To cancel or keep my BPI Visa Signature Card
Hi everyone, I need your recommendations. I was recently offered a BPI Visa Signature Card and because I have a 1 year no annual fee benefit, I decided to activate it because I want to avail of its dining promos (which I already used in Cibo for a 50% discount). Unfortunately, I cannot upgrade my Vybe account so I won't be able to access my points/rewards despite calling the CS several times already and reaching out through all possible platforms.
This is my CC with the highest limit, I have two other CCs (one with BDO and one with Unionbank). Given that I cannot access my points/rewards through Vybe in the long run, should I still keep this card despite the 5,500 annual fee in the future? (Another card I'm considering if not for BPI is the RCBC Hexagon Privilege)
For additional context, I plan to use it for dining deals and potentially (but not frequently), lounge access in NAIA 1 or 3 (I travel annually).
Let me know what you think or if you have recommendations for me. Maraming salamat!
Posted Nov 5, 2025, 1:46 AM UTC