BPI Gold vs. BPI Amore: Which Credit Card Should You Choose?
/
BPI Gold vs. BPI Amore: Which Credit Card Should You Choose?
If you’re a first-time credit card user, choosing your very first card can feel overwhelming. With so many options, paano mo malalaman kung alin ang mas bagay sa’yo? Two popular choices from BPI are the BPI Gold Mastercard and the BPI Amore Cashback Card.
Both offer perks, rewards, and convenience, but they cater to different lifestyles. In this article, we’ll break down their features, benefits, and requirements so you can decide which credit card fits you best in 2025.
What Is a Credit Card and How Does It Work?
A credit card is a payment tool issued by a bank that lets you buy now and pay later. Think of it as a short-term loan with perks.
Swipe or tap – Pay in stores or online.
Settle later – Pay your bill on or before the due date.
No interest if paid in full – Interest only applies if you pay less than the full balance.
Perks – Cashback, points, travel rewards, or discounts depending on your card.
For beginners, the key is simple: use responsibly, pay on time, and enjoy the benefits.
Overview of BPI Gold vs. BPI Amore
Here’s a quick comparison before diving into the details:
Feature
BPI Gold Mastercard
BPI Amore Cashback Card
Best For
All-around use + travel perks
Everyday spending + cashback
Annual Fee
₱2,550 (waived 1st year)
₱2,050 (waived 1st year)
Rewards
1 point per ₱35 spend
Up to 4% cashback (groceries)
Extra Perks
Travel insurance, purchase protection
Cashback on groceries, utilities, drugstores
Income Requirement
Around ₱20,000 monthly
Around ₱15,000 monthly
Deep Dive: BPI Gold Mastercard
Key Benefits
All-around card – Perfect for beginners who want flexibility.
Rewards Program – Earn 1 point for every ₱35 spend, redeemable for shopping, travel, or gadgets.
Travel Perks – Comes with travel insurance coverage and worldwide acceptance.
Purchase Protection – Coverage for accidental damage or theft of eligible purchases.
Who Should Get It?
✔️ First-time users who want a general-purpose credit card. ✔️ Beginners who plan to travel locally or abroad. ✔️ People who prefer rewards points over cashback.
Deep Dive: BPI Amore Cashback Card
Key Benefits
Cashback System – Get money back on everyday spending:
4% on groceries
1% on utilities
0.3% on everything else
Affordable Annual Fee – Waived for the first year, low fee after.
Practical Choice – Great for students, fresh grads, or young professionals managing daily expenses.
Who Should Get It?
✔️ Beginners who spend a lot on groceries and bills. ✔️ Families looking to save on household expenses. ✔️ Practical cardholders who want cashback instead of points.
Which One Is Better for You?
Choose BPI Gold Mastercard if:
You want all-around use, travel perks, and rewards points.
You plan to use your card both in the Philippines and abroad.
Choose BPI Amore Cashback Card if:
Most of your spending is for groceries and bills.
You want instant savings via cashback.
You’re looking for a lower income requirement.
Requirements to Apply for a BPI Credit Card
For both cards, the requirements are similar:
At least 21 years old
Filipino resident
Minimum income: ₱180,000–₱250,000 annually (depending on card)
Valid government-issued ID
Proof of income (payslips, COE, or ITR)
How to Apply for a BPI Credit Card
Pick your card – Decide if cashback or rewards fit your lifestyle better.
Apply online or at a branch – Fill out the form and submit documents.
Wait for approval – Usually 5–7 banking days.
Activate your card – Follow SMS or hotline instructions.
Use responsibly – Always pay on time.
Common Mistakes First-Time Users Should Avoid
Paying only the minimum balance → leads to high interest.
Overspending to chase rewards → can cause debt.
Forgetting due dates → late fees + interest.
Applying for too many cards at once → lowers approval chances.
1. What’s the main difference between BPI Gold and BPI Amore? BPI Gold offers rewards and travel perks, while BPI Amore focuses on cashback for groceries and bills.
2. Which has a lower annual fee? BPI Amore (₱2,050) is cheaper than BPI Gold (₱2,550).
3. Can first-time users apply for BPI Gold? Yes, as long as you meet the income requirement. It’s a good beginner card.
4. Is cashback better than rewards points? Depends on your lifestyle: cashback is practical for daily expenses, while points are better for flexible redemptions.
5. Do both cards have waived annual fees? Yes, both waive the annual fee for the first year.
