Bpi Amore Cashback vs Bdo Cashback Amex — Philippines (2026)
Side-by-side comparison of Bpi Amore Cashback and Bdo Cashback Amex for Philippines users. Fees, rewards, and who each card suits best. Winner ranked by net value on a moderate spend profile — fees and caps included. Winner ranked by net value on a moderate spend profile — fees and caps included.
Updated 30 July 2026·2 cards · 3 min scan·CardHungry
Top pick · BPI Amore Cashback
Net / yr
₱2,579
Annual fee
₱2,050
Return
0.6%
Comparison
Net annual value · moderate spend
Comparison winner: BPI Amore Cashback, ₱2,579 per year net
BPI Amore Cashback
BPI
Net / yr
₱2,579
Fee
₱2,050
Top
4% cashback
- ✓Wins this head-to-head — about ₱2,579/yr net after fees on typical spends.
- ✓Best for groceries (supermarket) — 4% cashback, up to ₱15,000/year rebate cap.
BPI Amore Cashback
BPI
Net / yr
₱2,579
Fee
₱2,050
Top
4% cashback
- ✓Wins this head-to-head — about ₱2,579/yr net after fees on typical spends.
- ✓Best for groceries (supermarket) — 4% cashback, up to ₱15,000/year rebate cap.
BDO American Express Cashback
BDO
Net / yr
₱930
Fee
₱3,000
Top
2% cashback
- ✓Strong runner-up at ₱930/yr net — roughly ₱1,649 behind #1 on the same spend mix.
- ✓Best for overseas spend — 2% cashback.
Why the other card ranks lower
Ranked by net annual value on a moderate spend profile. Each line ties to issuer T&Cs, fees, caps, and your eligibility band. How we calculate NAV
- Strong runner-up at ₱930/yr net — roughly ₱1,649 behind #1 on the same spend mix.
- Best for overseas spend — 2% cashback.
- Rewards (₱4,380/yr) still beat the ₱3,000 fee on this profile.
2BDO American Express CashbackBDO
- Strong runner-up at ₱930/yr net — roughly ₱1,649 behind #1 on the same spend mix.
- Best for overseas spend — 2% cashback.
- Rewards (₱4,380/yr) still beat the ₱3,000 fee on this profile.
Full review →Net / yr
₱930
Why each card ranks here
Ranked by net annual value on a moderate spend profile. Each line ties to issuer T&Cs, fees, caps, and your eligibility band. How we calculate NAV
- Wins this head-to-head — about ₱2,579/yr net after fees on typical spends.
- Best for groceries (supermarket) — 4% cashback, up to ₱15,000/year rebate cap.
- Rewards (₱4,962/yr) still beat the ₱2,050 fee on this profile.
1BPI Amore CashbackBPI
- Wins this head-to-head — about ₱2,579/yr net after fees on typical spends.
- Best for groceries (supermarket) — 4% cashback, up to ₱15,000/year rebate cap.
- Rewards (₱4,962/yr) still beat the ₱2,050 fee on this profile.
Full review →Net / yr
₱2,579
- Strong runner-up at ₱930/yr net — roughly ₱1,649 behind #1 on the same spend mix.
- Best for overseas spend — 2% cashback.
- Rewards (₱4,380/yr) still beat the ₱3,000 fee on this profile.
2BDO American Express CashbackBDO
- Strong runner-up at ₱930/yr net — roughly ₱1,649 behind #1 on the same spend mix.
- Best for overseas spend — 2% cashback.
- Rewards (₱4,380/yr) still beat the ₱3,000 fee on this profile.
Full review →Net / yr
₱930
Net value snapshot
Rewards minus annual fee on your spend profile
- #1BPI Amore Cashback₱2,579#1BPI Amore Cashback₱2,579
- #2BDO American Express Cashback₱930#2BDO American Express Cashback₱930
Before you apply
Neither wins for everyone
bpi amore cashback vs bdo cashback amex — the better card depends on where you spend. Use net value on your profile, not headline rates.
Check caps & exclusions
Compare monthly reward caps and excluded categories (rent, wallet, EMI) before picking a winner.
Apply to one first
Each application triggers a CIC enquiry. Choose the leader for your spends, then revisit the other later.
Frequently asked questions
Bpi Amore Cashback or Bdo Cashback Amex — which is better?+
Neither wins universally. Compare net annual value on your specific spends using our comparison tool. Bpi Amore Cashback may win for one profile; Bdo Cashback Amex for another.
Can I apply for both cards?+
Possible, but multiple applications close together hurt approval odds. Apply to the best fit first; wait 3–6 months for a second card.
Do these cards have joining fees?+
Varies by channel and variant. See each product page on CardHungry for current joining and annual fees before applying.
How often is this comparison updated?+
Reward rates and fees are re-verified against issuer T&Cs periodically. Net value figures use CardHungry's calculator with current rules.
Is there a third card I should consider?+
Often yes. Browse the catalog or compare a third card optimised for your income and spends — not just these two.
Full written guide
Methodology, tables, eligibility & fine print · ~8 min read
Full written guide
Methodology, tables, eligibility & fine print · ~8 min read
BPI Amore Cashback vs BDO American Express Cashback — which credit card is better in 2026? This in-depth comparison covers reward rules, monthly caps, exclusions, annual fees, forex costs, eligibility, and net annual value across light, moderate, and heavy spend profiles. No sponsored ranking: every number comes from CardHungry's transparent calculator.
On this page
- At-a-glance table
- Net value by spend
- Reward rules
- Benefits
- BPI Amore Cashback
- BDO American Express Cashback
- Exclusions compared
- Who should pick which
- Spend scenarios
- Before you apply
At-a-glance comparison
| Factor | BPI Amore Cashback | BDO American Express Cashback |
|---|---|---|
| Issuer | BPI | BDO |
| Annual fee | ₱2,050 | ₱3,000 |
| Min income | ₱15,000/mo | ₱35,000/mo |
| Top reward | 4% cashback | 2% cashback |
| Forex markup | 1.85% | 2.5% |
| Secured option | No | No |
| Moderate NAV winner | BPI Amore Cashback | — |
Net annual value by spend profile
| Profile | BPI Amore Cashback | BDO American Express Cashback |
|---|---|---|
| Light spender net value | ₱362 | -₱1,200 |
| Moderate spender net value | ₱2,579 | ₱930 |
| Heavy spender net value | ₱6,596 | ₱5,700 |
Reward rules compared
| Rule | BPI Amore Cashback | BDO American Express Cashback |
|---|---|---|
| Reward rule 1 | groceries: 4% (cap ₱1,250/mo) | international: 2% |
| Reward rule 2 | utilities: 1% (cap ₱1,250/mo) | all: 1% |
| Reward rule 3 | all: 0.3% | — |
Benefits compared
BPI Amore Cashback
- 4% cashback on supermarket spend (per ₱1,000 increments)
- 1% on drugstores & utilities · 0.3% other local retail
- Annual cashback cap ₱15,000 · Ayala Malls lounge access
- Forex markup 1.85%
BDO American Express Cashback
- 1% cashback on local purchases · 2% on overseas (no rebate cap)
- No minimum spend for base cashback
- First-year membership fee typically waived
- Min income ~₱420,000/year (issuer application form)
BPI Amore Cashback — full breakdown
BPI Amore Cashback
Issuer: BPI · Tier: Classic · Annual fee: ₱2,050
Supermarket cashback specialist
Eligibility snapshot
- Min monthly income (salaried): ₱15,000
- Secured / FD-backed: No — standard unsecured
- Approval note: Indicative only. CIC checked by bank at application, not by CardHungry.
Reward structure
- groceries: 4% cashback — cap ₱1,250/month
- utilities: 1% cashback — cap ₱1,250/month
- all: 0.3% cashback
Headline highlight: 4% cashback on Groceries (supermarket) (cap ₱15,000/year rebate cap)
Net value estimate (moderate spend profile)
- Gross annual rewards: ₱4,962
- Annual fee: −₱2,050
- Forex markup cost (est.): −₱333 (1.85% on international spends)
- Net annual value: ₱2,579 (0.61% effective return)
Key benefits
- 4% cashback on supermarket spend (per ₱1,000 increments)
- 1% on drugstores & utilities · 0.3% other local retail
- Annual cashback cap ₱15,000 · Ayala Malls lounge access
- Forex markup 1.85%
Exclusions & fine print
Typically excluded or reduced: Dining, Fuel.
Best for: Grocery shoppers · Ayala Malls regulars
Read full BPI Amore Cashback review with spend simulator →
BDO American Express Cashback — full breakdown
BDO American Express Cashback
Issuer: BDO · Tier: Gold · Annual fee: ₱3,000
Flat 1% local / 2% overseas
Eligibility snapshot
- Min monthly income (salaried): ₱35,000
- Secured / FD-backed: No — standard unsecured
- Approval note: Indicative only. CIC checked by bank at application, not by CardHungry.
Reward structure
- international: 2% cashback
- all: 1% cashback
Headline highlight: 2% cashback on Overseas spend
Net value estimate (moderate spend profile)
- Gross annual rewards: ₱4,380
- Annual fee: −₱3,000
- Forex markup cost (est.): −₱450 (2.5% on international spends)
- Net annual value: ₱930 (0.22% effective return)
Key benefits
- 1% cashback on local purchases · 2% on overseas (no rebate cap)
- No minimum spend for base cashback
- First-year membership fee typically waived
- Min income ~₱420,000/year (issuer application form)
Exclusions & fine print
Typically excluded or reduced: .
Best for: Frequent overseas spenders · No-cap cashback seekers
Read full BDO American Express Cashback review with spend simulator →
Exclusions compared
| Typically excluded | BPI Amore Cashback | BDO American Express Cashback |
|---|---|---|
| Common | Dining, Fuel |
Who should pick which?
- Pick BPI Amore Cashback if your spend pattern aligns with its highest-rate categories and you meet income criteria.
- Pick BDO American Express Cashback if its caps, fee structure, or partner merchants match your wallet better.
- Pick neither yet if both net values are under ₱2,000/year on your spends — a third option may win (see compare).
Spend scenario cheat sheet
- Heavy online shopper: Compare online category rates and caps first.
- Bill-pay heavy: Check utilities and telecom MCC eligibility.
- Travel / forex: Weight forex markup as heavily as reward rate.
- Fee-averse: If both NAV differences are under ₱1,000/yr, choose the free card.
Before you apply
CardHungry never pulls CIC. Use our interactive comparison or compare tool for a third alternative. One application at a time; wait 3–6 months between rejections.
Related guides
Your spends are different
These picks use the moderate profile above. Edit spends to re-rank this page, or compare cards side-by-side — no CIC pull.
CardHungry is a third-party recommendation platform, not a bank or credit bureau. Approval estimates are indicative based on public eligibility criteria. Reward calculations use issuer T&Cs and may change. We earn commission if you are approved — at no cost to you.