The BPI Amore Cashback Card is built for everyday essentials, helping you save on groceries, utilities, and health-related purchases. It offers high cashback rates on common household expenses, making it ideal for families and practical spenders. With additional perks like Ayala Malls lounge access and flexible installment options, it adds convenience to your spending. It’s a solid choice for those who want consistent cashback on their regular monthly expenses.
Card Tier:
Rewards Type:
Best For:
Min Annual Income:
180,000
Annual Fee:
2,050
Annual Fee Policy:
Earn 4% cashback on groceries, 1% on drugstores and utilities, and 0.3% on all other local retail spend.
Enjoy multiple installment options, including FlexipayZero, FlexipayLater, and Bonus Madness Limit.
Get Ayala Malls perks, including access to exclusive customer and family lounges.
Benefit from a low 1.85% foreign exchange fee on overseas transactions.
Credit to Cash:
Credit-to-Cash
Purchase Installment:
n/a
Balance Conversion:
Balance Conversion
Balance Transfer:
Balance Transfer
Special Installment:
Flexipay, SIP-Hospital, SIP-School
Send Money:
n/a
Bills Payment:
n/a
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n/a
Annual Fee:
2,050
Annual Fee note:
Annual Fee Supplementary:
1,025
Annual Fee Supplementary note:
First supplementary card free for life
Retail Monthly Interest Rate:
3%
Cash Advance Monthly Interest Rate:
3%
Cash Advance Fee:
₱200
Processing Fee – Credit to Cash:
₱300
Processing Fee – Purchase Installment:
n/a
Processing Fee – Balance Conversion:
₱300
Processing Fee – Balance Transfer:
₱300
Send Money Fee:
n/a
Note: The installment processing and Send Money fees shown above reflect the minimum applicable amount. Actual fees may vary depending on the transaction amount, currency involved, or how the request is initiated (e.g., through electronic channels or via customer service).