Best Bank of Commerce Credit Cards Philippines Review (2019)

Best Bank of Commerce Credit Cards Philippines Review (2019)

In this Bank of Commerce credit cards review, we will talk about each card’s features and what makes each one worth having. There are different perks and privileges, as well as income requirements. Read up and see which one’s right for you.

Here’s a quick rundown:

Credit Card Annual Fee / Monthly Interest / Monthly Income Requirement Best Features
Bank of Commerce World Mastercard
  • 5,000 PHP / year
  • 2.95%
  • 100,000 PHP / month
  • Premium card for people who enjoy the finer things in life
  • 5x reward points for travel-related spending
  • Destination Limo
  • Up to 5 million PHP travel insurance coverage
  • Personalized assistance and global concierge service
  • LoungeKey access
Bank of Commerce Platinum Mastercard
  • Free annual fee
  • 2.95%
  • 100,000 PHP / month
  • Waived annual membership fees
  • Dual currency billing
  • 1 reward point = 25 PHP spend
  • 5x reward points on select dining and shopping establishments
  • Up to 2 million PHP travel insurance coverage
Bank of Commerce Gold Mastercard
  • 2,500 PHP / year
  • 3.25%
  • 38,000 PHP / month
  • As much as 5x reward points
  • Zero interest installment plan
  • Higher spending limit
  • Installment convert
Bank of Commerce Classic Mastercard
  • 1,200 PHP / year
  • 3.25%
  • 10,000 PHP / month
  • As much as 5x reward points
  • Zero interest installment plan
  • Installment convert

Bank of Commerce World Mastercard

This card takes luxury very seriously. The Bank of Commerce World Mastercard is all about premium and exclusive experiences.

Owning this credit card gives you access to luxurious travel perks and privileges, like airport concierge services, limo rentals, and gourmet experiences.

The perks of this card are designed for the privileged few who like the finer things in life. Which means that to be eligible for this card, you should be earning a few hundred thousand per month.

This card aims to make life a little easier – all your local and international purchases have separate billing. With this dual currency billing capability, keeping track of your purchases here and abroad has never been so convenient.

Not to mention, when you use your World Mastercard to pay for travel-related expenses, you can earn as much as 5 times the rewards points as well.

Here’s a more detailed breakdown of the amazing perks that come with this card.

Destination Limo Service

World Mastercard cardholders can avail of this premium limo service from select airports in Asia, Europe, and the US. If you want to be picked up from the airport by a Mercedes Benz from the E-Class range (or its equivalent), make sure to book the service 48 hours in advance.

An assigned chauffeur will meet you at the airport, escort you to your limo, and drive you to your destination (preferably a city centre location).

To give you an idea of the participating airports and the preferential rates, take a look at this table.

Destination Airport Preferential Rate / Limo
Sydney Kingsford Smith Airport, Australia 89 USD / Sedan

130 USD / MPV

Beijing Airport, China 65 USD / Sedan

80 USD / MPV

Hong Kong International Airport, Hong Kong 84 USD / Sedan

115 USD / MPV

Kuala,  Lumpur International Airport, Malaysia 77 USD / Sedan

95 USD / MPV

Changi Airport, Singapore 40 USD / Sedan

55 USD / MPV

Los Angeles Airport, USA 71 USD / Sedan

90 USD / MPV

Luxury Hotels & Resorts

Enjoy exclusive deals and perks when you book and stay at participating or partner hotels and resorts worldwide. You can get huge discounts on the best available room rates.

Enjoy discounts on express train fares and flight bookings. You also receive a daily complimentary breakfast for two. You can even avail of room upgrades, as well as early check-ins and late check-outs.

Epicurean Experiences

This will appeal to gourmet travelers with the most discerning tastes. Some of the perks that you get include a free glass of champagne with your food when you dine at select partner restaurants.

Personalized Assistance

Whether you need help locating, buying, or delivering flowers or gifts, or reserving hotel rooms or rentals, or finding a place that offers different business services, you can enjoy World Mastercard’s concierge service.

You are entitled to one complimentary concierge service per year, and then you will be charged 50 USD for each succeeding use. Just call the concierge hotline in the Philippines beforehand.

Travel Insurance

As a World Mastercard cardholder, you are covered up to 5 million PHP in Travel Accident Insurance. This applies to cardholders up to 70 years old.

If you find yourself in poor health while you’re overseas, you can take advantage of complimentary medical opinions from global experts.

Coverage also extends to medical expenses and inconvenience benefits.

Make sure to charge everything (plane tickets, public transport) to your card when you travel abroad.

It’s also good to note that coverage is only up to a maximum of 15 days for international travel. You must be traveling on a common carrier conveyance or on a scheduled flight.

Premium Lounge Access

This credit card comes with complimentary access to over 1,000 lounges in over 500 airports worldwide via LoungeKey. You can download the mobile app to redeem offers and generate exclusive offer codes for more discounts.

You can also enjoy up to 15% off when you shop at duty free shops.

Bank of Commerce Platinum Mastercard

This is another card that offers exciting deals and perks for people who enjoy luxuries and have the freedom to purchase the finer things.

Like the World Mastercard, the Platinum Mastercard comes with the Dual Currency Billing feature. Use your card locally or abroad and take advantage of exciting privileges offered exclusively for Platinum cardholders.

But, unlike the World Mastercard, Platinum cardholders get to enjoy waived annual fees.

Rewards Program

Earn rewards points for all your dining and shopping transactions with every 25 PHP spend.

Earn as much as 5 times the rewards points when you pay with your Platinum Mastercard at select restaurants or shopping establishments.

Once you’ve earned enough points, you can choose to exchange your points for gift certificates, annual membership waivers, or air miles.

Platinum Mastercard Travel Insurance

With the Platinum Mastercard, you are covered up to 2 million PHP in travel insurance. This includes medical expenses and inconvenience benefits as well.

Cardholders up to 70 years old are covered and protection is up to 15 days for international travel.

Installment Plus

You can take advantage of 0% interest installment plans at participating establishments for up to 36 months.

Other Features:

  • Balance transfer
  • Online Protect for online shopping with One-Time Password
  • Electronic statement
  • Two separate billings for your local (PHP) and international purchases (USD)

Gold Mastercard & Classic Mastercard

The Gold Mastercard offers you greater purchasing power because of the higher spending limit it offers. You can also shop, travel, and dine to your heart’s delight while earning rewards points and availing of discounts.

The Classic Mastercard offers the flexibility and versatility of an everyday credit card. It’s a basic credit card that still lets you earn rewards whenever you purchase basic commodities.

Buy your groceries, pay your utility bills, gas up, and purchase big-ticket items on installment and be eligible for rewards. With every 25 PHP spend, you earn 1 reward point.

If you shop at participating establishments, you can earn as much as 5 reward points.


The credit card offerings of Bank of Commerce are pretty solid. There’s a card that’s right for every taste and for every budget.

Even their most basic credit card offers more than just basic perks and benefits, and that’s always a good thing.

Whether you’re looking for a credit card that has waived annual fees, or a high spending limit, or the most exciting rewards, Bank of Commerce has one that will meet your requirements.

It all just boils down to how much you’re currently earning and which credit card you qualify for.

So what do you think? Do any of these credit cards stand out for you? Let us know in the comments.