Metrobank Cashback Visa vs Bpi Amore Cashback — Philippines (2026)
Side-by-side comparison of Metrobank Cashback Visa and Bpi Amore Cashback 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 · Metrobank Cashback Visa
Net / yr
₱3,514
Annual fee
₱3,500
Return
0.8%
Comparison
Net annual value · moderate spend
Comparison winner: Metrobank Cashback Visa, ₱3,514 per year net
Metrobank Cashback Visa
Metrobank
Net / yr
₱3,514
Fee
₱3,500
Top
5% cashback
- ✓Wins this head-to-head — about ₱3,514/yr net after fees on typical spends.
- ✓Best for groceries, telecom, school & bookstore — 5% cashback, up to ~₱12,000/year (issuer estimate).
Metrobank Cashback Visa
Metrobank
Net / yr
₱3,514
Fee
₱3,500
Top
5% cashback
- ✓Wins this head-to-head — about ₱3,514/yr net after fees on typical spends.
- ✓Best for groceries, telecom, school & bookstore — 5% cashback, up to ~₱12,000/year (issuer estimate).
BPI Amore Cashback
BPI
Net / yr
₱2,579
Fee
₱2,050
Top
4% cashback
- ✓Strong runner-up at ₱2,579/yr net — roughly ₱935 behind #1 on the same spend mix.
- ✓Best for groceries (supermarket) — 4% cashback, up to ₱15,000/year rebate cap.
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 ₱2,579/yr net — roughly ₱935 behind #1 on the same spend mix.
- 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.
2BPI Amore CashbackBPI
- Strong runner-up at ₱2,579/yr net — roughly ₱935 behind #1 on the same spend mix.
- 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
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 ₱3,514/yr net after fees on typical spends.
- Best for groceries, telecom, school & bookstore — 5% cashback, up to ~₱12,000/year (issuer estimate).
- Rewards (₱7,464/yr) still beat the ₱3,500 fee on this profile.
1Metrobank Cashback VisaMetrobank
- Wins this head-to-head — about ₱3,514/yr net after fees on typical spends.
- Best for groceries, telecom, school & bookstore — 5% cashback, up to ~₱12,000/year (issuer estimate).
- Rewards (₱7,464/yr) still beat the ₱3,500 fee on this profile.
Full review →Net / yr
₱3,514
- Strong runner-up at ₱2,579/yr net — roughly ₱935 behind #1 on the same spend mix.
- 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.
2BPI Amore CashbackBPI
- Strong runner-up at ₱2,579/yr net — roughly ₱935 behind #1 on the same spend mix.
- 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
Net value snapshot
Rewards minus annual fee on your spend profile
- #1Metrobank Cashback Visa₱3,514#1Metrobank Cashback Visa₱3,514
- #2BPI Amore Cashback₱2,579#2BPI Amore Cashback₱2,579
Before you apply
Neither wins for everyone
metrobank cashback visa vs bpi amore cashback — 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
Metrobank Cashback Visa or Bpi Amore Cashback — which is better?+
Neither wins universally. Compare net annual value on your specific spends using our comparison tool. Metrobank Cashback Visa may win for one profile; Bpi Amore Cashback 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
Metrobank Cashback Visa vs BPI Amore 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
- Metrobank Cashback Visa
- BPI Amore Cashback
- Exclusions compared
- Who should pick which
- Spend scenarios
- Before you apply
At-a-glance comparison
| Factor | Metrobank Cashback Visa | BPI Amore Cashback |
|---|---|---|
| Issuer | Metrobank | BPI |
| Annual fee | ₱3,500 | ₱2,050 |
| Min income | ₱58,334/mo | ₱15,000/mo |
| Top reward | 5% cashback | 4% cashback |
| Forex markup | 2.5% | 1.85% |
| Secured option | No | No |
| Moderate NAV winner | Metrobank Cashback Visa | — |
Net annual value by spend profile
| Profile | Metrobank Cashback Visa | BPI Amore Cashback |
|---|---|---|
| Light spender net value | ₱316 | ₱362 |
| Moderate spender net value | ₱3,514 | ₱2,579 |
| Heavy spender net value | ₱9,016 | ₱6,596 |
Reward rules compared
| Rule | Metrobank Cashback Visa | BPI Amore Cashback |
|---|---|---|
| Reward rule 1 | groceries: 5% (cap ₱1,000/mo) | groceries: 4% (cap ₱1,250/mo) |
| Reward rule 2 | utilities: 5% (cap ₱1,000/mo) | utilities: 1% (cap ₱1,250/mo) |
| Reward rule 3 | all: 0.2% | all: 0.3% |
Benefits compared
Metrobank Cashback Visa
- 5% on groceries, telecom, school & bookstore if ≥₱12,000/mo outstore spend
- Else 0.20% on those categories · 0.20% other retail
- Up to ~₱12,000 annual savings (issuer marketing)
- Min annual income ₱700,000 · existing-card tenure rules apply
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%
Metrobank Cashback Visa — full breakdown
Metrobank Cashback Visa
Issuer: Metrobank · Tier: Gold · Annual fee: ₱3,500
Family essentials with outstore gate
Eligibility snapshot
- Min monthly income (salaried): ₱58,334
- Secured / FD-backed: No — standard unsecured
- Approval note: Indicative only. CIC checked by bank at application, not by CardHungry.
Reward structure
- groceries: 5% cashback — cap ₱1,000/month
- utilities: 5% cashback — cap ₱1,000/month
- all: 0.2% cashback
Headline highlight: 5% cashback on Groceries, telecom, school & bookstore (cap ~₱12,000/year (issuer estimate))
Net value estimate (moderate spend profile)
- Gross annual rewards: ₱7,464
- Annual fee: −₱3,500
- Forex markup cost (est.): −₱450 (2.5% on international spends)
- Net annual value: ₱3,514 (0.84% effective return)
Key benefits
- 5% on groceries, telecom, school & bookstore if ≥₱12,000/mo outstore spend
- Else 0.20% on those categories · 0.20% other retail
- Up to ~₱12,000 annual savings (issuer marketing)
- Min annual income ₱700,000 · existing-card tenure rules apply
Exclusions & fine print
Typically excluded or reduced: .
Best for: Families with steady non-grocery spend to unlock the 5% tier
Read full Metrobank Cashback Visa review with spend simulator →
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 →
Exclusions compared
| Typically excluded | Metrobank Cashback Visa | BPI Amore Cashback |
|---|---|---|
| Common | Dining, Fuel |
Who should pick which?
- Pick Metrobank Cashback Visa if your spend pattern aligns with its highest-rate categories and you meet income criteria.
- Pick BPI Amore 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.