In a world where change remains constant, managing finances requires discipline and smart choices. Rising prices and growing family needs make finding extra money or side hustle a life goal. The right credit card in your pocket can be a helpful tool for financial flexibility.
When it comes to cashback cards, the most exciting part is redeeming the rebates. If you’re looking for a credit card that you can use for grocery purchases while giving you cashback rewards in every transaction, the BPI Amore Cashback Card is worth considering.
But before you tinker with math on how much you will earn every billing cycle, let’s first explore this shiny EMV-chipped plastic card’s features, benefits, and terms and conditions.
Spoiler alert: you can actually earn up to 4% cashback on your transactions. But is it worth it? I’ll walk you through everything you need to know.
BPI Amore Cashback Card key features
| Annual Fee |
|
| Minimum Annual Income |
|
| Monthly Interest Rate |
|
| Cash Advance Fee |
|
| Late Payment Fee |
|
| Statement of account copy |
|
| Card Replacement Fee |
|
| Card Network |
|
How does the BPI Amore Cashback Card work?
Swipe or shop online, and you’ll earn cashback on your transactions, all calculated in ₱1,000 increments:
- 4% cashback on supermarket purchases
- 1% cash back on drugstores and utilities
- 0.3% cash back on all other local retail spend
Max cashback you can earn in a year? ₱15,000; it’s perfect for families who rack up those grocery bills and everyday essentials.
Not eligible? Small transactions below ₱1,000 or “blocked” spending categories (think casinos, cash advances, specific merchant codes) won’t earn rebates.
How to redeem BPI Amore Cashback?
Here’s your cashback redemption guide.
- Request your cashback; it’s not automatic. Unfortunately, this can’t be done via mobile app banking.
- Redeem at any BPI branch or online via Help & Support.
- Claim in ₱500 increments; gets credited in about 10–15 banking days.
- Only the principal cardholder can redeem, but all supplementary card earnings roll up under your account.
- If your card or account is blocked, fix it first. Check BPI Online or contact BPI support.
For nitty-gritty details, see the official redemption terms.
What are the other features of the BPI Amore Cashback Card?
Aside from the cash rebates, here are the other features of the BPI Amore Cashback Card:
- Convert your credit to cash. Withdraw up to 30% of your available credit, payable over 36 months (reminder: cash advances don’t earn cashback).
- Installments Galore: Enjoy Buy Now, Pay Later options, 0% installment programs, and flexible monthly payments.
- Spread out payments with installment options: The card provides various installment options, such as 0% installment, Buy Now Pay Later, and additional installment limits with Bonus Madness Limit. Additionally, you can convert your straight purchases to installments with low add-on rates.
- Take advantage of Ayala Mall’s perks: The card offers exclusive perks at Ayala Malls, including unlimited access to Ayala Malls’ exclusive customer and family lounges.
- Enjoy cashless transactions: Shop safely and conveniently with our widely accepted card. Enjoy contactless transactions online and in-store.
- Get discounts and access to exclusive offers: BPI also offers various promotions throughout the year, such as discounts at select retailers and restaurants, as well as travel promos for hotel stays. If you love booking hotels and ticket planes on Agoda, all BPI cards — credit cards, debit cards, and prepaid cards — can get up to 6% off when you use them for reservations.
Here are the other promos available, taken from BPI’s website as of October 23, 2025
Remember that this is purely a cashback card, so there are no rewards or air miles points to earn.
What are the requirements to apply for a BPI Amore Cashback Card?
To apply, make sure:
- You meet the income requirement (₱180,000/year) or your monthly income is ₱15,000. It suits new credit cardholders and freshly hired employees who want to build a good credit standing.
- You’re ready to submit one valid ID, proof of income (COE or previous issuer’s credit card statement), and any other supporting docs at your preferred branch.
- You have at least one valid ID (Driver’s license, passport, BIR/TIN, PRC ID, Postal ID, etc.
Other information you should know about BPI Amore Cashback Card
By now, you should have a list of this cashback card’s features and benefits. I also listed some of the important information you should know that I extracted from the terms and conditions.
- It is a purely cashback credit card. You will not earn any reward points from the Real Thrills Rewards Program.
- Cashback earned by the principal and supplementary cardholders will be combined and reflected on the former’s statement of account.
- You earn cashback provided that the transactions are made locally or online, via Special Installment Plan (SIP) of the merchant partners.
- If the principal cardholder reaches the cashback cap of ₱15,000 between January and December, the cashback accumulation will pause until December 31 of the same year. The new accumulation cycle to earn cashback resumes on January 1 of the succeeding year.
- While you can enjoy withdrawing cash using your credit limit, you are not eligible to earn cashback from any cash advance transactions. Balance transfers, balance conversions, casino/gambling, and money transfers are not eligible for cashback.
Alternative to the BPI Amore Cashback Card
If you’re unsatisfied with the BPI Amore Cashback Card’s features and benefits, explore these other options to help you decide which one is right for you.
HSBC Gold Visa Cashback: up to 5% rebate on dining transactions
Earn 5% rebate on dining transactions and 0.50% on other expenses with HSBC Gold Visa Cashback. Plus, enjoy a 6% fuel rebate on your first gas up at Caltex stations and 3% fuel rebate on subsequent transactions if you’re always on the road.
If you love eating out, you can maximize the rebates whenever you dine in select merchant partners and restaurants. Aside from that, you can request a zero percent installment on your big ticket items with flexible payment terms in 3, 6, or 12 months, but you need to pay for the processing fees.
UnionBank Cash Back Visa Platinum Credit Card: Up to 6% rebates on groceries & more
If you’re based in the National Capital Region, the Citi Cashback Card is no longer available (as Citi cards have been discontinued in the Philippines). As an alternative, consider the UnionBank Cash Back Visa Platinum Credit Card. It offers:
- Up to 6% cash back on supermarket purchases
- Up to 2% cash back on Meralco bill payments (when paid via UnionBank Online)
- 0.20% cash back on all other purchases
- Maximum rebates of ₱15,000 per year (requires spending at least ₱10,000/month on non-Meralco and non-supermarket purchases to maximize rebates)
- Never-expiring cash back—redeem anytime
- Virtual card activation upon approval (no need to wait for a physical card)
You can manage your UnionBank credit card transactions, check balances, pay bills, and auto-charge utilities all through the UnionBank Online platform, giving you full control and monitoring of your spending and rewards.
Security Bank Complete Cashback Platinum: up to 5% on different spending categories
Earn up to 5% cashback with this versatile credit card. Get rewarded for shopping, dining, utilities, fuel, and groceries, with a maximum cashback of ₱1,000 per billing cycle. It’s perfect for growing families looking to make the most of their spending.
Final thoughts
BPI Amore Cashback Card annual income requirement is an attractive offer for new entrants. If we’re going to compare the card with other cashback cards, it’s rather less appealing if you’re shopping for different categories like shopping, dining, fuel, and utilities.
For instance, Security Bank’s offer is better as it’s more flexible when it comes to earning rebates in various spending categories. What’s a deal breaker is that cash rebates are not automatically credited to your account.
You still have to contact the bank to request the rebates. Unlike other cashback cards from HSBC and UnionBank, they automatically reflect on your statement of account. However, if most of your spending is within the ecosystem of Ayala-owned companies, I think you will benefit from this card, especially if you always hang out in Ayala Malls.
Plus, the good thing about having a BPI credit card is you’ll enjoy the Buy Now Pay Later option if you’re buying high-ticket items like gadgets, appliances, and more.
It’s also one of the few credit cards that has low annual fee, which only costs ₱2,050 — other cards can go as high as ₱2,500 and up to ₱4,500.
What do you think of the opportunity to have your groceries even cheaper with a BPI Amore Cashback card? Is earning 4% cashback on groceries enough for you?
We would love to hear your thoughts in the comments below.