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BPI · Visa · Classic

Amore Cashback

Why pick it: 4% back at supermarkets, up to ₱15k a year

Cashback Visa: 4% on groceries, 1% on drugstores and utilities, 0.3% elsewhere; each transaction needs ₱1,000 minimum, earned per ₱1,000.

Score
47 /100
Rank
#21 of 123
Annual fee
₱2,050
Solid A
GET IT IF…Honest take

Grocery card ito: 4% sa supermarkets, pero mahina ang earn sa ibang gastos.

Bottom line: Grocery ba ang pinakamalaki mong gastos, at kaya mo bang abutin ang ₱180,000 a year? Magandang grocery card ito. Kung all-around rewards ang gusto mo, maghanap ka ng iba.

Read the full take: the math, what's good, what hurts

Sa typical household (~₱825k a year), nasa ~₱7,500 ang cashback, pero ~-₱1,000 ang travel side, negative dahil sa foreign fee (1.85%). Annual fee: ₱2,050, pero auto-waived ito kapag nag-spend ka ng ₱180,000 a year, galing sa data. 47 ang score nito at #21 ang rank niya sa 123.

The numbers in this take are our estimates for a typical household, not bank policy. Check fees and waivers with the bank.

What's good

  • 4% cashback sa supermarkets, at 1% sa drugstores at utilities.
  • Up to ₱15,000 cashback a year.
  • Free for life ang first supplementary card, plus access sa Ayala Malls customer at family lounges.

What's bad

  • 0.3% lang ang earn sa lahat ng iba.
  • Local spend lang ang nasa page. Hindi eligible ang international in-store spend, galing sa data.
  • Walang travel perks na nakalista sa page.

The catch: Annual fee ng principal card: hindi nakalista sa BPI page. Supplementary cards lang ang may presyo roon: ₱1,025 per card, second hanggang sixth. Wala ring income amount sa page. Proof of income o statement mula sa card ng ibang bank ang hinihingi.

Rechecked on the bank page on 2026-10-24. Not on the page: annual fee; auto-waive at ₱180,000 yearly spend; minimum income amount. Our opinion, based on published terms. Not financial advice. The bank decides approval.

The take above is written for a typical household spending about ₱825,500 a year. Get your own score in 60 seconds.

Yearly value for a typical household:
about ₱6,500 in rewards (₱7,500) and travel value (−₱1,000), before the ₱2,050 annual fee (waived automatically at ₱180,000 yearly spend)
To qualify:
₱180,000 a year income; Employment tenure 2+ years, or under 2 only at a top-1,000 company
Bank service:
About typical.

First year

Welcome offer:
No annual fee for life after ₱50,000 spend (new-to-BPI; apply by Dec 15, 2026); Moneymax applicants also get a gift worth up to ₱1,995 (apply by Jan 15, 2027) (ends Dec 15, 2026)

Bank details as of Oct 23, 2026. Offers change; confirm on the bank's page before you apply. None of this changes the card's score.

Who can apply

Age:
At least 21; no maximum age stated.
Employment:
Employed applicants need 2+ years of employment tenure, or under 2 years only at a top-1,000 company.

Bank details as of Nov 4, 2026. Where a card's own page is silent, the rule is from the bank's general requirements page; confirm on the bank's page before you apply. None of this changes the card's score.

Score breakdown, fees, rewards and perks

Score breakdown

#21 of 123 cards open to new applicants, and #29 of all 170 scored cards once invite-only, closed and limited-eligibility cards are counted too.

  • Yearly value24 / 63

    These bars compare each part with other cards on its own, so they don't add up to Yearly value. How it is scored

    • Rewards on the default spend16 / 37

      About ₱7,500 a year in rewards on the typical household's spend, after caps and the foreign fee on foreign online spend. How the bars work

    • Annual fee after waivers16 / 16

      The ₱2,050 fee is waived automatically at ₱180,000 of yearly spend, which the typical household reaches. How the bars work

    • Travel and perks on the default spend1 / 10

      About −₱1,000 of travel value on one trip abroad a year, after the 1.85% foreign fee. How the bars work

  • Promos and 0% installments12 / 15

    0% installment network: strong. Promos: strong, judged by what a typical household would likely save from the promos this card gets, past and current, with 41 live promos tracked. How it is scored

  • Points flexibility6 / 10

    Cashback is simple to use but cannot move to an airline. How it is scored

  • Credit limit and upgrade path2 / 5

    Classic card level, plus how BPI handles credit limit increases and card upgrades. How it is scored

  • App and service3 / 5

    Banking app: strong. Service: about typical. How it is scored

  • Late fee1 / 2

    A late fee of ₱850 for one missed payment. How it is scored

On the default spend: about ₱7,500 a year in rewards and −₱1,000 in travel value.

Score over time

Total score and tier on each data date, on the default spend.

methodmethodmethodmethod55 AOct 2455 AOct 2646 AOct 2746 ANov 246 ANov 447 ANov 947 ANov 1047 ANov 11
  • Between Oct 24 and Oct 26 the scoring method changed (2 changes), so part of that move is the method, not the card.
  • Between Oct 26 and Oct 27 the scoring method changed (10 changes), so part of that move is the method, not the card.
  • Between Nov 2 and Nov 4 the scoring method changed (a card with a higher income minimum for first-time applicants is no longer left out), so part of that move is the method, not the card.
  • Between Nov 10 and Nov 11 the scoring method changed (3 changes), so part of that move is the method, not the card.
  • Method changes

Fees and who can apply

Annual fee
₱2,050
Supplementary fee
₱0
Fee waiver
Waived automatically at ₱180,000 yearly spend
Foreign transaction fee
1.85%
Minimum income
₱180,000 a year
Also needs
Employment tenure 2+ years, or under 2 only at a top-1,000 company

Rewards

4% cash back on groceries, 1% on drugstores and utilities, 0.3% on the rest. Each transaction must be ₱1,000 or more, counted in ₱1,000 steps. Local and online only. Redeem in ₱500 steps.

Caps: ₱15,000 per year (groceries, fuel, tolls & car service, utilities, telco bills, dining, online shopping, foreign online spend, department stores, drugstores, school fees, airfare, hotels, everything else)

Type
Cashback
Points expiry
none

Travel perks

International lounge visits
None
Local lounge
None
Travel insurance
None

Strengths

  • Fee auto-waived at ₱180,000 yearly spend
  • Low FX fee (1.85%)

Watch out for

  • Rewards capped at ₱15,000 a year

Live and upcoming promos (45)

As of Nov 11, 2026. Check each promo's source before you rely on it.

Show 40 more

What cardholders say (0)

Individual accounts, read by us before they appear but not checked with the bank. They never change this card's score.

No cardholder posts yet.

Official BPI card page ↗