Editor's Verdict
"A solid cashback card for frequent Ayala shoppers. The 4% grocery cashback is among the best in its class, and the first-year fee waiver makes it easy to try risk-free."
What We Like
- ✓4% cashback on grocery purchases
- ✓Ayala Malls lounge access
- ✓First-year annual fee waived
- ✓Wide BPI branch and ATM network
What To Watch Out For
- ×₱3,000 annual fee kicks in after year one
- ×Cashback limited to select spending categories
- ×3% monthly interest rate if you carry a balance
Rates & Fees
| Annual Fee | ₱3,000Waived for the first year |
|---|---|
| Interest Rate (Finance Charge) | 3% per month |
| Reward Type | cashback |
| Minimum Income | ₱15,000 / month |
Who Can Get This Card?
Open to Filipino citizens and resident foreigners aged 21–65 with a minimum gross monthly income of ₱15,000. A valid government-issued ID and latest proof of income (payslip or ITR) are required.
Frequently Asked Questions
How is cashback credited?
Cashback is automatically credited to your next billing statement. There is no need to manually redeem it.
Can the annual fee be waived after the first year?
BPI may offer fee waivers if you meet a minimum spend threshold. Check with BPI directly for the latest waiver conditions.
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