BPI Amore Cashback Credit Card: Cashback Made Easy
Certainly! The BPI Amore Cashback Credit Card is a popular and rewarding credit card offered by the Bank of the Philippine Islands (BPI). Designed for avid shoppers and movie enthusiasts, this card is tailored to provide users with attractive cashback rewards and exclusive perks.
With the BPI Amore Cashback Credit Card, cardholders can enjoy cashback benefits on their everyday purchases, allowing them to save money while they shop. Whether it’s dining at restaurants, shopping for clothes, or purchasing groceries, this card offers cashback rewards, making it a practical choice for those looking to maximize their savings.
One of the standout features of this card is its partnership with Ayala Malls Cinemas. Cardholders can avail of discounts and exclusive privileges when they watch movies at Ayala Malls Cinemas, enhancing their entertainment experience.
Additionally, the BPI Amore Cashback Credit Card provides a hassle-free and secure way to make payments, both online and offline, giving cardholders the flexibility and convenience they need in their daily transactions. The card is also equipped with advanced security features to ensure the safety of every transaction.
Overall, the BPI Amore Cashback Credit Card is an excellent choice for individuals who want to enjoy cashback rewards, exclusive discounts, and a seamless payment experience. Whether you’re a frequent shopper, a movie buff, or both, this card offers a range of benefits designed to enhance your lifestyle and help you save money.
BPI Amore Cashback Credit Card
is available in two variants:
BPI Amore Cashback Mastercard: This variant offers cashback rewards on your everyday purchases, allowing you to earn rebates whenever you use your card for dining, shopping, and other eligible transactions. BPI Amore Cashback Credit Card you earn is credited directly to your card account, providing you with savings on your expenses.
BPI Amore Cashback Platinum Mastercard: The Platinum variant offers enhanced benefits and higher cashback rates compared to the standard Amore Cashback Mastercard. With the BPI Amore Cashback Platinum Mastercard, you can enjoy even more substantial cashback rewards on your spending, making it an attractive option for individuals who want to maximize their savings.
Earn Cashback on All Local Spend: Receive cashback rewards on both in-store and online local purchases. Earn 4% cashback on supermarkets, 1% cashback on drug stores and utilities for every Php 1,000 spent. Additionally, get 0.3% cashback on other local retail spend.
Exclusive Perks: Enjoy unlimited access to Ayala Malls’ exclusive customer and family lounges, providing you with a premium shopping experience.
Cash Access: Convert your credit limit into cash and pay it back in installments over 36 months. You can also avail Cash Advance and withdraw up to 30% of your available credit limit.
Low Forex Rates: Benefit from one of the lowest forex conversion rates, set at just 1.85%, ensuring favorable rates for international transactions.
Flexible Installment Options: Take advantage of various installment plans, including Real 0% installment, Buy Now Pay Later, and an additional installment limit through the Bonus Madness Limit. Additionally, convert your straight purchases into installments at very low add-on rates.
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Dine-In and Online Food Delivery Cashback: Enjoy a 4% cashback on your dining expenses at your favorite restaurants or when you order food online through delivery services.
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Shopping Cashback: Earn a 1% cashback when you shop at supermarkets, department stores, and various other retail outlets.
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Cashback for Other Retail Purchases: Receive a 0.3% cashback on all your other retail purchases made using the card.
BPI didn’t introduce new cards; instead, they revamped the old Ayala Amore cards and added cashback features. Both the BPI Amore Cashback and BPI Amore Platinum Cashback cards have a professional design and similar perks, but there are differences worth noting.
Similarities:
- Unlimited access to Ayala Mall’s customer and family lounges.
- Up to 36 months installment terms.
- Low foreign exchange conversion rate of 1.85%.
- Cashback is redeemable in increments of ₱500.
- Cashback capped at ₱15,000 per calendar year.
- Minimum spend of ₱1,000 required for cashback eligibility.
Differences:
BPI Amore Cashback:
- Annual fee of ₱2,050 (Free for the first year).
- 4% cashback on supermarkets, 1% on drug stores and utilities, and 0.3% on other expenses.
- Cash advance of up to 30% of available credit limit.
BPI Amore Platinum Cashback:
- Annual fee of ₱5,000 (Free for the first year).
- 4% cashback on restaurants (including bars and fast food) and convenience stores, 1% on supermarkets, department stores, and other shopping stores, and 0.3% on other expenses.
- 6 complimentary parking tickets at select Ayala Malls for new cardholders.
- 5% discount on Ayala cinema movie tickets.
- Cash advance of up to 100% of available credit limit.
The Amore Platinum card offers higher cashback rates for restaurants, assuming people dine out more frequently than they visit supermarkets. However, the hefty annual fee might not justify the benefits, especially considering the ₱15,000 cashback cap. The minimum spend requirement of ₱1,000 for cashback eligibility can also be limiting for smaller transactions.
The low foreign conversion fee of 1.85% is a significant advantage, especially for international travelers. However, cash advances should be avoided due to associated fees and interest rates.
In summary, the regular BPI Amore Cashback card is a decent choice, particularly for frequent grocery shoppers and those buying medications. The Amore Platinum card’s high annual fee might not be justified by the benefits it offers, making other cards with better cashback options, like the HSBC Visa Cashback card, more appealing.
Ultimately, the decision to choose a credit card depends on individual preferences and spending habits.
"Discover BPI's Latest Credit Card Offerings: Elevate Your Finances with Our New and Exciting Cards!"
here is a list of some of the BPI (Bank of the Philippine Islands) credit card products available:
BPI Blue Mastercard: A basic credit card with essential features for everyday spending.
BPI Gold Mastercard: Offers higher credit limits and additional privileges for cardholders.
BPI Edge Mastercard: Geared towards frequent travelers and online shoppers, offering rewards and discounts on travel and online purchases.
BPI Family Credit Card: Designed for family-oriented individuals, providing exclusive discounts and perks on family-related expenses.
BPI Amore Visa: Tailored for movie and dining enthusiasts, offering cashback rewards on dining and entertainment-related expenses.
BPI Amore Visa Platinum: A premium version of the Amore Visa card with enhanced benefits and higher cashback rates.
BPI Amore Cashback Mastercard: Provides cashback rewards on various spending categories, including dining, supermarkets, and other retail purchases.
BPI Amore Cashback Platinum Mastercard: A premium cashback card offering higher cashback rates, exclusive privileges, and benefits for frequent shoppers and diners.
Please note that there might be updates or new credit card products introduced by BPI after my last update in January 2022. For the most current and detailed information, I recommend visiting the official BPI website or contacting BPI directly.
"Exploring BPI Amore Cashback Credit Card: Insights from Cardholders and Their Experiences"
Positive Aspects:
Cashback Rewards: Customers appreciate the cashback benefits, especially on essential categories like groceries and dining. Earning cashback on everyday expenses is a significant advantage.
Low Foreign Exchange Fees: The low forex conversion rate of 1.85% is appreciated by travelers and individuals who make international transactions.
Access to Ayala Malls Lounges: Unlimited access to Ayala Mall’s customer and family lounges provides a comfortable and exclusive experience for cardholders.
Flexible Installment Plans: The option for up to 36 months installment terms on purchases gives cardholders flexibility in managing their payments.
Areas for Improvement:
Annual Fees: Some users might find the annual fees, especially for the Platinum variant, to be relatively high, considering the cashback cap. They might expect more benefits to justify the cost.
Minimum Spend Requirement: The minimum spend requirement of ₱1,000 for cashback eligibility can be a drawback for individuals who make smaller transactions.
Cashback Cap: Customers often express frustration about the cashback cap, feeling limited in their ability to earn rewards, especially if they are big spenders.
Limited Acceptance: While widely accepted, there might be occasional issues with acceptance at certain merchants or online platforms.
Remember that individual experiences can vary widely, and it’s essential to consider your spending habits and requirements before choosing a credit card. Reading customer reviews and comparing different credit card options can help you make an informed decision based on your specific needs.
BPI Contact Information: Reach Out to Us for Your Banking Needs
BPI Customer Service Hotline (Philippines):
- For domestic toll-free calls: 1-800-188-89100 (available for PLDT and Smart subscribers)
- For mobile phone and international calls: +63 2 89100-89900
BPI International Toll-Free Numbers (24/7):
- USA: 1-800-354-0476
- Canada: 1-800-1-888-564-6999
- Singapore: 800-8-59087
- Hong Kong: 800-1-862-0023
- Bahrain: 800-0-197
- Italy: 800-8-312-70
- South Korea: 008-800-8-631-8000
- Japan: 005-31-8-631800
- Saudi Arabia: 800-8-631-0000
BPI Email Support: You can also reach out to BPI via email through their official website.
BPI Official Website: For more contact details and to explore specific services, you can visit the official BPI website at www.bpi.com.ph.
Please note that contact information might have changed since my last update, so it’s advisable to check the official BPI website or contact your local BPI branch for the most current and accurate information.
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