BPI Edge Mastercard – MoneySmart Review 2019

The BPI Edge Mastercard is perfect for cardholders who put an emphasis on style while getting the best value. With this credit card, receive great discounts on the coolest fashion trends and hippest places.

Read on to find out if the BPI Edge Mastercard is the right card for you.

BPI Edge Mastercard at a Glance
Annual Fee	Free on the first year 1,320 PHP / year
First Supplementary Card Annual Fee	Free for life
2nd to 6th Supplementary Card Annual Fee	660 PHP
Finance Charge	3.50%
Annual Minimum Income Requirement	180,000 PHP
Cash Advance Amount	30% of credit limit
Cash Advance Charge	3% of the cash advance amount or 500 PHP, whichever is higher
Foreign Currency Conversion	0.85% of the converted amount 1% assessment fee
1 Real Thrills Rewards Point	50 PHP spend

What can you enjoy with your BPI Edge Mastercard?

The BPI Edge Mastercard is a credit card that gives you discounts and rewards at the coolest establishments.

Shop at the trendiest stores and dine at the most stylish restaurants. There’s always an exciting discount or deal that will complement your fashionable lifestyle.

This card also lets you earn reward points with your spending. Every 50 PHP you spend earns you 1 Real Thrills Rewards Point.

These reward points can be used to redeem different items, like shopping credits or gift certificates from different establishments.

It comes with Contactless Technology that lets you pay for your purchases with just a tap, saving you time on transactions while also keeping them secure.

When you’re running low on cash and need an emergency loan, the Cash Advance feature of this card can also be quite helpful. You can borrow as much as 30% of your credit limit.

If you’re planning on buying big-ticket items, you can avail of the 0% installment payment plans at participating merchants.

Thinking of consolidating your credit card debts? Avail of this card’s Balance Transfer feature and pay the low monthly rate of 0.79%.

What can you redeem with your Real Thrills Rewards Points?

Shopping Credits	1,000 PHP = 10,000 RTR Points 500 PHP = 5,000 RTR Points 100 PHP = 1,000 RTR Points
Shopping Indulgence	Gift certificates from Abenson, Automatic Center, Gaisano Mall, SM, Western Marketing, National Bookstore, Mercury Drug, Sportshouse, The Travel Club, North Face, Columbia Sportswear, PowerMac, Ayala Malls, Tobys Sports, Rustan’s
Leisure and Relaxation	Manila Ocean Park Tickets The Spa Wellness Gift Card Ayala Mall Cinema Tickets
Dining	Gift certificates from Makati Shangri-La, Conrad Manila Hotel, Vikings, Four Seasons, The Peninsula Manila, Marco Polo Cebu, Starbucks, Burgoo
Travel	Accommodations at The Peninsula Manila, Marco Polo Cebu, Conrad Manila, and Makati Shangri La AirAsia BIG Points KrisFlyer Miles PAL Mabuhay Miles
Card Membership Fees	BPI Edge Mastercard Principal Card = 10,500 RTR Points BPI Edge Mastercard Supplementary Card = 5,250 RTR Points
Charities	Donations to Friends of Hope Inc., BPI Foundation Inc., Smile Train, Caritas Manila, Children’s Hour, Bantay Bata 163, or Habitat for Humanity Philippines

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

Promo Offer	Mechanics
Real 0% Installment on the new Samsung Galaxy Note10 and Note10+	Pay in 12 up to 24 monthly installments Minimum purchase transaction of 3,000 PHP
Free Smartfood Popcorn White Cheddar or Pringles Sour Cream or Cheddar Cheese	5,000 PHP minimum single-receipt purchase at participating S&R branches Promo until August 31, 2019 Redemption until October 31, 2019
Mastercard Tap & Win Promo Win SM Gift Card worth 1,000 PHP	3,000 PHP single-receipt contactless purchase is required Promo period is until September 30, 2019
FREE Nescafe Gold (50g)	4,000 minimum single-receipt purchase at participating WalterMart Supermarket branches Promo period until August 31, 2019 Redemption period until October 31, 2019
15% discount on regular priced items at participating branches of Perry Ellis	Minimum of 5,000 PHP single-receipt purchase Promo period until September 30, 2019
15% discount + free GNC VIP Membership Card GNC Pill Case for a minimum of 3,000 PHP single-receipt purchase GNC Travel Bag for a minimum of 5,000 PHP single-receipt purchase	Promo period until August 30, 2019 Valid for straight or installment purchases
35% discount at Cucina’s lunch / dinner buffet	Ala carte orders not included Promo period until October 15, 2019
Free starters at Peri-Peri Charcoal Chicken and Sauce Bar	Minimum of 1,000 PHP spend Free 2 Small Plates priced at 100 PHP each Valid for dine-in only
Free dessert at Mango Tree Bistro (Trinoma and Greenbelt 3)	Free Bua Loi or Red Ruby Chestnut with Macapuno Ice Cream for a minimum spend of 2,000 PHP Promo period until December 31, 2019
Free ramen at Genki Sushi	Free Shoyu Ramen or Kake Udon for a minimum spend of 2,000 PHP at participating Genki Sushi branches Promo period until December 31, 2019
Free noodle dish at Bad Bird (SM Megamall, Serendra BGC, or Robinsons Place Manila)	Free Kimchi Noodles, Rich Pork Noodles, or 4-Cheese Noodles for a minimum spend of 1,000 PHP at participating Bad Bird branches Promo period until September 30, 2019
50% off on Spectrum (Fairmont Makati) lunch and dinner buffet	Valid for daily lunch and dinner buffet except Sunday brunch Minimum of 2 diners and maximum of 15 diners per card Complimentary birthday cake when cardholder dines during their birth month
Food Holiday Buy One Get One Promo at Ayala Malls	Buy one get one on featured dish at participating Ayala Malls Promo period until December 6, 2019
50% discount at The Picasso Boutique Serviced Residences	Offer applicable on Malaga Studio Room, Andalusia Junior Suite, Barcelona Suite, and The Picasso Loft Promo period until September 1, 2019
50% discount on Trampoline Park entrance tickets	Valid for weekdays and weekends until December 31, 2019
20% discount at Nisce Skin Medispa	Valid until December 31, 2019

Should you get the BPI Edge Mastercard?

If you are a foodie, traveler, or shopaholic who gets excited about exclusive deals and huge discounts, then this card is for you.

There are plenty of perks all year round for the cardholder who loves to discover new food joints, travel to beautiful locations, and wear the trendiest outfits on huge discounts.

The points don’t expire, so you don’t need to worry about rushing to spend more just to redeem a certain item from the rewards catalogue.

The annual fees and income requirements are also reasonable, so it’s perfect for professionals who are permanently employed and earning at least 15,000 PHP per month.

It comes with great features, so you can have the BPI Edge Mastercard as your first credit card or even as an additional credit card.

Which features of the card do you like best? Are they enough to make you sign up for one? We’d love to know your thoughts. Share them in the comments!

Tags: best credit cards, bpi, bpi credit cards, dining, rewards, shopping, travel