Enjoy elevated access with the BankCom Platinum Debit Card. From global purchases to secure digital payments, this card delivers high transaction capacity and premium privileges—backed by BankCom’s Experience membership. Whether for business, travel, or lifestyle, this debit card brings flexibility and recognition with every tap.
Platinum-Level Banking Access – Designed for high-net-worth individuals under BankCom’s Experience tier
Higher Limits – Ideal for bigger online purchases, travel, and premium transactions
Mastercard Global Reach – Accepted by millions of merchants worldwide
Tap-to-Pay Convenience – Spend faster with secure contactless technology
EMV Chip Protection – Enhanced security for your larger transactions
Dedicated Banking Perks – Enjoy personalized service and exclusive privileges
The BankCom Platinum Debit Card is a premium debit card for high-level depositors. With high transaction limits, Mastercard global access, and exclusive account perks, it’s made for users who expect more from their banking experience.
If you're looking for higher transaction limits and a debit card experience with added prestige, the Platinum Debit Card offers both function and recognition. Tailored for active, premium-level clients, this card matches a lifestyle that demands convenience, security, and priority banking perks.
Exclusive perks through BankCom Experience
EMV-chip and contactless Visa debit card for everyday local and international use
Accepted worldwide through the Visa and BancNet networks
Track spending and manage card settings via EastWest EasyWay app
Eco-conscious EMV Visa card made from 85.5% recycled PVC
All the standard features of the EastWest Visa Debit Card—with a sustainability twist
Use for global ATM access, online payments, and in-store shopping
Premium-tier EMV and contactless card for high-usage customers
Offers exclusive privileges through the Visa Platinum program
Free ATM access even abroad (subject to terms)
Instantly issued EMV‑chip & contactless Debit Mastercard upon account opening
Easy to open—one valid ID only, takes ~10 minutes digitally or in-branch
Streamlined for everyday banking: no maintaining balance, zero annuity, and Merchant promos
Includes passbook, checkbook, & Everyday Debit/ATM Mastercard
Requires ₱5,000 opening balance and ₱25,000 maintaining balance
Earns interest from ₱100,000 balance (0.10% p.a.) with free life insurance up to ₱3M
High-yield, digital-only savings account with ₱500 min. open, ₱5,000 min. maintain
Can link Security Bank ATM Debit Mastercard for ATM + card usage
Restricts deposits/withdrawals to digital channels for better rates
EMV‑chip & contactless Visa debit card (issued after ₱10,000 balance), ideal for GCash users
Open a full savings account digitally—no branch visit needed
Earn interest from as low as ₱0.01 balance
Enjoy free life insurance coverage of up to ₱1 million (with qualified ADB)
Easy ATM withdrawals and online transfers via GCash or Maybank2U app
EMV‑chip and contactless Visa Debit Card for safe everyday transactions
Accepted worldwide for both in-store and online purchases
Includes passbook option for traditional banking needs
Secure with OTP protection and real-time SMS alerts
Convenient access to BancNet ATMs and Visa network abroad
Fully digital savings account opened via the Maybank2U PH app
No initial deposit or maintaining balance required
Visa Debit Card issued with a ₱1,000 balance
Tiered interest rates based on average daily balance
Easy account management and transfers via mobile app
Visa Debit Card with EMV chip and Tap-to-Pay feature
Linked to your Maybank deposit account (Classic, iSave, etc.)
Real-time OTP verification and SMS alerts for online purchases
Accepted for in-store, online, and overseas transactions
Supports full ATM and debit functionality via Maybank2U PH
No maintaining balance required – Open a BDO Pay Basic Account online with just one valid ID
EMV-secured – Card comes with an EMV chip for safer in-store and ATM transactions
Linked to the BDO Pay app – Enables Scan-to-Pay, bill payments, transfers, and transaction tracking
Free ATM withdrawals at BDO machines – Save on fees while accessing your funds easily
Use online, in-store, or for cash – Accepted at BancNet ATMs and POS terminals nationwide
Linked to your BDO Savings Account – Access your funds anytime via ATM, online, or POS
No annual fee – Enjoy a cost-effective way to manage your money
EMV-secured and globally accepted – Choose Visa or Mastercard for wide coverage and safe transactions
24/7 banking access – Withdraw cash, pay bills, shop online, or swipe at any Visa/Mastercard terminal
Full mobile and branch support – Manage your account via BDO Online Banking, branches, or ATMs
Passbook + Debit Card Access – Enjoy the security of a physical passbook with the ease of digital banking
EMV-secured card (Visa or Mastercard) – Safe, global transactions online or in-store
Detailed tracking – All transactions are recorded in your passbook for easy monitoring
Free BDO ATM access – Withdraw cash anytime from BDO’s wide ATM network
Perfect for budgeting or savings goals – Maintain a clear, written history alongside digital tools
No maintaining balance - Stay active with at least one remittance every two years
Designed for OFWs and beneficiaries - Easy to open abroad through BDO remittance partners
Safe and secure - EMV-chip debit card for reliable ATM and POS transactions
Global ATM and POS access - Withdraw or spend funds locally and internationally
Ideal for family support - Ensures loved ones back home can access remittances easily
Passbook + EMV Debit Card Access – Manage your funds with the security of a physical passbook and the flexibility of card-based access.
Visa or Mastercard EMV Debit Card – Safe, global transactions for online shopping, dining, travel, and more.
Free AUB ATM Access – Convenient withdrawals from any AUB machine nationwide.
Track Transactions Easily – Stay on top of your savings with printed passbook records and card transaction history.
Earns Interest – Grow your money while keeping it accessible.
Beginner-Friendly – Perfect for first-time savers or students starting their financial journey
No Maintaining Balance Required – Worry-free saving, even with a small balance
EMV-secured Debit Card (Visa or Mastercard) – Safe, tap-and-pay purchases and online transactions
Access to Online and Mobile Banking – Check balances, transfer funds, and manage your account anytime
Easy Account Opening – Open with just one valid ID at any AUB branch
High-Interest Savings – Earn better interest rates compared to regular savings accounts
Passbook + EMV Debit Card – Combine old-school security with modern banking convenience
Visa or Mastercard EMV-secured Card – Use globally for online or in-store purchases
Free AUB ATM Access – Withdraw cash anytime from AUB machines nationwide
Transparent Tracking – Every transaction is recorded in your passbook for easy monitoring
100% Digital Account – Open and manage your account through the HelloMoney mobile app—no branch visit needed
Virtual Mastercard – Instantly shop online, pay bills, or subscribe to streaming platforms
Cash-in & Withdraw Nationwide – Access funds via AUB ATMs or partner outlets like 7-Eleven, Palawan Pawnshop, and Bayad Center
Send Money Instantly – Transfer funds to other banks or e-wallets via InstaPay or PESONet
Secure & Convenient – EMV-compliant card with app-based PIN control and transaction alerts
Global Acceptance – Use your card anywhere Mastercard is accepted, both online and in-store
EMV Chip Security – Protects your transactions with advanced chip-based encryption
Contactless Payments – Tap to pay at stores with Mastercard PayPass
Free PNB ATM Access – Withdraw cash anytime from PNB’s nationwide ATM network
Linked to Interest-Bearing Account – Earn interest on your balance while keeping it accessible
Earn Mabuhay Miles While You Spend – Automatically earn miles every time you use your card for purchases
Global Acceptance – Use your card anywhere Mastercard is accepted, online and in-store
EMV Chip Security – Enhanced transaction protection with EMV chip technology
Contactless Payments – Tap and go with Mastercard PayPass for faster checkouts
Free PNB ATM Access – Withdraw cash anytime from PNB’s nationwide ATM network
Linked to Interest-Bearing Account – Keeps your funds secure while earning interest
Faster Mabuhay Miles Earning – Get a higher earn rate for every spend to reach your free flights sooner
Priority Cardholder Perks – Enjoy premium features reserved for frequent travelers and top-tier PAL customers
Global Mastercard Access – Spend with ease anywhere Mastercard is accepted worldwide
EMV Chip + Contactless – Secure and seamless transactions, whether you're tapping in-store or shopping online
PNB Priority Banking Access – Enjoy exclusive banking privileges and personalized service
Free PNB ATM Access – Withdraw anytime from PNB’s extensive ATM network nationwide
Linked to an Interest-Earning Account – Keep your funds growing while enjoying everyday flexibility
Worldwide Visa Access – Shop and withdraw at millions of Visa-accepting merchants and ATMs globally
EMV Chip + Tap-to-Pay – Enjoy enhanced security and seamless contactless transactions
No Annual Fee – Maintain flexibility without recurring card charges
Real-Time Debit from Your Account – Stay on top of spending with every swipe or tap
Exclusive CBC Deals – Unlock seasonal discounts and perks with partner merchants
24/7 Account Access – Monitor transactions and manage funds via ChinaBank mobile or online banking
Visa Signature Privileges – Enjoy concierge access, global lifestyle perks, and travel offers exclusive to Signature cardholders
Lower FX Fees (1.7%) – Ideal for frequent international shoppers and digital nomads
EMV + Contactless Security – Safer, faster payments at home and abroad
Premium Daily Limits – Higher caps for both ATM withdrawals and digital purchases
Exclusive CBC Promos – Priority deals on dining, wellness, travel, and shopping
Zero Annual Fee – Premium features with no recurring card fee
Earn Ultra Rewards – Get rewarded not only for your card spending but also for your account balance
Points That Multiply – Earn points for every qualified debit transaction and maintain reward-earning deposit thresholds
Tap-to-Pay + EMV Security – Enjoy safe, contactless payments with modern tech
Online & POS Ready – Spend online or in-store with Visa's wide acceptance
Linked to Ultra Rewards Account – Your savings grow while your purchases earn
No Annual Fee – Enjoy all the perks with zero yearly charges
Mastercard Global Access – Use your card for purchases and withdrawals worldwide
EMV Chip + Contactless Tap – Secure and quick transactions in-store and online
No Annual Fee – Enjoy the convenience of debit without extra costs
Linked to Your BankCom Savings or Checking Account – Real-time deductions for better budget tracking
Accessible Nationwide – Withdraw from 250+ BankCom ATMs and 12,000+ BancNet terminals
Online & POS Ready – Shop on your favorite sites or swipe at physical stores
Great for New Savers – Perfect for students, first jobbers, and anyone building financial discipline
Mastercard Worldwide Acceptance – Shop or withdraw locally and internationally
Secure EMV Chip – Safer card usage for both online and offline transactions
Tap-to-Pay Feature – Just tap for faster daily purchases
No Annual Fee – Get full debit functionality without the cost
Linked to Sikap Pinoy Account – Encourages consistent saving with flexible access
Platinum-Level Banking Access – Designed for high-net-worth individuals under BankCom’s Experience tier
Higher Limits – Ideal for bigger online purchases, travel, and premium transactions
Mastercard Global Reach – Accepted by millions of merchants worldwide
Tap-to-Pay Convenience – Spend faster with secure contactless technology
EMV Chip Protection – Enhanced security for your larger transactions
Dedicated Banking Perks – Enjoy personalized service and exclusive privileges
Global Mastercard Acceptance – Use it in-store and offline via networks like BancNet (PH) and Mastercard (International)
Secure EMV Chip + Contactless Ready – Enhanced security plus convenient tap-to-pay
Instant Activation via PBCOMobile – Card can be linked to the app and used immediately upon issue
3D Secure + OTP – Extra protection for online payments through MasterCard SecureCode
Personalized & Instant Versions – Choose between a name-printed card (3–7 days) or use a generic one instantly
Free Domestic Withdrawals & Inquiries – At PBCom ATMs only; fees apply elsewhere per BSP rules
Virtual & Physical Card Options – Start transacting immediately online, with the option to request a physical card later
EMV Chip Security + 3D Secure for Online Payments – Safer shopping and banking experience
Affordable Entry Point – Just ₱100 to open a digital savings account with a debit card
Visa Global Access – Accepted by millions of merchants and ATMs worldwide
Link to Simple’ Savings – Track spending in real-time and build a saving habit
Global Visa Access – Spend at millions of online and physical stores locally and abroad
EMV Chip & Contactless Payment – Tap to pay securely for everyday convenience
No Annual Fee – Maintain easy access to your funds without hidden charges
Linked to RBank Savings or Checking Accounts – Real-time tracking and secure purchases
Perks with Visa – Access Visa deals and lifestyle promos when you use the card
Seamlessly works with Lazada Wallet and gives you access to exclusive discounts from Lazada’s strategic merchant partners—perfect for regular online shoppers.
Reloadable EMV-chip and contactless Mastercard/Visa for secure, budget-controlled spending
Ideal for cashless payments, online shopping, and ATM withdrawals—without needing a bank account
Top up easily via Metrobank Online, branches, ATMs, or e-channels
Useful for travel, gift-giving, or managing daily expenses with a spending cap
Manage your card through the BPI Card Control mobile app
Make contactless payments via tap-to-pay (up to ₱5,000)
Optional personal cyber insurance for digital protection
Designed for secure and flexible debit card usage in the Philippines
Access to Marhaba and PAGSS airport lounges
Priority banking service at UnionBank branches
24/7 Visa Platinum concierge for travel, dining, and lifestyle support
EMV-chip and PIN-secured Mastercard for everyday local use
Accepted across the Philippines via the BancNet and Mastercard networks
No annual fee and free withdrawals at Metrobank ATMs nationwide
Perfect for daily spending, bills payment, and ATM transactions
Gamified experience, leaderboard rankings, highly personalized experience
EMV-chip & contactless payment-enabled Mastercard, ideal for safe daily use
Worldwide acceptance via Mastercard network for online and overseas spending
Convenient Metrobank ATM withdrawals at no extra charge
Monthly promos & rebates on dining, travel, and e‑commerce via select partners
USD-linked to avoid currency conversion hassles
Lower fraud risk with secure EMV chip protection
Built for travelers, expats, and digital nomads
Spend and withdraw directly in U.S. dollars
Exclusive Mastercard debit card for Hexagon Club Privilege or Priority members
Zero ATM withdrawal fees nationwide via BancNet ATMs
Free ATM card insurance covering loss and accident scenarios
Priority banking perks, including express branch lanes and a relationship manager
Early access to exclusive Cebu Pacific seat sales
Fully integrated with the Go Rewards program
Points earned are auto-credited to your Go Rewards account
Ideal for travel-savvy and loyalty-focused shoppers
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Reloadable prepaid Visa card — Spend only what you load, no debt
Worldwide Visa acceptance — Over 44 million merchants globally
No minimum balance requirement — Ideal for budgeting
Manageable fees — Free withdrawals at RCBC ATMs; nominal fees at BancNet and Visa ATMs
EMV chip for enhanced card security
Safe for online purchases and physical store payments
Quick digital onboarding via the UnionBank app
Ideal for first-time cardholders and digital-first users
Debit card linked to your RCBC savings or current account.
Powered by Mastercard—accepted at over 38 million outlets worldwide
Ideal for cashless spending, ATM withdrawals, online purchases, and overseas use, with funds directly debited from your account
Premium debit card exclusive to RCBC Wealth clients
Free annual fee with daily withdrawal limit of ₱150,000
Comes with travel perks like lounge access and hotel upgrades
Accepted worldwide via Mastercard
Higher limits than Cirrus Red: ₱50K withdrawal / ₱250K purchase
Same benefits: EMV security, wide merchant network, Cirrus ATM access
Ideal for power users with higher daily spending needs
Still valid for existing BPI legacy cardholders
Legacy BPI debit card for existing account holders
Accepted at 45,000+ EPS and BancNet stores nationwide
Fully supported for in-store PIN transactions
Continues to work for current BPI Cirrus cardholders
Default transaction limits for BPI Debit vary by card type and can be adjusted through BPI Online or the BPI app. For regular cardholders, the daily ATM withdrawal limit is ₱20,000 and the purchase limit is up to ₱100,000. For BPI Gold debit cardholders, these increase to ₱50,000 (withdrawals) and ₱250,000 (purchases). The e-commerce transaction limit is set at ₱20,000/day, and contactless payments are capped at ₱5,000 per tap.
BPI and UnionBank debit cards both include several levels of fraud prevention and transaction management to help keep your money safe. The BPI Debit Mastercard® contains a 6-digit PIN, a one-time password (OTP) for online purchases, the ability to block the card in real time, and optional Personal Cyber Insurance for further security (₱700/year).
UnionBank debit cards have EMV chip technology and app-based restrictions that let you set limits on how much you can spend or block your card temporarily or permanently right away.
These features make online and in-store purchases safer and give you more control over your spending.
BPI Debit Mastercard® allows free withdrawals from BPI and BancNet ATMs within the Philippines. For other local ATMs, fees may apply depending on the bank. For international ATM withdrawals, BPI charges USD 3.50 or 1.75% of the amount withdrawn (whichever is higher), plus a USD 1.00 balance inquiry fee.
UnionBank debit cards offer free local ATM withdrawals, while international ATM fees vary depending on the card type and the Visa or Mastercard network used.
Always check your bank’s website or app for updated foreign transaction fees and ATM withdrawal charges.
Yes. Both BPI and UnionBank Debit Mastercards can be used for online shopping and international transactions, as long as e-commerce access is enabled through your bank’s Card Control feature.
Before traveling or shopping online, make sure to activate international usage settings through your bank’s mobile app or online banking platform.
You can start using your debit card immediately after activation. For most banks like BPI and UnionBank, this means completing a few quick steps—such as changing your temporary PIN via the mobile app or ATM.
Once activated, your card will be ready for ATM withdrawals, online purchases, in-store transactions, and international use, depending on your card settings.
Be sure to enable features like e-commerce access and set your desired transaction limits through the Card Control function of your bank.
Both BPI and UnionBank offer digital tools to help you manage your daily transaction limits and card settings.
These features help you stay in control of your spending habits and protect your account from unauthorized use.
If your debit card is lost or stolen, act quickly to protect your account:
Enabling real-time alerts and keeping your card's e-commerce and international settings off when not in use can help reduce risk in the future.
To replace a lost or damaged BPI Debit Mastercard®, follow these steps:
Make sure to activate your replacement card by setting a new PIN before using it for ATM withdrawals or online transactions.
Yes. The BPI Debit Mastercard® supports contactless payments—also known as tap-to-pay—for transactions up to ₱5,000 per tap. This allows for faster, secure, and PIN-free purchases at contactless-enabled terminals.
For UnionBank debit cards, contactless capability depends on the specific card product. You can check your card for the contactless symbol or inquire through the UnionBank app or hotline.
Contactless debit cards offer a secure and convenient way to pay, especially for everyday purchases.
To get a debit card from either BPI or UnionBank, you need to have an active savings or checking account. Here’s how to apply:
Both banks offer hassle-free application processes, and some accounts come with a debit card issued automatically upon account opening.
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