Best BDO and BPI Credit Cards for Shopaholics

by Venus Zoleta, on category "Credit Card"

November 20, 2017


BDO BPI Credit Cards for Shopping | MoneyMax.ph

Will you use a credit card mostly for shopping? You'll enjoy more benefits out of your purchases with shopping credit cards that offer exclusive promos, rebates, discounts, freebies, and other perks from particular malls and stores in the Philippines. Before you start your credit card application, compare your options carefully. Choose the card with the most appealing rewards for you on the store or mall where you shop most often. If you're deciding between BPI and BDO as your credit card provider, here are the best shopping credit cards to compare:

Best BDO Credit Cards for Shopping

BDO offers three types of credit cards for frequent shoppers. The BDO ShopMore MasterCard caters to loyal customers of SM malls. BDO also has tie-ups with clothing retail brands like Forever 21 and Bench to provide exclusive perks to consumers who love fashion. Accumulated rewards points can be used to redeem shopping, dining, and travel gift certificates and vouchers, as well as annual fee waivers.

BDO ShopMore MasterCard

Annual fee: P1,500 (Php 125 per month; free for the first year) Interest rate: 3.50% Minimum annual income requirement: P180,000 Shopping perks:
  • Comes with a free SM Advantage Card that can be used to earn one rewards point for every P200 spent in SM Stores, SM retail partners, and SM external partners
  • Additional 0.5 rewards points on top of regular points earned in your SM Advantage Card
  • 5% rebate for a minimum purchase of P5,000 during SM's 3-Day Sale, plus a 10% discount for shoppers during the first two hours of the sale's first day
  • Rebates and freebies from partner retail brands
Other features: The EasyPay Installment program offers 0% interest on a minimum single purchase amount (which varies per partner merchant) that can be paid on 3, 6, 9, 12, 18, 24, or 36 monthly installments.

BDO Forever 21 MasterCard

Annual fee: P2,400 (P200 monthly; free for the first year) Interest rate: 3.25% Minimum annual income requirement: P180,000 Shopping perks:
  • Three rewards points for every P200 purchase in Forever 21 stores in the Philippines; one point for every P200 spent in all other local and international stores
  • 21x bonus points for a minimum P2,100 purchase in Forever 21 SM 3-Day Sale
  • 21% discount for a P2,000 minimum purchase at Forever 21 stores during your birth month
  • 21% rebate every 21st of the month and 10% rebate on all other days for a minimum purchase of P3,000 at Forever 21
  • Discounts and gifts with purchase during sales and store openings
  • Early pass shopping privilege that allows you to be among the first customers to enter the store during sales
  • Priority lanes for cardholders in cashier counters and fitting rooms
Other features: The EasyPay Installment program offers 0% interest on a minimum single purchase amount (which varies per partner merchant) that can be paid on 3, 6, 9, 12, 18, 24, or 36 monthly installments.

BDO Bench MasterCard

Annual fee: P2,400 (P200 monthly; free for the first year) Interest rate: 3.25% Minimum annual income requirement: P180,000 Shopping perks:
  • Two rewards points for every P200 purchase in Bench and partner brand stores nationwide
  • One rewards point for every P200 purchase in all other stores
  • 20% discount every Monday for a minimum single purchase (P1,500, P2,000, P4,000, or P10,000, depending on the store) in any Bench or partner brand store in the Philippines
  • 20% discount during your birth month for a minimum purchase of P1,500 in participating Bench and partner brand stores
  • 10% discount for a minimum purchase of P1,500 at Bench and Free State online stores
  • Exclusive discounts and freebies during promos at Bench and partner brand stores
Other features:
  • 0% 3 or 6-month installment option for a minimum purchase of P3,000 in any Bench or partner brand store
  • The EasyPay Installment program offers 0% interest on a minimum single purchase amount (which varies per partner merchant) that can be paid on 3, 6, 9, 12, 18, 24, or 36 monthly installments.

Best BPI Credit Cards for Shopping

BPI has two credit cards with unique privileges for people who often shop in Ayala Malls: the BPI Amore Visa and BPI Amore Platinum Visa cards. Amore Visa is a regular card, while the Amore Platinum is a premium card. These cards offer the same benefits, except that the Amore Platinum card has higher maximum annual rebates than the regular Amore card.

BPI Ayala Malls Amore Visa

Annual fee: P2,050 Interest rate: 3.50% Minimum annual income requirement: P180,000 Shopping perks:
  • Rebates (1%, 3%, or 4% depending on merchant category) for every P1,000 purchase at BPI partner-merchants in Ayala Malls; maximum of P15,000 rebates per year
  • 5% discount on movie tickets in Ayala Malls
  • Exclusive freebies and discounts in participating merchants in Ayala Malls
Other features:
  • Unlimited use of the customer and family lounges
  • Express Lane for Ayala cinema ticket purchase
  • Reserved seats to mall shows on a first come, first served basis

BPI Ayala Malls Amore Platinum Visa

Annual fee: P5,000 Interest rate: 3.50% Minimum annual income requirement: P1 million Shopping perks:
  • Rebates for every P1,000 purchase at BPI partner-merchants in Ayala Malls; maximum of P25,000 rebates per year
  • 5% discount on movie tickets in Ayala Malls
  • Exclusive freebies and discounts in participating merchants in Ayala Malls
Other features:
  • Unlimited use of the customer and family lounges
  • Express Lane for Ayala cinema ticket purchase
  • Reserved seats to mall shows on a first come, first served basis

Final Thoughts

There is no single best credit card for all types of shoppers in the Philippines. The best shopping credit card for you is one that gives rewards for purchases at a mall or store where you usually visit.   shopping credit card application