• 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
  • Earn shopping rebates for every ₱1,000.00 spend at BPI-affiliated merchants in Ayala Malls


  • Invitations to special events and promotions.
  • Express Lane for Ayala cinema ticket purchase.
  • Reserved seats to mall shows on a first come, first served basis.
  • 5% discount on Ayala Cinema tickets.

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

    • Low monthly rate of 0.79%.

  • Installment Plan

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

Card Information

Annual fee ₱5,000.00
Min. monthly income ₱83,334.00
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 (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


Sales Slip Retrieval Fee


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

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

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 shopping BPI credit cards, which may help you find what you're looking for.