CardHungry

Side-by-side · honest numbers

BPI Amore Cashback vs HSBC Live+ Credit Card

Honest side-by-side comparison of BPI Amore Cashback, HSBC Live+ Credit Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.

Same spend profile for all cards. How we calculate net annual value

Customize your spend

Change spend profile or swap cards — results update live below.

Spend assumptions

All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.

BPI Amore Cashback

BPI

HSBC Live+ Credit Card

HSBC

Your adjusted comparison

Feature
BPI Amore Cashback credit card

BPI Amore Cashback

BPI

HSBC Live+ Credit Card

HSBC Live+ Credit Card

HSBC

Fees & eligibility
Annual fee₱2,050₱5,000
Fee waiver thresholdNo waiver publishedNo waiver published
Min income₱15,000/mo₱33,334/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₱2,579/yr₱7,174/yr
Online shopping—₱7,000 × 5% = ₱350/mo (₱4,200/yr) · issuer max ₱1,250/mo
Groceries (offline)₱8,000 × 4% = ₱320/mo (₱3,840/yr) · issuer max ₱1,250/mo—
Dining & delivery—₱5,000 × 8% = ₱400/mo (₱4,800/yr) · issuer max ₱1,250/mo
Fuel—₱4,000 × 3% = ₱120/mo (₱1,440/yr) · issuer max ₱600/mo
Travel—₱3,000 × 5% = ₱150/mo (₱1,800/yr) · issuer max ₱1,250/mo
Utilities & bills₱3,500 × 1% = ₱35/mo (₱420/yr) · issuer max ₱1,250/mo—
Top reward rate4% cashback8% cashback
Primary reward cap₱1,250 rewards/mo cap₱1,250 rewards/mo cap
Perks & restrictions
Lounge accessAyala Malls lounge accessNone
Key exclusionsDining · FuelNot stated
Bonuses
Signup bonus——

Stack mode (hold both)

Cap-aware split: ~₱9,221/yr combined NAV (₱2,047 vs best solo). Both annual fees apply.

BPI Amore Cashback details →HSBC Live+ Credit Card details →

Share this comparison

https://cardhungry.com/ph/en/compare/bpi-amore-cashback-vs-hsbc-live-plus-ph

Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, HSBC Live+ Credit Card leads BPI Amore Cashback by about ₱4,595/yr in estimated net value.

Spend assumptions for this table

Moderate user spend profile · ₱35,000/mo

₱35,000/month total spend — typical Philippines user

Groceries ₱8,000 · Online ₱7,000 · Dining ₱5,000 · Fuel ₱4,000 · Bills ₱3,500

BPI Amore Cashback vs HSBC Live+ Credit Card comparison table
FeatureBPI Amore Cashback

BPI

HSBC Live+ Credit Card

HSBC

Fees & eligibility
Annual fee₱2,050₱5,000
Fee waiver thresholdNo waiver publishedNo waiver published
Min income₱15,000/mo₱33,334/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₱2,579/yr₱7,174/yr
Online shopping—₱7,000 × 5% = ₱350/mo (₱4,200/yr) · issuer max ₱1,250/mo
Groceries (offline)₱8,000 × 4% = ₱320/mo (₱3,840/yr) · issuer max ₱1,250/mo—
Dining & delivery—₱5,000 × 8% = ₱400/mo (₱4,800/yr) · issuer max ₱1,250/mo
Fuel—₱4,000 × 3% = ₱120/mo (₱1,440/yr) · issuer max ₱600/mo
Travel—₱3,000 × 5% = ₱150/mo (₱1,800/yr) · issuer max ₱1,250/mo
Utilities & bills₱3,500 × 1% = ₱35/mo (₱420/yr) · issuer max ₱1,250/mo—
Top reward rate4% cashback8% cashback
Primary reward cap₱1,250 rewards/mo cap₱1,250 rewards/mo cap
Perks & restrictions
Lounge accessAyala Malls lounge accessNone
Key exclusionsDining · FuelNot stated
Bonuses
Signup bonus——

Frequently asked questions

Which card has the lower annual fee?
BPI Amore Cashback has the lowest annual fee at ₱2,050.
Which card earns more on moderate spend?
HSBC Live+ Credit Card leads with an estimated ₱7,174/yr net annual value on moderate spend.
Which card has the lower income requirement?
BPI Amore Cashback lists a minimum monthly income of ₱15,000.
Does this comparison pull my credit score?
No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

More BPI Amore Cashback comparisons