I also have a BPI eCredit card. It's considered part of your existing card, can only be used with internet purchases, with limited credit limit (P 10,000.00 in my case). All purchases made using this card are reflected in the billing statement of your regular card. The lower credit limit means lesser risk you just in case your credit card is hacked. I used this often to buy music from US sellers (amazon, musicdirect, acousticsounds, ebay, etc.).