• Min. Monthly Income


  • Interest Rate

    3.5% /month

  • Annual Fee


Feature Highlights
  • A girl's best friend when it comes to shopping.
  • Enjoy exclusive discounts, deals, and privileges available only to BPI credit cardholders


  • 5% discount on Ayala Cinema tickets and Express Lane Access
  • 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
  • Reserved seats to mall shows on a first come, first served basis.
  • Invitations to special events and promotions
  • Unlimited use of the customer and family lounges


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


  • Shop using your card and receive 3% rebate for every ₱1,000.00 spent at partner merchants in Ayala Malls
  • Enjoy a maximum of ₱15,000.00 rebates per calendar year.


  • 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

  • Rebates

    • Make sure that you use your credit card with a BPI POS Terminal to get instant rebates.

  • Cash Advance

    • 30% of the credit limit and fees are either ₱500.00 or 3.00% of the outstanding amount, whichever is higher.

  • Balance Transfer

    • Low monthly rate of 0.79%.

  • Installment Plan

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

Card Information

Annual fee ₱2,050.00 (Annual fee is waived for the first year.)
Min. monthly income ₱15,000.00
Min. age for principal holder

21 and above

Min. age for supplementary holder

13 years old and above

Fee for supplementary holder ₱1,025.00 (Free for 1st supplementary)
Finance charges 3.50% per month
Must have postpaid account? Yes
Identification needed Tax Identification Number (TIN) and SSS/GSIS No.
Card Replacement Fee

₱400.00 per card

Sales Slip Retrieval Fee

₱300.00 per request

Late payment charge

₱700.00 or equivalent to the value of the unpaid minimum amount due, whichever is lower

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

Your Essential Shopping Buddy

With BPI Ayala Malls Amore Credit Card, shopping has never been this rewarding. Earn rebates while you shop, dine, and have a good time at Ayala Malls and partner establishments across the Philippines. Receive up to 4% in rebates, 5% discount on cinema tickets, as well as exclusive perks and benefits such as discounts, freebies, special seats and invites to events and promotions all year.

Fees and Charges of BPI Ayala Malls Amore Credit Card

Annual membership fee for the principal cardholder is ₱2,050, free for life for the first supplementary cardholder. ₱1,025 for the 2nd to 6th supplementary cardholder. Finance charge is 3.5% monthly interest rate and ₱700.00 or equivalent to the value of the unpaid minimum amount due, whichever is lower for late payment charge.

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

To become a primary cardholder, you must be 21 years and above and have a minimum monthly income of ₱15,000. For the supplementary cardholder, he/she should be at least 13 years of age.

Here are some other credit card options available to you: BPI Ayala Malls Amore Platinum Credit Card and Metrobank Femme Signature Visa Credit Card. These cards have similar features that might interest you as well.

You can also browse for more no annual fee BPI credit cards if you have other features in mind.