Get eGCs when you save your BPI Credit Card as Card on File for your online transactions.
Aug 25 – Nov 25, 2026
Eligible cards
Also 1 older card the bank no longer offers.
Enjoy worry-free subscription payments
Save your BPI Credit Card details for fast and easy payments.
Get up to PHP 150 eGCs
Spend at least PHP 1,500 (minimum of PHP 500 spend x 3 times) at the featured Tap & Spend merchants.
Use your BPI Credit Card to pay
Pay for online shopping, memberships, subscriptions and more with your BPI Credit Card.
Get up to PHP 150 eGCs with your BPI Credit Card
Promo Period: August 25 to November 25, 2026
Redemption Period: The Cardholder has sixty (60) days from the date of meeting the required accumulated spend to claim the eGC from the Mission. Once claimed, the eGC will be viewable in the OMD Wallet and will be valid for redemption at participating merchants for sixty (60) days.
Cardholder will see the Tap & Spend Mission on the Missions Tab and must tap on “Join Now” to register in the promo. Registration is required to qualify for the promo.
| Tap & Spend Merchants | Merchant Descriptor/s |
|---|---|
| Grab | Transactions where the merchant description contains GRAB*, or GRAB and GIFT/TAXI/FOOD/EXPRESS/PAY, or GRAB with the MCC/s 4121, 5814, 5499, 4111, 4214, 5964, 4789, 5812, 4215, 5947 |
| Shopee PH | Transactions where the merchant description contains SHOPEE with the MCC/s 5331, 5399, 5732, 5964, 5999 |
| LAZADA PH | Transactions where the merchant description contains LAZADA, or WWW and LAZADA with the MCC/s 5399, 5262, 5311, 5310 |
| Foodpanda | Transactions where the merchant description contains FOOD and PANDA with the MCC/s 5814 |
| Shein.com | Transactions where the merchant description contains SHEIN, or SHEIN and COM with the MCC/s 5621,5651,5999,5699,5691,5311 |
| PayPal |
Example for Tap and Spend:
| Customer | Spend Description | eGC Reward Eligibility |
|---|---|---|
| Customer A | Saved his BPI Credit Card details on Foodpanda, PayPal, and Apple, and uses it to purchase at the following merchants: • Foodpanda purchase on August 26 worth PHP 980 • Foodpanda purchase on September 05 worth PHP 650 • Foodpanda purchase on September 20 worth PHP 900 • PayPal purchase on September 26 worth PHP 700 • PayPal purchase on October 01 worth PHP 830 • PayPal purchase on October 21 worth PHP 1300 • Apple purchase on August 25 worth PHP 699 • Apple purchase on September 25 worth PHP 1299 • Apple purchase on October 25 worth PHP 579 | 1. All transactions met the minimum spend frequency and spend of PHP 500 Client is eligible for PHP 150 eGCs (3 merchants) |
| Customer B | Saved his BPI Credit Card details on Grab, Lazada, and Shein, and uses it to purchase at the following merchants: • Grab purchase on August 27 worth PHP 470 • Grab purchase on September 11 worth PHP 520 • Grab purchase on October 01 worth PHP 300 • Lazada purchase on August 25 worth PHP 650 • Lazada purchase on September 14 worth PHP 900 • Lazada purchase on September 24 worth PHP 590 • Shein purchase on August 25 worth PHP 510 • Shein purchase on August 26 worth PHP 600 • Shein purchase on August 27 worth PHP 700 | 2. Grab did not meet min. spend requirement of P500 for 1 of 3 transactions 3. Lazada has three transactions, all with min. PHP 500 spend 4. Shein has three transactions, all with min. PHP 500 spend Client is eligible for PHP 100 eGCs (2 merchants) |
The eGC is available in PHP 50 denominations.
Only purchases made under the specified merchants will apply.
The Principal Cardholder must have updated contact details in BPI's records.
The following transactions are qualified, but not limited to:
| Local Retail Transactions (Straight) | Flexipay transactions at Merchant |
| Foreign Currency Purchases (Straight) | Auto Charge |
| Online or Internet Transactions | Mail Order/Telephone Order (MOTO) |
| Cash advances (local or international) MCCs: 6010 – Member Financial Inst-Manual Cash Disbursement 6011 – Financial Int’l-Automated Cash Disbursement | Special Installment Plan (SIP) transactions via Balance Transfer, Credit-to-Cash, other Non-Retail SIP Loan products |
| Redemptions of rebates or BPI Rewards Points | Business transactions such as but not limited to i. Direct or multi-level marketing, as well as from merchants specifically engaged in wholesale and distribution ii. Payment services iii. Professional services |
| Transactions from stock trading, foreign exchange trading, financial trading services, remittance and the like; mobile payment/mobile wallet transactions and online payment system (such as but not limited to GrabPay, GCash, PayMaya, PayPal, Coins.ph, and the like) MCCs: 6012 – Member Financial Inst-Merchandise and Services 6540 - POI Funding Transactions | Transactions from casino/gambling, money transfers, quasi cash financial institution, political organizations and bail & bond payment MCCs: 4829 – Wire Transfer Money Orders 6050 – Quasi Cash-Member Financial Inst. 6051 – Quasi Cash-Merchant 7800 – Government Owned Lottery 7801 – Internet Gambling 7802 – Government Licensed Horse/Dog Racing 7995 – Betting (Including Lottery Tickets, Chips) 8651 – Organizations, Political 9223 – Bail & Bond Payments 9754 – Gambling-Horses, Dog Racing, State Lottery |
MCCs: Merchant category code (MCC) is a four-digit number assigned to every business that applies to accept credit cards. The number corresponds to the type of business or service the company offers.
8. Once the missions are completed, cardholder will be eligible to claim the eGC/s based on their qualified merchants.
Only the Principal Cardholder is eligible to register to the promo.
Successful opt-in or registration on the Oh My Deals! app mission page is required to qualify for the promo.
To qualify for the offer, the Cardholder must use his or her Participating BPI Credit Card to pay for his or her purchases at Merchant.
The offer is not convertible to cash or credit. It may not be exchanged with any other product.
The cardholder agrees that should his or her purchase be found to be an act of fraud that he or she initiated, conspired or participated with another person or found to be fraudulent, the Bank shall have the right to charge the full amount of the transaction to his or her card inclusive of any discount availed or extended.
In the event of a dispute related solely to the Bank's processes and the customers' participation in this Promo, the Bank shall decide thereon/shall render a decision, with the concurrence of DTI, which shall be considered final within the context of this promotional offer. This resolution process does not preclude the customer from pursuing further legal remedies as provided by law.
| Transaction Details | eGC Posting on Oh my Deals! app wallet |
|---|---|
| Customer A | |
| Transaction on Foodpanda is qualified and posted on OMD on September 20 | eGC is posted in the Oh My Deals! app by September 21 |
| Transaction on Paypal is qualified and posted on OMD on October 21 | eGC is posted in the Oh My Deals! app by October 22 |
| Transaction on Apple is qualified and posted on OMD on October 25 | eGC is posted in the Oh My Deals! app by October 26 |
| Customer B | |
| Did not complete the required transaction count for Grab | n/a |
| Transaction on Lazada is qualified and posted on OMD on September 24 | eGC is posted in the Oh My Deals! app by September 25 |
All terms and conditions relating to the use of eGC code redemption per merchant, as indicated in the redemption eGC Hub, shall apply.
The status of each qualified eGC will be reflected in the Oh My Deals! app wallet e.g. Active, Used, Expired.
The eGC is not valid in conjunction with any ongoing promos.
All earned but unredeemed eGCs will expire and be deactivated sixty (60) days from the date of posting in the Oh My Deals! app.
All unredeemed eGCs at partner merchants will be deactivated sixty (60) days from the date of redemption in the Oh My Deals! app wallet.
Once a redemption is made, it cannot be canceled, reversed, or applied to another item, or eGC.
The Principal Cardholder is responsible for safekeeping his/her eGCs. BPI and the Merchant partner shall not replace the redeemed eGC code.
BPI will not send notifications via SMS and/or email on the expiry of the earned eGCs. It is the responsibility of the principal cardholder to track the expiry of their rewards. Earned rewards can be redeemed up to 60 days from the date of posting of the rewards in the Oh My Deals! app.
BPI will not accommodate cardholder requests in re-sending eGCs due to reasons such as, but not limited to:
Summarised from BPI's public promo page. Banks can change or end promos at any time, so check the official page before you pay.
Other banks
The same kind of deal, from other banks.
| TikTok Shop Seller | Transactions where the merchant description contains TIKTOK or TIK TOK with the MCC/s 5399, 7311, 5817, 5945 |
| Apple.com | Transactions where the merchant description contains APPLE.COM with the MCC/s 5732, 5735, 5818 |
| Transactions where the merchant description contains GOOGLE, or GOOGLE and PLAY with the MCC/s 5817, 5818, 5816, 7372, 7399, 5734, 4899, 5815, 7841, 7829, 4816, 7311, 5942, 4814, 5968, 5045, 5735, 5999, 5732 |
| Amazon | Transactions where the merchant description contains AMAZON, AMAZ*, AMAZO, AMZ, except those with PRIME or MUSIC with the MCC/s 5999, 5942, 5331, 4816, 5815, 5399, 5818, 5817, 7372, 5816, 5734, 7399, 5964, 5311, 5965, 7278, 4899, 5969 |
| Customer C | Saved his BPI Credit Card details on Shopee, Tiktok, and Amazon, and uses it to purchase at the following merchants: • Shopee purchase on September 24 worth PHP 1500 • Tiktok purchase on October 24 worth PHP 500 • Tiktok purchase on November 03 worth PHP 600 • Tiktok purchase on November 08 worth PHP 700 • Amazon purchase on October 25 worth PHP 1200 • Amazon purchase on October 30 worth PHP 1000 | 1. Shopee did not meet min. spend frequency of 3x during the promo period 2. Tiktok has three transactions, all with min. PHP 500 spend 3. Amazon did not meet min. spend frequency of 3x during the promo period Client is eligible for PHP 50 eGCs (1 merchant) |
Terms and conditions governing the issuance and use of BPI Credit Card and reminders and other provisions contained in the card carrier, statement of account, charge slips, and other documents or instruments, which are made an integral part hereof by reference, shall likewise be resorted to in instances where they are applicable to this Promo.
To redeem their rewards, the Principal Cardholder must login to the Oh My Deals! app, go to their promo, and redeem the unlocked eGCs per qualified merchant.
The Cardholder has sixty (60) days from the date of meeting the required accumulated spend to claim the eGC from the Mission. Once claimed, the eGC will be viewable in the OMD Wallet and will be valid for redemption at participating merchants for sixty (60) days.
For example:
| Transaction on Shein is qualified and posted on OMD on August 27 | eGC is posted in the Oh My Deals! app by August 28 |
| Customer C |
| Did not complete the min. spend requirement for Shopee | n/a |
| Transaction on Tiktok Shop is qualified and posted on OMD on November 08 | eGC is posted in the Oh My Deals! app by November 09 |
| Did not complete the required transaction count for Amazon | n/a |
a. Lost, stolen or defective mobile device
b. Expired eGCs
c. The eGC was successfully sent to the principal cardholder’s registered contact information in BPI’s system, but the contact information is no longer in use by the cardholder without updating his/her records with BPI.
Only pre-selected Principal BPI Credit Cardholders who receive the promo via email, and/or Viber message will be qualified to join, and who are also able to view the promo offer in the Oh My Deals! app.
To qualify for the promo, cardholder must meet the required transaction frequency, amount per transaction, and transaction in the participating merchants.
BPI Amore Cashback, BPI Amore Platinum Cashback, BPI Corporate Card, BPI Edge, BPI Gold Rewards, Petron BPI, BPI Platinum Rewards, BPI Rewards, BPI Signature, BPI Signature Wealth Card, and Robinsons Cashback Card, powered by Visa.
Please download/log in to the Oh My Deals! app and check the Missions to check if you are included in the promo.
Only the pre-selected BPI Credit Cardholders who are able to view the promo in the Mission will be eligible to join the promo.
a. Download/Log-in to the Oh My Deals! app.
b. Look for the Tap & Spend promo in the Missions.
c. Register to the promo.
d. Spend in the Tap & Spend merchants based on the promo mechanics.
e. Receive eGCs based on the spend requirements you meet.
f. Enjoy this deal.
No, only transactions in the participating merchants will be qualified.
For inquiries and comments, please send us a message or call our 24-hour BPI Contact Center at (+632) 889-10000.
Per DTI Fair Trade Permit No. FTEB-265756, Series of 2026.
BACK TO TOP
YOU ARE IN
