1. How much is the minimum payment required?

The minimum payment required is 5% of all retail transactions plus entire Special Installment Plan amortization for the month. Any amount past due and in excess of the total credit limit form part of the minimum payment required and should be paid in full.


2. How do I compute for Interest Charges?

Interest charges on regular purchases is computed by multiplying the applicable finance charge rate depending on the card type with the average daily balance (ADB).

The ADB is determined as follows:

a. Multiply the previous statement balance with the number of days that the amount is outstanding or unchanged.
b. Whenever there is payment, deduct the payment from the statement balance and multiply with the number of days from the payment date until the next statement date or statement date.
c. Sum up the balances computed and divided with the number of days from the previous to the current statement to arrive at the ADB.

Interest charges on Special Installment is computed by multiplying the total amount availed by the applicable interest rate, depending on the term. Monthly payment shall first be applied to interest then to the principal using the diminishing balance method.


3. How do I know my statement date and payment due date?

Please refer to your statement of account which specifically states the statement date and payment due date.

You may also check by sending BALCC(space)16-digit Card number to 2274 for Globe/TM
or 3274 for SMART/Talk n Text.
Ex: BALCC 6280567823457890


4. When do I get the Statement of Account?

Please expect your monthly statement of account be sent to you after 12 days after the statement date. If you do not receive your statement of account, please call BPI Express Phone 89-100.


5. Where can I pay my BPI Express Credit Card bills?

You can pay your BPI Express Credit Card bills through any of the following payment channels:

a. BPI or BPI Family Savings Bank Branches
b. BPI Express Teller ATM
c. BPI Express Phone
d. BPI Express Online
e. BPI Express Mobile
f. Auto-Debit Arrangement (ADA)
g. SM Bills Payment Counters

For check payments, please make checks payable to BPI, followed by Customer No. written at the first page of your statement.


6. How do I avail of the cash advance?

Visit any of the select BPI Branches where nomination of Cash Advance Personal Identification Number (CAPIN) is available. To know the nearest BPI branch where CAPIN nomination is available, contact BPI Express Phone at (02) 89-100 (Metro Manila) or or domestic toll-free 1-800-188-89100 (Outside Metro Manila).

Note that Cash Advance is subject to a fee of 4% of the cash advance amount or P300, whichever is higher.


7. How do I report any error or dispute transaction in my BPI Express Credit Card?

Immediately contact BPI Express Phone at (02) 89-100 (Metro Manila) or domestic toll-free 1-800-188-89100 (Outside Metro Manila) to report errors or dispute transactions.


8. How do I report a lost card and request for a replacement card?

Immediately contact BPI Express Phone at (02) 89-100 (Metro Manila) or domestic toll-free 1-800-188-89100 (Outside Metro Manila) to report a lost card and request for a replacement card.