Definition of terms
| Term | Definition |
|---|---|
| Amore Cashback Credit Cards | Refers to Amore Cashback credit card and Amore Platinum Cashback credit card |
| Amore Cashback | The unit of cash value earned from using a qualified Amore Cashback credit card or Amore Platinum Cashback credit card |
| Local transaction | Transactions made in either Philippine location and/or Philippine currency |
| International transaction | Foreign currency transactions that are made outside the Philippines |
| Online transaction | A payment transaction where the Cardholder does not need to physically present the card at the time of the transaction. Includes purchases or orders via online or the internet |
| S.I.P. | Refers to Special Installment Plan |
| Merchant category | Refers to the classification of merchants and businesses in accordance with the type of goods or services they provide, as determined by their acquiring banks in accordance with the requirements prescribed by Visa |
| Annual | Refers to a period occurring from January to December |
General Policies
1. The Supplemental Terms and Conditions for BPI Amore Cashback Program and Other Privileges form an integral part of and must be read together with the Terms and Conditions Governing the Issuance and Use of BPI Credit Cards as the same may be amended by the Bank from time to time.
2. The benefits and privileges described below may be amended by the Bank at any time.
Eligibility and Participation
1. Cardholders of Amore Cashback credit card and Amore Platinum Cashback credit card (“Amore Cashback Credit Cards”) whose accounts are active and in good credit standing as determined by BPI in its sole discretion are entitled to earn Amore Cashback from qualified spend (the “Amore Cashback Program" or "Program”).
2. Any transaction made using Amore Cashback Credit Cards are not entitled to earn rewards points under the Real Thrills Rewards Program.
3. BPI reserves the right to suspend or disqualify any Cardholder from further participation in Amore Cashback Program, if in its sole determination, such Cardholder has violated these Terms and Conditions or the Terms and Conditions Governing the Issuance and Use of BPI Credit Cards. Suspension or disqualification may result in the cancellation of the Cardholder's right of participation and/or the forfeiture of all Amore Cashback earned.
Accumulation of Amore Cashback
1. Amore Cashback earned by the Principal and/or Supplementary Cardholder will be consolidated into the Principal Cardholder's Amore Cashback pool.
2. The total Amore Cashback earned by the Cardholder that are available for redemption shall be reflected in the Principal Cardholder’s Statement of Account as “Total Amore Cashback Available”.
3. The Cardholder must notify BPI immediately for any error on the Total Amore Cashback Available or Amore Cashback Redeemed as reflected in the monthly Statement of Account. If no error is reported within thirty (30) calendar days from the statement date indicated in the SOA, the SOA shall be considered correct and binding upon the Cardholder and Supplementary.
4. Cardholders of Amore Cashback Credit Cards are entitled to earn Amore Cashback, subject to the following conditions:
a. For Amore Cashback Credit Card
• The transaction was made using a qualified Amore Cashback Credit Card, and is posted in the Principal Cardholder’s Statement of Account
• The transaction may be completed as local (“Local Transaction”), or online (“Online Transaction”)
• The transaction may be availed either as Retail, or via the Special Installment Plan (“SIP”) of Merchant.
• Each transaction spend amount is at least Php 1,000.
• The transaction is classified under any of the following merchant categories (“Merchant Categories”):
| Cashback % | Merchant category code |
|---|---|
| 1% | 5912 – Drug stores 4900 – Utilities |
| 4% | 5411 – Grocery stores |
| 0.30% | Other categories |
b. For Amore Platinum Cashback Credit Card
• The transaction was made using a qualified Amore Platinum Cashback credit card, and is posted in the Principal Cardholder’s Statement of Account
• The transaction may be completed as local (“Local Transaction”), international (“International Transaction”), or online (“Online Transaction”).
• The transaction may be availed either as Retail, or via the Special Installment Plan (“S.I.P.”) of Merchant.
• Each transaction spend amount is at least Php 1,000.
• The transaction is classified under any of the following merchant categories (“Merchant Categories”):
| Cashback % | Merchant category code |
|---|---|
| 1% | 5411 - Grocery Stores |
| 5311 - Department Stores | |
| 5732 - Electronic Sales | |
| 4812 - Telecom equipment | |
| 5722 - Household Appliance Stores | |
| 5712 - Home Furnitures, Equipment & Furnishings | |
| 5713 - Floor Covering Store (carpets, tiles, wood, etc) | |
| 5631 - Women's Accessory & Specialty Stores | |
| 5661 - Shoe stores | |
| 5944 - Jewelry, Watch & Silverware Store | |
| 5948 - Leather Goods & Luggage Store | |
| 5699 - Misc. Accessory & Apparel Stores | |
| 5611 - Men's & Boys' Clothing & Accessories | |
| 5621 - Women's RTW | |
| 5641 – Children’s & Infants’ Wear Stores | |
| 5651 – Family Clothing Stores | |
| 5655 – Sports/Riding Apparel | |
| 5691 - Men's & Women's Clothing Stores | |
| 5697 - Couturier/Tailors | |
| 7278 - Buying/Shopping Clubs, Services | |
| 5310 - Discount Stores | |
| 5331 - Variety Stores | |
| 5399 - Misc. Gen. Mdse stores | |
| 5964 - Direct Mktg – Catalog Merchants | |
| 5977 – Cosmetic Store | |
| 5999 – Misc. & Specialty Retail Stores | |
| 4% | 5812 - Restaurants |
| 5813 - Bars, Cocktail lounges, Disco, Nightclub | |
| 5814 - Quick Payment Svc – Fast Food Resto | |
| 5499 – Miscellaneous Food Store – Convenience Store | |
| 5811 – Caterer | |
| 0.30% | Other categories |
c. Amore Cashback earned are subject to an annual (“Annual”) cashback cap of Php 15,000 per Principal Cardholder. If the Principal Cardholder reaches the cashback cap of Php 15,000 at any given time within January to December, Amore Cashback accumulation will stop until December 31 of the same year. Amore Cashback accumulation will resume in January 1 of the following year. To illustrate:
| Year | Date | Amore Cashback earned for the month | Total Amore Cashback earned | Amore Cashback redeemed | Total available Amore Cashback | Remarks |
|---|---|---|---|---|---|---|
| 2020 | October 1 | Php 0 | Php 15,000 | Php 0 | Php 15,000 | Principal Cardholder Reaches the Annual Amore Cashback Cap of Php 15,000 |
| 2020 | November | Php 0 | Php 15,000 | Php 0 | Php 15,000 | Amore Cashback accumulation stops |
| 2020 | December 31 | Php 0 | Php 15,000 | Php 0 | Php 15,000 | Amore Cashback accumulation stops |
| 2021 | January 1 | Php 1,000 | Php 16,000 | Php 0 | Php 16,000 | Php 15,000 unredeemed Amore Cashback from 2020 is carried over to 2021. Amore Cashback accumulation resumes. |
| 2021 | February | Php 500 | Php 16,500 | Php 0 | Php 16,500 | |
| 2021 | March | Php 2,500 | Php 19,000 | Php 0 | Php 19,000 | |
| 2021 | April | Php 2,500 | Php 21,500 | Php 0 | Php 21,500 | |
| 2021 | May | Php 1, 500 | Php 23,000 | Php 0 | Php 23,000 | |
| 2021 | June | Php 1,000 | Php 24,000 | Php 0 | Php 24,000 | |
| 2021 | July | Php 2,000 | Php 26,000 | Php 0 | Php 26,000 | |
| 2021 | August | Php 2,000 | Php 28,000 | Php 0 | Php 28,000 | |
| 2021 | September | Php 2,000 | Php 30,000 | Php 0 | Php 30,000 | Principal Cardholder Reaches the Annual Amore Cashback Cap of Php 15,000. |
| 2021 | October 1 | Php 0 | Php 30,000 | Php 0 | Php 30,000 | Amore Cashback accumulation stops |
d. In determining the qualification of a transaction or Amore Cashback % to be applied to a particular transaction, BPI shall be bound by and shall not be responsible for the Merchant Category classification made by the acquiring bank in accordance with the requirements prescribed by Visa.
e. In case of any inconsistency between the Merchant Category above and the Merchant Category Code used by the acquiring bank, the latter shall prevail.
f. The following types of transactions are not eligible to earn Amore Cashback:
• Cash advance
• SIP Loans such as: Balance Transfer, Credit to Cash, and Balance Conversion
• Transactions from these businesses: casino/gambling, money transfers, quasi cash financial institution, political organizations and bail and bond payment.
• Annual fees, finance or interest charges on both regular and cash advance transactions, late payment charges, disputed transactions, credit transaction adjustments, and all fees related to card replacement and cash advance
g. Amore Cashback may be earned from other activities deemed appropriate and will be announced from time to time through electronic direct mailers, SMS advisories, flyers, Statements of Account, or such other means as BPI may consider appropriate and effective.
5. Amore Cashback are computed based on increments of Php 1,000. To illustrate:
| Eligible card | Transaction details | Cashback % | Computation | Total Cashback earned |
|---|---|---|---|---|
| Amore Cashback | Php 500 transaction at S&R Membership Shopping in Alabang | Not eligible for cashback | NA | Php 0 |
| Amore Cashback | Php 1,500 transaction at S&R Membership Shopping in Alabang | 4% | Php 1,000 x 4% | Php 40 |
| Amore Platinum Cashback | Php 700 transaction at Rustan’s Department Store | Not eligible for cashback | NA | Php 0 |
| Amore Platinum Cashback | Php 10,500 transaction at Blackbird Restaurant in Makati | 4% | Php 10,000 x 4% | Php 400 |
6. Amore Cashback earned cannot be transferred to any other person.
7. Amore Cashback accumulation will be stopped for blocked accounts due to lost cards from the date of report of loss. Transactions made with the replacement card will resume Amore Cashback accumulation.
8. Fraudulent earning or redemption of Amore Cashback may result to forfeiture of available Amore Cashback as well as cancellation of the cardholder's credit card.
Redemption of Amore Cashback
1. Only the Principal Cardholder is eligible to redeem Amore Cashback.
2. Amore Cashback is eligible for redemption only for accounts that are current and in good credit standing, (i.e. card must not be delinquent, suspended, blocked or cancelled) at the time of redemption.
3. A Cardholder with a closed account can redeem available Amore Cashback within 60 days from closure provided that the account was in good credit standing at the time of closure. Unredeemed Amore Cashback will be forfeited after 60 days from date of cancellation.
4. Once a valid redemption request has been made, it cannot be cancelled, revoked or changed.
5. Amore Cashback cannot be exchanged for other items.
6. Amore Cashback earned can be redeemed through any of the following modes:
a. Any BPI branch
b. BPI Phonebanking (+632) 889-10000
c. Email to help@bpi.com.ph (Use Subject Line: Amore Cashback Redemption)
7. A Principal Cardholder can redeem his/her earned Amore Cashback in increments of Php 500. To illustrate:
| Amore Cashback earned | Amore Cashback available for redemption |
|---|---|
| Php 500 | Php 500 |
| Php 700 | Php 500 |
| Php 1,400 | Php 1,000 |
8. Amore Cashback redeemed under the Program will be reflected in the Principal Cardholder’s Statement of Account as cash credit with description “Amore Cashback Redeemed”, within fifteen (15) working days from the date of the redemption request. Cash credit serves as payment and will be deducted from the outstanding balance of the Cardholder’s Amore Cashback Card. BPI reserves the right to adjust the Amore Cashback required to redeem without prior notice.
9. If a Principal Cardholder’s outstanding balance is lower than the redeemed Amore Cashback:
a. If the Cardholder has 1 card (Amore Cashback Card), the excess Amore Cashback redeemed will be reflected as overpayment to the Cardholder’s Amore Cashback Card.
b. If the Cardholder has 2 or more cards (Amore Cashback Card + Other BPI Credit Card/s), the excess Amore Cashback redeemed will be applied as payment on the succeeding statement cycle’s outstanding balance for the Cardholder’s other BPI Credit Card/s.
Ayala Malls Privileges
1. Cardholders of Amore Cashback Credit Cards whose accounts are active, unexpired, and in good credit standing as determined by BPI in its sole discretion are entitled to the following Ayala Malls Privileges:
| Amore Cashback | Amore Platinum Cashback |
|---|---|
|
|
2. Conditions for each Ayala Mall Privilege:
a. Unlimited access to Ayala Malls’ Customer and Family Lounges
To avail of this privilege, the Cardholder must present his/her active and unexpired Amore Cashback or Amore Platinum Cashback credit card to the receptionist upon entering the lounge.
Only the Cardholder is allowed to access the lounge.
The Cardholder may only access the lounges during mall hours.
This privilege is subject to Ayala Malls’ terms and conditions for lounge access.
b. 5% discount on the Cardholder’s movie ticket at Ayala Malls Cinemas
To avail of the discount, the Cardholder must present his/her active and unexpired Amore Platinum Cashback credit card to the cashier and mention the intent to avail of the 5% discount.
The discount is applicable only to one movie ticket per transaction.
The discount is not applicable to the following cinemas:
1.) 4DX
2.) Imax
3.) Sureseats.com
The discount cannot be used in conjunction with any other offer, special promotions, or discounts.
The discount cannot be exchanged for cash or any other item.
c. Six (6) complimentary parking tickets valid at select Ayala Malls for new cardholders.
The free parking tickets are applicable to new Amore Platinum Cashback cardholders only.
The free parking tickets will be delivered one time, together with the Cardholder’s Amore Platinum Cashback card.
The free parking tickets cannot be exchanged for cash or any other item.
The free parking tickets are subject to Ayala Malls’ terms of use.
BPI is regulated by the Bangko Sentral ng Pilipinas. https://www.bsp.gov.ph
The information contained in this document is accurate as of September 2020 and is subject to change after such date.
Tools and services
| BPI is regulated by the Bangko Sentral ng Pilipinas