BPI Amore Cashback Card: fees, interest and requirements
The BPI Amore Cashback Card has an annual fee of ₱2,050 a year, waived in the first year and charges 3% a month on unpaid balances.
Verdict: Worth it if the cash back on your own spending comes to more than ₱2,050 a year. The first year is free.
From BPI credit card fees and charges, dated July 2026. Interest cap, in force since 2023: BSP Circular No. 1165, s.2023.
₱20,000 repaid in 3 equal monthly payments at 3% a month costs ₱1,212 in interest; add the ₱2,050 annual fee and a year comes to ₱3,262, 42nd lowest of 127 cards open to the public.
BPI's closest card is the BPI Signature Card. Against it, this card costs ₱2,050 a year instead of ₱5,500, earns rewards on different terms and has different perks.
BSP supervised: Bank of the Philippine Islands, universal and commercial bank, BSP institution ID 29, is on the BSP Verifier list dated Sep 28, 2026.
What the BPI Amore Cashback Card gives you
- Earn 4% on supermarkets, 1% on drug stores and utilities, and 0.3% on everything else. BPI card page
- 4% cashback at supermarkets same page
- You can earn as much as Php 15,000 worth of cashback every year. same page
- Get unlimited access to Ayala Malls' exclusive customer and family lounges. same page
Who should get the BPI Amore Cashback Card
| If | Then |
|---|---|
| You pay in full every month and want a cash back card | The Security Bank Wave Mastercard (Security Bank) needs ₱480,000 a year in income and costs ₱2,050 a year less. Pick the BPI Amore Cashback Card only if its rewards are worth more than that to you. |
BPI Amore Cashback Card downsides, and what a late payment costs
- The ₱2,050 fee is charged every year after the waiver ends.
If you pay late: BPI charges up to ₱850, and 3% a month interest runs on what is unpaid. Safe action: pay at least the minimum due by the due date, or the full balance to pay no interest.
BPI Amore Cashback Card annual fee, interest and charges
| Charge | BPI Amore Cashback Card | When, and the rule |
|---|---|---|
| Annual fee | ₱2,050 a year Supplementary: ₱1,025 a year | Waived in the first year. First supplementary card free for life. BPI fee table, July 2026 |
| Interest | 3% a month | At the BSP ceiling of 3% a month (Circ. 1165). same table |
| Cash advance | ₱200 a withdrawal plus 3% a month interest | The BSP maximum (Circ. 1165). same table |
| Late payment | ₱850 | same table |
| Foreign transactions | 1.85% | same table |
Figures from BPI credit card fees and charges (dated July 2026). BSP ceilings: BSP Circular No. 1165, s.2023. How BPI words its late-fee, foreign-fee and minimum-due rules, the same on all its cards: BPI billing rules.
Requirements and how to apply
Apply with the button below. Channels, documents, status and hotline: BPI contact and requirements.
Interest on your own balance
- Interest you pay at 3% a month:
- ₱1,212
- Monthly payment:
- ₱7,071
- Total you pay:
- ₱21,212
Against similar cards from other banks
| Card | Annual fee | Interest a month | ₱20,000 over 3 months, plus fees | Minimum income |
|---|---|---|---|---|
| BPI Amore Cashback Card BPI | ₱2,050 a year first year free | 3% | ₱3,262 | - |
| Toyota Mastercard Metrobank | ₱2,500 a year first year free | 3% | ₱3,712 | ₱180,000 a year |
| UnionBank Gold Mastercard UnionBank | ₱2,500 a year | 3% | ₱3,712 | ₱360,000 a year |
| PNB Cashback Titanium Mastercard PNB | ₱2,500 a year first year free | 3% | ₱3,712 | ₱120,000 a year |