Open a world of possibilities with a credit card that is widely accepted wherever the Visa logo is displayed. Dine, shop, and travel without having to carry large sums of cash. Use your card all over the world and pay the bill either in Pesos or in US Dollars.


Here is a card guaranteed to broaden your shopping perspective. Expand your spending horizon with a credit card that gives you the privileges that an International Card offers. Plus, enjoy higher than average spending limits and flexibility to pay your bills either in Pesos or US Dollars

  • Global acceptance in over 30 million establishments in 220 countries wherever the VISA symbol is displayed
  • Separate credit limit in Pesos and Dollars for your local and foreign transactions.
  • Accumulate rewards point for every P50 purchase and redeem from a wide selection of premium items with the Advantage Plus Reward Program.
  • Get new appliances, gadgets or other high ticket items and pay for it on affordable terms of 3 to 24 months using the E-Pay Installment Plan.
  • Extend the benefits to your loved ones by applying for up to 4 supplementary cards.
  • Avail of emergency funds up to 30% of your credit limit with the Cash Advance facility through any of the 5,000 MegaLink or BancNet ATM nationwide or over 835,000 Visa Plus networks worldwide.
  • Option to pay 5% or Php500/USD50 whichever is higher, of the total amount payable and rollover the remaining balance for next month's billing at low interest.


  • Applicant must be between 21 to 65 years old for a Principal cardholder and at least 18 years old for a Supplementary cardholder.
  • Minimum annual income of P120,000 for Classic Visa and P480,000 for Gold Visa.
  • Applicant must have an active mobile and landline number at the office or place of residence
  • Must have a Philippine residence and business address
  • Must be a regular employee at the time the application is submitted or if self employed, business should have been in operation for at least 2 years.
Documents Required
  • Credit Card Application Form
  • Photocopy of valid ID
    • List of acceptable ID: Driver's License, Passport, SSS ID, Company ID (if Top 5,000 Corporation), Postal ID, PRC ID, company ID, Voter's ID, TIN, NBI Clearance, GSIS E-card, and all other ID issued by the Philippine Government and all its instrumentalities
  • Billing statements (cell phone, utilities, etc.) for the past two (2) months
  • Copy of last two (2) month's credit card billing (must be a principal cardholder of good standing in the last 12 months)
  • Copy of the latest Income Tax Return (BIR Form 2316) with BIR or bank stamp,
  • Any of the following:
    • Certificate of Employment stating applicant's position, income, and length of stay in the company (original copy only)
    • Latest pay slip within the last two (2) months
    • Letter of Appointment
  • Latest Income Tax Return (BIR Form 1700) or Certificate of Payment / Tax Withheld (BIR Form 2316)
  • Copy of business registration papers with DTI (if single proprietorship) or SEC (if partnership or corporation)
  • Audited Financial Statement for the last 2 years
  • Certified True Copy of Articles of Incorporation and By Laws
If not a Filipino Citizen
  • Photocopy of Passport or Valid Visa
  • Photocopy of Alien Certificate of Registration (ACR)
  • Deed of Assignment for Deposit Hold Out (Hold out should be 150% of desired credit limit)
  • Proof of Government permission to engage in business / employment with at least one year validity

(Updated as of February 2014)
Principal Card Annual Membership Fee
PHP 1,500
PHP 3,000
Supplementary Card Annual Membership Fee
PHP 750
PHP 1,500
Monthly Effective Interest Rate (EIR)
Finance Charge
Based on average daily balance computation
Minimum Amount Due
Minimum amount due is computed as follows : (a) 5% of
the outstanding balance (less installment amortization,
if any) (b) Installment amortization (c) Overdue amount
(d) Overlimit amount. Payment due is the sum of (a),
(b), (c) and (d); or Php 500 for peso transactions, USD 50
for dollar transactions, whichever is higher
Rewards Program
PHP 50 = 1 point
USD 1 = 1 point
Late Payment Charge
2% of overdue amount
Cash Advance Fee
5% of amount withdrawn
+ PHP 50 Service Fee
5% of amount withdrawn
+ USD 2 Service Fee
Cash Advance Service Fee
PHP 50
Card Replacement Fee
PHP 300
Request for Statement
PHP 19
Request for Charge Slip
PHP 350
Returned Check Fee
PHP 500
Foreign Exchange Conversion Rate
Assessment fee of 1% + service fee of 1% of the
converted amount will be charged by VISA and BOC, and
shall be imposed at the sole and absolute discretion of
BOC and may be subject to change
Installment Acceleration Fee
PHP 500


Pay your Credit Card Bill via any of the following channels:

  • Bank of Commerce Branches
    • Pay over-the-counter at any of the Bank's 122 branches nationwide
    • Click here for the complete list of the Bank's branches
  • Auto Debit Arrangement
    • Open an account with Bank of Commerce and enroll in the Auto Debit Arrangement (ADA) facility
  • Bank of Commerce bCommerce (Retail Internet Banking)
    • Register your Bank of Commerce Current / Savings Account to pay online
    • Click here to go to bCommerce portal
  • Bank of Commerce and BancNet ATMs
    • Use your Bank of Commerce, or any BancNet affiliated ATM cards to pay via any Bank of Commerce's or BancNet's ATMs nationwide
  • BancNet Online
    • Use your Bank of Commerce, or any BancNet affiliated ATM card - card number to pay online via BancNet's online portal (click here)
  • Other Payment Channel
    • BDO Branches (Over-the-Counter)

Quick Links Security Reminders
Savings & Loans

Member: PDIC. Maximum Deposit Insurance
for Each Depositor P500,000.