Choosing your first credit card can feel overwhelming. With so many options, it’s easy to get confused about which card fits your lifestyle and spending habits. For new users in the Philippines, two popular choices from BPI are the BPI Edge Card and the BPI Amore Card.
Both offer rewards and perks, but they are designed for different needs. If you’re wondering which one is right for you, this side-by-side guide will help you understand their benefits, requirements, and differences in simple terms.
What Is a Credit Card? (For Beginners)
Before comparing, let’s answer the basics:
A credit card lets you borrow money from the bank to pay for purchases.
You’ll need to pay it back either in full (no interest if on time) or in installments.
It also comes with perks like cashback, rewards points, and exclusive discounts.
Think of it as a tool for convenience and rewards—but only if you manage it responsibly.
Overview of BPI Edge and BPI Amore
Here’s a quick snapshot before diving deeper:
Feature
BPI Edge Card
BPI Amore Card
Annual Fee
₱1,320 (Waived on 1st year)
₱1,500 (Waived on 1st year)
Best For
Young professionals, online & everyday spending
Frequent Ayala Malls shoppers & lifestyle perks
Rewards
1 rewards point per ₱50 spend
4% rebate on Ayala Malls, plus points
Special Perks
Low income requirement, practical for beginners
Exclusive Ayala Malls promos, discounts, freebies
Income Requirement
₱15,000/month
₱20,000/month
BPI Edge Card: Simple and Practical
Who Is It For?
The BPI Edge Card is best for those who are just starting with credit cards. It’s affordable, easy to maintain, and helps you build your credit history.
Key Benefits
Low income requirement (₱15k/month) – beginner-friendly.
1 rewards point for every ₱50 spend – good for daily expenses.
Waived annual fee on the 1st year.
Access to installment plans at 0% interest in partner stores.
Why You’ll Like It
If you’re a first-time cardholder and just want a straightforward credit card with no complicated perks, the Edge is the better choice.
BPI Amore Card: Lifestyle and Shopping Rewards
Who Is It For?
The BPI Amore Card is designed for those who love shopping and dining, especially in Ayala Malls.
Key Benefits
4% rebate on Ayala Malls purchases.
Exclusive discounts, freebies, and perks inside Ayala Malls.
Earn 1 reward point per ₱50 spend outside Ayala Malls.
Waived annual fee on the 1st year.
Why You’ll Like It
If you often shop, dine, or watch movies in Ayala Malls, this card gives you maximum lifestyle value.
Side-by-Side Comparison: Which One Fits You?
Category
BPI Edge
BPI Amore
Target Market
Beginners, budget-conscious
Mall shoppers, lifestyle-oriented
Rewards
General rewards points
Rebates + rewards points
Income Requirement
Lower (₱15,000)
Higher (₱20,000)
Best Use Case
Everyday transactions, online bills
Dining, shopping, entertainment
Fees
Cheaper annual fee
Slightly higher annual fee
Perks
Simplicity, entry-level
Exclusive Ayala Malls benefits
How to Apply for a BPI Credit Card
Applying is easy—BPI accepts applications online or at a branch. Here are the basic requirements:
Eligibility
At least 21 years old
Filipino resident with proof of income
Employed or self-employed with minimum required salary
Documents Needed
Valid government ID
Proof of income (payslip, COE, or ITR)
Proof of billing address
👉 Tip: Use the Credit Card Cost Calculator before applying. It helps you understand how much you’ll pay monthly, especially if you plan to use installment options.
Common Questions New Users Ask
1. What is the difference between a credit card and a debit card?
A debit card uses your own money, while a credit card borrows from the bank.
2. Will applying for a credit card hurt my credit score?
No, but missing payments will. Always pay on time.
3. Which card is better for first-time users?
If you want simplicity, go with BPI Edge. If you love shopping in malls, choose BPI Amore.
4. Can I upgrade my BPI Edge to an Amore later?
Yes, once you build your credit history and income, you can apply for an upgrade.
5. How much should I spend monthly on my first card?
Spend only what you can fully pay each month. Avoid carrying a balance to skip interest charges.
TL;DR – Quick Summary
BPI Edge = beginner-friendly, simple, low income requirement.
BPI Amore = lifestyle-focused, best for Ayala Malls perks.
Both have waived annual fees in the first year.
Choose based on your lifestyle: practical everyday use vs. shopping perks.
✅ If you’re new to credit cards, start small, spend wisely, and use tools like the Credit Card Cost Calculator to stay on top of your finances.
