• Min. Monthly Income


  • Interest Rate

    3.5% /month

  • Annual Fee


Feature Highlights
  • If you love shopping, this card is your ultimate shopping buddy
  • BPI credit cardholders get freebies, exclusive perks, discounts and privileges all year


  • Enjoy a maximum of ₱25,000.00 rebates per calendar year
  • Shop using your card and receive 3% rebate for every ₱1,000.00 spent at partner merchants in Ayala Malls


  • 4% rebates on restaurants for every ₱1,000.00 spend at BPI-affiliated merchants in Ayala Malls


  • 5% discount on Ayala Cinema tickets and Express Lane Access and 1% discount on bookstores, electronics and household appliances, home furnishings and improvements, leisure and sports for every ₱1,000.00 spent at partner merchants in Ayala Malls
  • Express Lane for Ayala cinema ticket purchase
  • Invitations to special events and promotions
  • Unlimited use of the customer and family lounges


  • 1% rebate on purchases from supermarkets, department & specialty retail stores and health & personal care for every ₱1,000.00 spent at partner merchants in Ayala Malls

Other Features

  • Cash Advance

    • Receive cash advance up to 30% of your credit limit and enjoy low fees of either ₱500.00 or 3.00% of the advanced amount, whichever is higher.

  • Balance Transfer

    • 12.00% per annum for a lock-in tenure of 12 months.

  • Installment Plan

    • 0% interest Installment Payment Plan at all participating merchants.

Card Information

Annual fee ₱5,000 (Annual fee is waived for the first year.)
Min. monthly income ₱83,334
Min. age for principal holder

21 and above

Min. age for supplementary holder

13 years old and above

Fee for supplementary holder ₱2,500.00
Finance charges 3.50% per month
Must have postpaid account? Yes
Identification needed Tax Identification Number (TIN) and SSS/GSIS No.
Card Replacement Fee


Sales Slip Retrieval Fee


Late payment charge

₱500.00 or 6% of past due amount, whichever is higher

Cash advance amount

30% of credit limit

Cash advance charge

3% of the cash advance amount or ₱500.00 whichever is higher.

Cash advance interest charge

Varies, total interest plus Cash Advance Fee divided by Average Outstanding Principal Balance

Cashback limit


Rewards points expiry


Product Review by iMoney Philippines

Premier Shopping Partner

BPI Ayala Malls Amore Platinum Credit Card is your perfect premier shopping partner in the Philippines. Take advantage of multiple Ayala Mall privileges such as exclusive discounts and freebies from partner merchants. Enjoy these benefits while earning rebates as you shop and receive special perks such as reserved seating, cinema ticket discounts, invites to events and promotions, as well as unlimited use of customer and family lounges.

Fees and Charges of BPI Ayala Malls Amore Platinum Credit Card

Annual membership fee is ₱5,000 for the principal cardholder, free for life for the first supplementary cardholder and ₱2,500 for the 2nd to 6th supplementary cardholder. Monthly interest rate is 3.5%, while late payment finance charge will be ₱500.00 or 6% of past due amount, whichever is higher.

Are you eligible for a BPI Ayala Malls Amore Platinum Credit Card?

You are eligible to apply if you have a monthly income of ₱84,000 and aged 21 years and above. Supplementary cardholders must have a minimum age of 13 years.

If you want to check out other options, we recommend that you take a look at Citibank Platinum Credit Card and EastWest Bank Dolce Vita Titanium Credit Card, which have similar features that you might also be interested in.

Not interested in this card? You can also browse for other BPI credit cards, which may help you find what you're looking for.