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BPI Amore Cashback Card: Zero Fee, But What's the Catch?
The BPI Amore Cashback Card offers a zero annual fee with a PHP 30,000 spend. But is it really the best cashback option for you?
The Quick Version
The BPI Amore Cashback Card boasts a zero annual fee if you spend PHP 30,000 annually. With cashback on dining and shopping, it's a decent pick for frequent spenders. But watch out for the unspecified foreign transaction fees, which could add up for travelers.
Rates shown are representative. Your actual rate depends on your credit profile. This is not financial advice.
BPI Amore Cashback Card
Explore the BPI Amore Cashback Card for zero annual fees with a catch.
Fees & Rates
The BPI Amore Cashback Card waives its annual fee for life if you spend PHP 30,000 annually. While the exact cashback rate isn't specified, expect incentives on dining and shopping. The foreign transaction fee remains a mystery, which is a potential pitfall for international spenders.
What's Actually Good
✅ No annual fee with PHP 30,000 spend.
✅ Cashback on dining and shopping — perfect for frequent spenders.
✅ Part of the Visa network, widely accepted globally.
The Catch
❌ Foreign transaction fees are not specified, which could be steep.
❌ Cashback rate details are vague, making it hard to compare with competitors.
❌ Requires PHP 30,000 annual spend to waive the fee — not ideal for low spenders.
This Card Is For You If...
You spend at least PHP 30,000 annually and prioritize dining and shopping rewards. It's not for you if you frequently travel abroad or if your annual spending is lower.
The Bottom Line
If you meet the spending threshold, this card offers solid rewards on dining and shopping. However, frequent travelers should look elsewhere due to the unspecified foreign transaction fees. For more cashback strategies, check out Smart Credit Cards for 2026: Cashback Strategies.
