BPI Amore Cashback Card

The BPI Amore Cashback Card offers cashback rewards on everyday family spending, particularly at supermarkets, with no annual fee for qualifying users.

Last checked on September 24, 2026. We may earn a commission when you click through.

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✓ No annual fee with PHP 30,000 spend ✓ Up to 0.3% cashback on purchases ✓ Ideal for everyday family spending
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BPI Amore Cashback Card

Visa · cashback

Our Verdict

The BPI Amore Cashback Card is excellent for families who frequently shop at supermarkets, thanks to its cashback rewards. However, the high APR of 36% may deter those who carry a balance.

What it really costs

Annual feeWaived for life with PHP 30,000 spend No annual fee
APR Range 36% – 36%
Rewards 0.3%

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Who it's for

Ideal for families in the Philippines who regularly shop at supermarkets and can maintain a low balance on their credit card.

Watch out

The high APR can lead to significant interest charges if the balance is not paid in full each month.

The good and the not so good

  • No annual fee with PHP 30,000 spend
  • Up to 0.3% cashback on purchases
  • Ideal for everyday family spending
  • High APR of 36%
  • Limited cashback categories
  • Not specified foreign transaction fee

In-Depth Review

This card is designed for those who prioritize cashback on everyday purchases, especially at supermarkets. With **no annual fee** for users who spend PHP 30,000 annually, it encourages regular spending to reap rewards. However, the **36% APR** is steep, making it less may carry a balance month-to-month. The card offers **up to 0.3% cashback**, which is decent for basic family spending, but the limitations on categories can prevent higher earners from maximizing rewards. The user experience on the BPI app is generally smooth, allowing for easy tracking of rewards and payments. Despite the appealing cashback structure, users should be cautious of the **high-interest rates**. If you don’t pay off your balance monthly, the interest can quickly negate the benefits of earning cashback. This card is not recommended for those who have difficulty managing credit card debt.

Summary

The BPI Amore Cashback Card is a cashback credit card with no annual fee, offering up to 0.3% cashback on everyday family purchases, and an APR of 36%.

What cardholders say

Cardholders appreciate the cashback rewards but express concerns over the high-interest rates.

See full review

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