Bpi Credit Card Annual Fees Old vs New (UNFAIR)

For some background before I rant.

Me and my brother both have a savings account since college (2011, 2013) It’s now also being used as the payroll account.

I got the gold rewards credit card 2 or 3 years ago with an annual fee

My brother applied for the same card and was approved this Nov 2025.

Now he got a text that if he spent ₱50,000 before January there would be no annual fees for life.

He informed me and I said that great news, and then he said that maybe I could try and reach out to the bank on how I can avail it. I was doubtful since usually this is just for news customers but i thought maybe if I try to avail for a different type that’s also offering that I could apply.

So I went to ayala branch to ask and I found out:

1. If you are an old customer there’s no chance that your current card will be given no annual fees for life.
2. The same for old customers that will apply for a new credit card they will never be given new offers for no annual fees for life
3. Even if i cancel my current one. And then wait for how many years to apply for a new one. Old customers will never be offered.

I was disappointed. I’ve been a loyal customer for more than a decade yet they treat old customers who pay on time like this.

And Yes I know if reach a minimum spending amount I can ask for my annual fees to be waived (which i usually spend) but that’s not the point. The point is that they really treat old customers so poorly and only care about getting new ones.

So again, it’s kinda unfair especially for those loyal customers who pay on time.