BPI Amore Cashback Card review, fees and requirements
Families who spend a lot on groceries. Cashback has caps. Check BPI’s maximum against what you really spend at the supermarket.
Benefits of the Amore Cashback Card
From BPI’s own card page.
- 4% cashback at supermarkets
- 1% cashback at drugstores and on utilities
- 0.3% cashback on other local spend
Families who spend a lot on groceries.
Cashback has caps. Check BPI’s maximum against what you really spend at the supermarket.
What it costs
- Annual fee
- ₱2,050/yrBPI fee table
- Supplementary card
- ₱1,025 a year; first one free for life
- Interest
- Up to 3% a month (BSP cap)Only if you don’t pay the full balance by the due date
- Late payment
- ₱850 or the unpaid minimum, whichever is lower
- Cash advance
- ₱200 per transactionPlus interest from day one
- Foreign currency
- Ask the bank
What BPI asks for
- Gross income of about ₱15,000 a month (₱180,000 a year)
- No existing credit card needed
- A valid government ID and proof of income (payslips, COE or BIR Form 2316; ITR if self-employed)
- Age 21 or older is the usual rule for principal cardholders; check the bank’s form
Approval is the bank’s call. Applying where your salary or savings already are helps.
Cards to compare with the Amore Cashback Card
Similar cards from other banks, and the next level up.
Rebates on everyday categories from Metrobank.
- Rebates on everyday categories; Metrobank says up to ₱12,000 a year
- 0.2% rebate on all other purchases
Needs an existing card from another bank
- Annual fee
- Ask the bankAsk Metrobank
- Income needed
- ₱40,000/mo₱480,000 a year
Needs another bank’s card for 9+ months with a ₱50,000+ limit.
See it on Metrobank From the bank’s own pages · November 2026People who eat out often and can hit the promo spend.
- Up to 8% cashback on dining
- 5% on travel, shopping and entertainment
- 2% on fast food
- Annual fee
- Ask the bankHSBC promo: no annual fee for life if you spend ₱60,000 within 60 days and register in the HSBC app
- Income needed
- Ask the bankAsk HSBC
High cashback rates come with caps and conditions. Read HSBC’s terms first.
See it on HSBC Partly from the bank · confirm the rest · November 2026A mid-tier card from Security Bank.
- Annual fee
- ₱2,500/yr
- Income needed
- ₱30,000/mo₱360,000 a year
Figures from a 2025 fee table; confirm with Security Bank.
See it on Security Bank From comparison listings · confirm with the bank · November 2026
BPI Amore Cashback Card: questions
₱2,050 a year for the principal card (BPI fee table). Many banks waive it if you ask, use the card regularly or redeem points.
About ₱15,000 a month (₱180,000 a year), per comparison listings; confirm with BPI. Banks also look at your credit record and existing cards.
It can be, if your income clears the rule, but most people start with a no-fee card and move up after 6 to 12 months of paying in full.
4% supermarkets, 1% drugstores and utilities, 0.3% other local spend, per BPI’s own page. Rewards only pay off if you pay the full balance every month; card interest is up to 3% a month.
How this page works. Figures come from BPI’s own pages and, where the bank doesn’t publish them, comparison listings, checked November 2026. Banks change fees and rules and decide approvals case by case, so confirm on BPI’s page before you apply. If the button above is a partner link it says so; PesoPilot may earn a fee when an application is approved, at no cost to you, and it never changes what we say about a card. Educational, not financial advice.