Definition of terms

TermDefinition
Amore Cashback Credit CardsRefers to Amore Cashback credit card and Amore Platinum Cashback credit card
Amore CashbackThe unit of cash value earned from using a qualified Amore Cashback credit card or Amore Platinum Cashback credit card
Local transactionTransactions made in either Philippine location and/or Philippine currency
International transactionForeign currency transactions that are made outside the Philippines
Online transactionA 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 categoryRefers 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
AnnualRefers 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:

YearDateAmore Cashback earned for the month Total Amore Cashback earned Amore Cashback redeemedTotal available Amore CashbackRemarks
2020October 1Php 0Php 15,000Php 0Php 15,000Principal Cardholder Reaches the Annual Amore Cashback Cap of Php 15,000
2020NovemberPhp 0Php 15,000Php 0Php 15,000Amore Cashback accumulation stops
2020December 31Php 0Php 15,000Php 0Php 15,000Amore Cashback accumulation stops
2021January 1Php 1,000Php 16,000Php 0Php 16,000Php 15,000 unredeemed Amore Cashback from 2020 is carried over to 2021. Amore Cashback accumulation resumes.
2021FebruaryPhp 500Php 16,500Php 0Php 16,500 
2021MarchPhp 2,500Php 19,000Php 0Php 19,000 
2021AprilPhp 2,500Php 21,500Php 0Php 21,500 
2021MayPhp 1, 500Php 23,000Php 0Php 23,000 
2021JunePhp 1,000Php 24,000Php 0Php 24,000 
2021JulyPhp 2,000Php 26,000Php 0Php 26,000 
2021AugustPhp 2,000Php 28,000Php 0Php 28,000 
2021SeptemberPhp 2,000Php 30,000Php 0Php 30,000Principal Cardholder Reaches the Annual Amore Cashback Cap of Php 15,000.
2021October 1Php 0Php 30,000Php 0Php 30,000Amore 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 cardTransaction detailsCashback %ComputationTotal Cashback earned
Amore CashbackPhp 500 transaction at S&R Membership Shopping in AlabangNot eligible for cashback NAPhp 0
Amore CashbackPhp 1,500 transaction at S&R Membership Shopping in Alabang4%Php 1,000 x 4%Php 40
Amore Platinum CashbackPhp 700 transaction at Rustan’s Department StoreNot eligible for cashback NAPhp 0
Amore Platinum CashbackPhp 10,500 transaction at Blackbird Restaurant in Makati4%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 earnedAmore Cashback available for redemption
Php 500Php 500
Php 700Php 500
Php 1,400Php 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 CashbackAmore Platinum Cashback
  • Unlimited access to Ayala Malls’ Customer and Family Lounges
  • Unlimited access to Ayala Malls’ Customer and Family Lounges
  • 5% discount on the Cardholder’s movie ticket at Ayala Malls Cinemas
  • Six (6) complimentary parking tickets valid at select Ayala Malls for new cardholders

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.

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