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BPI Debit Mastercard®

BPI / Mastercard

Apply for BPI Debit Mastercard®

Secure, contactless, and globally accepted. The BPI Debit Mastercard® adds smart protections and spending control for every user.

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BPI Debit Mastercard®
Annual fee
Free
Eligibility
BPI Account Holder
ATM fees
BancNet / Mastercard ATMs local and abroad
Intl. fees
Mastercard exchange rates & fees may apply
Withdrawal limit (daily)
₱20,000
E commerce limit (daily)
₱20,000

BPI Debit Mastercard® Key Benefits

BPI card control via app, tap-to-pay, personal cyber insurance available

6-digit PIN security, OTP for online, tap to pay (₱5k limit), BPI card control, global ecommerce and POS acceptance

Why should i get the BPI Debit Mastercard®?

The BPI Debit Mastercard® is designed to give you smart control over your daily spending—whether you’re withdrawing cash, shopping online, or traveling abroad. With an annual fee of Free, it offers excellent value and practical features without unnecessary costs.

Avoid surprises with transparent fees:

  • ATM fees – Free
  • International fees – Mastercard exchange rates & fees may apply

Spend confidently with generous daily limits:

  • Cash withdrawal limit – ₱20,000
  • E-commerce purchase limit – ₱20,000

With the BPI Debit Mastercard®, you get more than just a payment tool—you get everyday flexibility, security, and convenience in one simple card.

BPI Debit Mastercard® Alternatives

UnionBank

Lazada Debit Card

Lazada Debit Card
Annual Fee
₱500/year (waived if ₱10k balance maintained)
ATM Fees
Withdrawal Limit (daily)
up to ₱100,000
E commerce limit (daily)
₱100,000

Works with Lazada Wallet, exclusive discounts from Lazada strategic merchants

UnionBank

Platinum Debit Card

Platinum Debit Card
Annual Fee
Free
ATM Fees
No local or international ATM fees
Withdrawal Limit (daily)
up to ₱100,000
E commerce limit (daily)
₱100,000

Lounge access (Marhaba, PAGSS), priority service at branches, Visa concierge

UnionBank

PlayEveryday Card

PlayEveryday Card
Annual Fee
₱500/year or ₱45/month (first year waived)
ATM Fees
Withdrawal Limit (daily)
up to ₱100,000
E commerce limit (daily)
₱100,000

Gamified experience, leaderboard rankings, highly personalized experience

UnionBank

US Dollar Debit Card

US Dollar Debit Card
Annual Fee
Free
ATM Fees
Withdraw at 1.4M+ VISA Plus ATMs
Withdrawal Limit (daily)
USD 1,000
E commerce limit (daily)
USD 1,000

USD-linked for travel, lower fraud risk abroad, great for digital nomads

UnionBank

Go Rewards Debit Card

Go Rewards Debit Card
Annual Fee
₱500
ATM Fees
Free local & international withdrawals*
Withdrawal Limit (daily)
up to ₱100,000
E commerce limit (daily)
₱100,000

Early access to Cebu Pacific promos, works with Go Rewards ecosystem

UnionBank

eWallet

eWallet
Annual Fee
Free
ATM Fees
Withdraw via local/international ATMs
Withdrawal Limit (daily)
up to ₱100,000
E commerce limit (daily)
₱100,000

EMV chip card, secure for online and in-store, simple digital onboarding

BPI

BPI Debit Mastercard®

BPI Debit Mastercard®
Annual Fee
Free
ATM Fees
BancNet / Mastercard ATMs local and abroad
Withdrawal Limit (daily)
₱20,000
E commerce limit (daily)
₱20,000

BPI card control via app, tap-to-pay, personal cyber insurance available

BPI

BPI EMV Cirrus Red

BPI EMV Cirrus Red
Annual Fee
Free
ATM Fees
BPI, BancNet, Cirrus ATMs
Withdrawal Limit (daily)
₱20,000
E commerce limit (daily)
₱100,000

Legacy card, accepted in over 45,000 stores, still valid for existing users

BPI

BPI EMV Cirrus Gold

BPI EMV Cirrus Gold
Annual Fee
Free
ATM Fees
BPI, BancNet, Cirrus ATMs
Withdrawal Limit (daily)
₱50,000
E commerce limit (daily)
₱250,000

Higher default limits than Red card, retained benefits for power users

Frequently asked questions

What are default transaction limits?
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BPI defaults (adjustable): Withdrawal up to ₱20,000/day (₱50,000 for Gold); Purchases up to ₱100,000 (₱250,000 for Gold); E‑commerce limit ₱20,000/day; Contactless tap max ₱5,000 per transaction.

How is fraud protected and how can I control transactions?
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BPI: 6‑digit PIN, OTP, real‑time blocking, and optional Personal Cyber Insurance (PHP 700/year). UnionBank: EMV chip, online control features including temporary/permanent block and usage limits via app.

What are the fees for ATM withdrawals and international transactions?
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BPI: Local ATMs free for BPI/BancNet; other local ATMs vary; International ATMs: USD 3.50 or 1.75%, whichever is higher; USD 1.00 balance inquiry fee. UnionBank: Local ATM withdrawals are free; international ATM fees depend on the card type and network.

Can I use my card online or for international transactions?
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Yes. Both require e‑commerce access enabled through Card Control. UnionBank and BPI Debit Mastercards work abroad—BPI also supports Cirrus ATM withdrawals.

When can I start using my new debit card?
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After activation is completed (e.g., change temporary PIN via app or ATM), only then can you begin transacting with your card.

How do I manage spending and withdrawal limits?
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BPI: Use Card Control to toggle ATM, international, e‑commerce access, and adjust daily limits. UnionBank: Similar control via their mobile app and online banking portal.

What should I do if my debit card is lost or stolen?
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BPI: Use Card Control in app or call 24-hour hotline to block the card immediately. UnionBank: Report to their hotline or nearest branch to deactivate and order a replacement.

How do I replace a lost or damaged card?
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BPI: Block via Card Control, request replacement via app/online or branch, pay PHP 200 replacement fee; new card arrives in 2–4 banking days (Metro Manila).

Are contactless (tap-to-pay) transactions supported?
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Yes. BPI Debit Mastercard® supports contactless payments for transactions up to ₱5,000 per tap. Contactless capability for UnionBank cards varies by card product.

How do I apply for or request a debit card?
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BPI: Request via branch or online/app; select New Debit Card under Card Management and choose linked account and branch pick‑up. UnionBank: Open a savings/checking account online or at a branch; then request a Debit Mastercard through your account.