Bank of Commerce Gold Mastercard – How to Apply


Bank of Commerce has been one of the Philippines’ leading banks and financial institutions. Since 1963 (originally called as Overseas Bank of Manila), they have been providing financial services and solutions for every Filipino not only domestically but also internationally (for the benefit of Overseas Filipino Workers).

As a way to offer more options for their growing clientele, the bank offers a Gold Mastercard credit card, which you can use to spend on the things you want without the hassle and extra fees.


If you are interested in having your own Bank of Commerce Gold Mastercard, read on as we give you the detailed info about this card, its benefits, and how you can apply hassle-free.

Bank of Commerce Gold Mastercard

Bank of Commerce Gold Mastercard Features and Benefits

Love to dine out and discover new shopping venues? Paying for your exquisite meals and items using the Bank of Commerce Gold card gives you more as you earn rewards 5 times more when you use your card at selected establishments.


You can also earn through travel or even filling up gas. For every Php25 you spend, you earn one point, which you can exchange for discounts or even awesome freebies offered by the Bank of Commerce.

Bank of Commerce Gold Mastercard Eligibility and How to Apply

For you to be eligible for the Bank of Commerce Gold card, you must have at least a minimum monthly income of Php455,000 and should be at least 21-65 years old upon applying. The bank only requires you your Tax Identification Number (TIN) and SSS number along with your application. GSIS Number also works.

Once your application has been approved, the credit limit of your card will be determined based on a number of factors, like your credit history, current income, as well as your expenses.

For more information on how to apply for the Bank of Commerce Gold card, you may visit the nearest bank branch, or you may also conveniently apply for one on the Bank of Commerce website.

Bank of Commerce Gold Mastercard Interest Rates and Charges

  • Annual Fee – PHP 2,500
  • Interest Rate – 3.25% per month
  • Cash Advance Service Charge – PHP 100
  • Late Payment Charge – Php700 or the unpaid minimum amount due, whichever is lower

Bank of Commerce Contact Details

Bank of Commerce corporate office is at San Miguel Properties Centre # 7 St. Francis Street Mandaluyong City 1550.

Contact Number: (02) 632-BANK (2265)


If you’re looking for the perfect card that lets you accumulate points for great discounts and freebies, then we highly recommend this credit card. Although it doesn’t have those bigger privileges like travel insurance, VIP access to international airport lounges, and so on, this card is an ideal card for first-timers, as it earns you more points, which you can exchange for something else in the future.

If you love discounts and free stuff, then this card is definitely for you.

Note: There are risks involved when applying for and using a credit card. Please see the bank’s Terms and Conditions page for more information.