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Credit card · Cashback
BPI Amore Cashback Card
by Bank of the Philippine Islands
Cashback card
Quick take
Main benefit
Cash back. You earn money back on what you spend — no points to convert.
Main catch
No major catch stands out, but always check the bank's terms before you apply.
Income needed
₱15,000/mo The bank does the final check.
Annual fee
₱2,050/yr
Truva may earn a fee if you apply through a partner link. This does not change your terms or our picks. Banks make the final approval decision.
Is this card for you?
Good fit if
- You want a first credit card from a bank people recognize.
- You want simple rewards without tracking categories.
- You pay your balance in full each month to avoid interest.
Look elsewhere if
- You'd rather earn travel points or airline miles.
- You expect to carry a balance from month to month.
- You want the highest rewards rate on the market.
The numbers
Earn ratepercent on groceries
Annual fee₱2,050/yr
Interest if unpaidStill being checked with the bank
Late payment feeStill being checked with the bank
Foreign currency markup1.85%
›More fees and details
Cash advance fee₱200
Over-limit feeStill being checked with the bank
Effective annual interestStill being checked with the bank
Fee waiverFree annual membership fee for life for the first Supplementary card holder
The catch
- No major catch stands out, but always check the bank's terms before you apply.
Ready to decide?
Truva may earn a fee if you apply through a partner link. This does not change your terms or our picks. Banks make the final approval decision.
You'll finish on BPI's official site. Truva doesn't collect your application or see your details.
›What you'll need before you start
- One valid government ID— passport, driver's license, UMID, or PhilSys.
- Proof of income — a recent payslip, your latest ITR, or a COE with salary.
- Proof of billing address — a utility bill or a bank statement.
- 10–15 minutes to fill out BPI's application form.
From BPI's official page · Checked Apr 26, 2026
Truva may earn a fee if you apply through a partner link. This does not change your terms or our picks. Banks make the final approval decision.