Free-for-Life Supplementary Card (maximum of 5)
Cardholders can share the world-class and high-status benefits and privileges of their Black Card with their loved ones with the first FIVE supplementary cards FREE FOR LIFE!

Automatic Reversal of Annual Membership Fee
Annual membership fee is automatically reversed or waived upon card renewal if the cardholder's total accumulated billings charged for the last 12 months is at least P500,000

Bankard Infinite Rewards
Every P25 charged to the Black Card earns the cardholder ONE (1) Rewards point. Each point translates to the equivalent of a 1% rebate on spending compared to only 0.38% to 0.60% given by other credit cards. The following table illustrates clearly how much more Rewards points a cardholder gets with his or her Black Card:

Description	Bankard	Brand A	Brand B	Brand C
Points Conversion	P25 = 1 point	P100 = 1 point	P25 = 1 point	P30 = 1 point
Minimum Rewards Peso Value for P20,000 spending	P200	P66	P76	P120
Rewards Rebate on Spending	1%	0.33%	0.38%	0.60%
Availability of terms	Affiliated merchants	catalog	catalog	catalog
Expiry of points	No expiry	5 years	2 years	no expiry

The following Rewards Table shows the number of points needed to be able to redeem the desired rewards:

POINTS	REWARDS
800	P200.00 voucher
2,000	P500.00 voucher
4,000	P1,000.00 voucher
20,000	P5,000.00 voucher
14,000	Annual Fee Waiver for Principal Classic