BPI Amore Visa Platinum – MoneySmart Review 2019

BPI Amore Visa Platinum – MoneySmart Review 2019

Credit cards can be the ultimate shopping buddy, especially if you have the BPI Amore Visa Platinum credit card. Perfect for frequent shoppers at Ayala Malls, learn all about the perks and privileges you can enjoy with this lifestyle card from BPI.

BPI Amore Visa Platinum At A Glance
Annual Fee 5,000 PHP / year
Supplementary Annual Fee First supplementary card : Free for life

2nd to 6th supplementary card : 2,500 PHP / year

Monthly Finance Charge 3.5%
Late Payment Fee 700 PHP
Cash Advance Fee 3% of the cash advance amount or 500 PHP, whichever is higher
Foreign Currency Conversion 0.85% of the converted amount plus 1% assessment fee
Special Instalment Plan 550 PHP pre-termination fee and additional 2% on loan principal amount if pre-terminated before the first billing
Minimum Income Requirement 83,333 PHP / month
Card Association Visa

Why You Should Get the BPI Amore Visa Platinum Card

The BPI Amore Visa Platinum is what you can call a shopaholic’s credit card. The more you shop, the more perks and discounts you get!

If you want a card that offers rebates, this is a good card to have. It offers rebates of up to 25,000 PHP per year,  or rebates with every 1,000 PHP that you spend at partner merchants at any Ayala Mall in the Philippines.

As a cardholder, you also get exclusive discounts or free gifts from participating Ayala Malls merchants.

When there are special events or promotions, you can receive exclusive invitations or reserve seats to mall shows on a first come, first served basis.

Cardholders who love watching movies at Ayala Malls Cinemas can skip the queues and purchase movie tickets with 5% off using the Express Lane.

Other Features of the BPI Amore Visa Platinum

Contactless Technology

You can use this card at merchants that accept BPI Contactless Credit Cards. You can shop and tap at Robinsons Supermarket, Marketplace by Rustan’s, S&R, Healthy Options, Living Well, Mercury Drug, Ministop, National Bookstore, or Daiso Japan, just to name a few.

Balance Transfer

This feature can help you consolidate all your balances from other credit cards. Pay just one card in fixed monthly installments for up to 36 months.

Credit to Cash

You have the option to convert up to 100% of your available credit limit to cash and pay for up to 36 fixed monthly installments.

Special Installment Plan for Schools

Do you have children attending school at De La Salle University, Ateneo de Manila, Miriam College, University of Santo Tomas, San Beda College Alabang, or Far Eastern University?

You can pay for their tuition fees directly with your card at the school cashier for up to 24 monthly installments.

All you need to do is go to any BPI branch, present your BPI Amore Visa Platinum card and submit the duly accomplished BPI S.I.P. for School application form with the tuition receipt, school assessment form, or official receipt of school related expenses (books, notebooks, school uniforms, etc.).

You can claim your proceeds through your BPI deposit account or via check.

Here’s a table that illustrates the applicable rates when you charge it to your BPI Amore Visa Platinum.

3 1.50% 0.348333
6 1.50% 0.181667
9 1.50% 0.126111
12 0.75% 0.090833

And here’s a table that illustrates the applicable rates when you reimburse it.

3 0.75% 0.340833
6 0.75% 0.174167
9 0.75% 0.118611
12 0.75% 0.090833
18 0.75% 0.063056
24 0.75% 0.049167

Check the full list of accredited schools for the BPI Special Installment Plans here.

What perks or discounts can you enjoy with BPI Amore Visa Platinum?

There are many thrilling treats that you can avail with the BPI Amore Visa Platinum. Here are just some of them:

Crimson Resort & Spa, Mactan, Cebu (valid until March 31, 2020)
  • 60% off on published room rates
  • 30% off on massage services and a complimentary cake on your birthday
Crimson Resort & Spa, Boracay Island Station Zero

(valid until March 31, 2020)

  • 50% off on published rates for Deluxe and Suite Accommodations
  • Minimum of 2 nights stay
  • Rate includes breakfast for 2, round trip land and speed boat transfers
  • Black out dates apply (December 22-31, 2019; January 1-5, 2020; January 20-29, 2020)
Apulit, El Nido Resort

(valid until March 31, 2020)

  • 50% discount on your third night when you book at Apulit Island, El Nido with your BPI Amore Visa credit card
  • Offer is not available during peak period (December 22-31, 2019 / January 1-5, 2020)
  • To avail, type the promo code “Visa” when booking online
La Cabrera, Glorietta Complex, Makati (valid until September 30, 2019)
  • Complimentary bottle of red or white wine for a minimum spend of 8,000 PHP at La Cabrera
Antonio’s Restaurant, Tagaytay (valid until September 22, 2019)
  • Complimentary bottle of house wine for a minimum spend of 10,000 PHP at Antonio’s Restaurant
SaffronCafé at Crimson Resort & Spa, Mactan Cebu (valid until March 31, 2020)
  • 20% discount on your bill when you pay with your BPI Visa credit card
  • Minimum of 2 diners and maximum of 15 diners
All branches of Early Bird Breakfast Club (valid until September 30, 2019)
  • 20% discount on your bill when you spend a minimum of 1,500 PHP
  • Can be availed when you pay with your BPI Amore Visa Platinum credit card
Yes Please, The Palace Complex, Taguig (valid until September 30, 2019)
  • 20% discount on your bill
Bar One in Holiday Inn Galleria Manila QC (valid until March 31, 2020)
  • 30% discount on your bill when you spend a minimum of 2,000 PHP and a maximum of 8,000 PHP

What are the requirements for the BPI Amore Visa Platinum Card?

If you are 21 years old and above, permanently employed, and earning at least 83,350 PHP per month, you are eligible for this card.


The BPI Amore Visa Platinum is not an entry level credit card because of its high income requirement. Having said that, there’s no shortage of exciting deals and promos.

It’s great for people who want to earn rebates. However, you don’t earn reward points for your spending.

The annual fees are quite hefty, but the good thing is that your first supplementary card’s annual fee is waived for life.

It’s also a great option for parents who have children attending school because you can charge your children’s tuition and pay in installments. It can certainly be helpful when budget is tight or when there are unexpected expenses.


Interested in this card already? Which features do you like most, and which ones are giving you second thoughts? Share your thoughts in the comments section!