPI Express Credit Cards are so valuably convenient to use with these exclusive and exciting features:
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| SUPERIOR CHIP TECHNOLOGY
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| BPI gives you the country's 1st and only EMV-compliant (Europay-MasterCard-Visa) chip card. With better encryption capability, EMV technology helps mitigate information fraud for a more secure transaction environment particularly when used in the 42 EMV-compliant countries in Europe, Middle-East and Asia Pacific.
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| REAL THRILLS
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| BPI Express Credit is the first to give you Real Thrills, an instant rewards system that knows a bit more about you – where you frequently shop and dine, how often, and when. So we can give you gifts that thrill you more – instantly, effortlessly, right where you love to stop.
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| 2 CREDIT LINES
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| Your BPI Express Credit Card comes with 2 separate lines, one for regular or straight purchases and another for installment. Installment billings are not subject to the monthly finance charge applied to regular purchases, so there are NO hidden charges.
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| S. I. P. FACILITY
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| Unload yourself with the burden of paying high-ticket items like appliances, furniture, tuition fees or even your other credit card's balances with the Special Installment Plan (S.I.P.) Facility. This helps you manage your budget because it gives you to pay in 3, 6, 9, 12, 18 or 24 installment terms at low, fixed add-on rates.
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| REWARDS
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| Treat yourself with travel packages, gadgets, appliances and a lot more because your BPI Express Credit Card allows you to earn Frequent User Privilege Points every time you use your credit card (1 point for every P25 purchase using the BPI Express Credit Classic, Blue or Gold; 1 point for every P50 purchase using your BPI Edge, Mini-Edge or Petron-BPI MasterCard). You can even donate your points to socio-civic institutions like Bantay Bata, Knowledge Channel. Gawad Kalinga, Salesian Mission, Tahanang Walang Hagdanan and Children's Hour. Earn WorldPerks Miles automatically whenever you use your BPI WorldPerks MasterCard. Every P45 spent, will earn you (1) mile.
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| SUPERIOR VALUE
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| Save as much as 1 month's finance charges because new purchases are not yet subject to finance charge even if you have only partially paid the outstanding balance the previous month. Plus, enjoy discounts and perks in various partner establishments so you're spending goes a long way.
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| SUPERIOR ACCESS TO CASH ANYTIME, ANYWHERE
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| Cash advance facility is available at over 1,400 BPI ATMs nationwide or 1 million Cirrus-affiliated ATMs worldwide. Get cash of up to 30% of your available regular credit limit. BPI Express Credit Gold and BPI WorldPerks cardholders have access to cash advance of as much as 100% of their available regular credit limit.
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| EXPRESS BALANCE TRANSFER
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| Transfer your balance to your BPI Express Credit Card's Regular or Special Installment Plan (S.I.P.) Line. Avail of a low, fixed 1% add-on interest rate per month for 12 month term. Or, you may avail of affordable monthly installments of 3, 6, 9, 18 and 24 month terms. NO hidden charges.
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| SUPERIOR PAYMENT CONVENIENCE
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| Payment convenience anytime, anywhere at over 1,400 BPI ATMs. For BPI or BPI Family Savings Bank depositors, enroll your account and pay via BPI ExpressPhone 89-100 and BPI Express Online thru www.bpiexpressonline.com. For real hassle-free payment, enroll your account thru Automatic Debit Arrangement facility.
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| WIDE LOCAL AND INTERNATIONAL ACCEPTANCE
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| BPI Express Credit Card Classic is accepted at over 20,000 establishments nationwide. All BPI Express Credit MasterCards are accepted in over 29 million establishments worldwide at unbeatable foreign exchange conversion rates.
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| FREE 1st SUPPLEMENTARY CARD
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| Share these exciting benefits with your loved ones and the first supplementary is on us! Yes, we are waiving the membership fee of your first supplementary for life!
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| INSURANCE PACKAGE
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| Lost Card Insurance - You are protected from unauthorized use of your credit card from the time you file a lost card report.
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| Credit Protect - Your last statement is automatically paid in case of accidental loss of life.
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| Travel Insurance – Charge your travel fare to your BPI Express Credit Card and get automatically insured.
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| BPI Express Credit Classic, Blue MasterCard and Classic Corporate Cardholders enjoy as much as P2 million in travel insurance package
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| BPI Express Credit Gold MasterCard and Corporate MasterCard holders get as much as P10 million in travel insurance package.
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| CONSOLIDATED STATEMENT OF ACCOUNT
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| For easy monitoring and convenience, all your BPI cards including supplementary cards will be printed on one Statement of Account.
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| LOWER FOREIGN EXCHANGE RATE
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| Your foreign purchases are converted to Pesos using the current MasterCard foreign exchange rate with no processing fees.
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| 24/7 TOLL FREE BPI EXPRESS PHONE AND 24/7 GLOBAL SERVICE
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