BPI Amore Cashback Card: Grocery Savings That Add Up Faster Than You Think

Earn up to 4% cashback on supermarkets and 1% on drugstores — automatically credited to your statement, no redemption steps needed.

The BPI Amore Cashback Card takes a different approach to credit card rewards in the Philippines. Instead of accumulating points you may never redeem, it puts actual pesos back into your account every billing cycle. With up to 4% cashback on supermarket purchases and automatic crediting — no redemption steps required — this card is built for Filipinos who spend consistently on household essentials and want tangible returns.

Who Should Consider the BPI Amore Cashback Card?

This card makes the most financial sense for people whose monthly spending is concentrated on groceries, utilities, and drugstore purchases. If you regularly shop at SM Supermarket, Robinsons Supermarket, Puregold, Landers, S&R, or any major grocery chain in the Philippines, the 4% cashback rate on supermarket transactions is hard to beat among locally available credit cards.

It is also a strong pick for families. A household that spends ₱15,000 to ₱20,000 monthly on groceries alone could recover ₱600 to ₱800 per month in cashback without changing any spending behavior. Over a year, that is ₱7,200 to ₱9,600 returned to your statement — enough to cover a utility bill or two.

The card also fits professionals who live near or frequently visit Ayala Malls. Cardholders get unlimited free access to Ayala Malls Customer and Family Lounges nationwide — a perk that sounds minor until you have spent three hours shopping with children and need a quiet space to rest.

Where the BPI Amore Cashback Card does not fit is for heavy travelers. There are no miles conversion options, no airport lounge access outside of Ayala Malls, and no travel insurance bundled with the card. If your spending skews toward flights and hotels, look at the BPI Platinum Rewards Card instead.

How the BPI Amore Cashback Card Works in Practice

The cashback structure is tiered by merchant category, and it applies to local transactions only:

• 4% cashback on supermarket purchases
• 1% cashback on drugstore and utility bill payments
• 0.3% cashback on all other local purchases

Cashback is automatically credited to your statement — there is no manual redemption process, no minimum threshold to claim, and no expiration on accumulated cashback. The annual cashback cap is ₱15,000 across all categories combined.

The card’s fee structure is as follows:

• Annual fee: ₱2,050 — waived for the first year
• Supplementary card fee: ₱0 for the first supplementary card; ₱1,025 per additional card
• Monthly interest rate: 3.0% on outstanding balances (BSP ceiling rate)
• Late payment fee: ₱850 or the unpaid minimum amount due, whichever is lower
• Cash advance fee: ₱200 or 2% of the withdrawn amount, whichever is higher
• Foreign transaction fee: 2.0% of the converted transaction amount

BPI requires proof of income for the application. For employed applicants, this means your two most recent payslips or your latest Income Tax Return (ITR). If you already hold a credit card from another traditional bank for at least 12 months, you can submit a copy of your most recent credit card statement instead.

BPI Amore Cashback Card

4% Supermarket Cashback Auto-Credited Monthly Ayala Malls Lounge

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What Most People Overlook About This Card

The first supplementary card is free for life. Most reviews mention this in passing, but it is a significant benefit. If your spouse or a family member handles the grocery shopping, adding them as a supplementary cardholder means their supermarket purchases also earn 4% cashback under your account — effectively doubling your earning potential without any additional fee.

The Ayala Malls lounge access is another underrated perk. This is not a one-time welcome benefit — it is unlimited and ongoing for the entire life of your account. Cardholders simply present their active BPI Amore Cashback Card at the entrance of any Ayala Malls Customer or Family Lounge. There is no spend requirement, no reservation needed, and the lounges are available during mall operating hours.

BPI also offers Real 0% Installment plans at partner merchants, allowing you to split purchases into monthly payments with genuinely zero interest and zero add-on fees. The partner merchant list is extensive, covering electronics retailers, furniture stores, and appliance centers across the Philippines.

One more detail that tends to get buried: the foreign transaction fee on this card is 2.0%, which is actually lower than what many Philippine bank cards charge. If you occasionally shop on international websites, this slight edge can save you a few hundred pesos annually compared to cards that charge 2.5% or more.

Where the BPI Amore Cashback Card Has Limitations

The annual fee of ₱2,050 kicks in on the second year. Whether BPI waives it beyond the first year depends on your spending volume and relationship with the bank — there is no published automatic waiver threshold. Some cardholders report success requesting a waiver after spending ₱100,000 or more annually, but this is not guaranteed.

The 0.3% rate on non-grocery, non-drugstore, non-utility purchases is essentially negligible. If you spend ₱50,000 on general retail in a month, your cashback on that category is just ₱150. The card is heavily optimized for essential spending and offers very little reward outside of that lane.

The ₱15,000 annual cashback cap means the card maxes out its value at a certain spending level. To hit the cap purely on supermarket cashback at 4%, you would need to spend ₱375,000 on groceries in a year — roughly ₱31,250 per month. For most Filipino households, this cap will not be a limiting factor, but high-spending families should be aware of it.

Cashback does not apply to cash advances, balance transfers, annual fees, finance charges, or transactions at casinos and gambling establishments. This is standard across most cashback cards, but it is worth stating clearly.

Does the BPI Amore Cashback Card Fit Your Spending Pattern?

The BPI Amore Cashback Card is not trying to be everything to everyone. It targets a specific spending pattern — consistent, high-frequency purchases at supermarkets, drugstores, and utility providers — and rewards that pattern better than most other cards in the Philippine market. The automatic cashback crediting eliminates the friction that makes many rewards programs feel pointless.

If your monthly credit card usage is dominated by groceries and household essentials, this card will quietly return thousands of pesos to your account every year. Pair it with the free supplementary card for a family member who also shops for groceries, and the math becomes even more compelling. For Filipinos who want their credit card to earn while they handle the basics, the BPI Amore Cashback Card is a practical, no-gimmick choice.

BPI Amore Cashback Card

4% Supermarket Cashback Auto-Credited Monthly Ayala Malls Lounge

Apply Now You’ll be redirected to another site