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BPI vs BDO: Best Cashback Card for Dining Rewards
Comparing dining cashback offers to find the best savings
Dining Rewards Showdown
You're choosing between the BPI Amore Cashback Card and the BDO Visa Platinum Cashback. Here's what actually matters.
Rates and terms shown are representative. Your actual rate depends on your credit profile and circumstances. This is not financial advice — always read the lender's terms before applying.
BPI Amore Cashback Card
The BPI Amore Cashback Card offers a straightforward value proposition for those focused on dining rewards. While the card's overall cashback rate isn't disclosed, its annual fee of $36 makes it an appealing choice for budget-conscious diners. However, the lack of specific cashback categories could limit its appeal compared to more targeted options. If you're someone who values simplicity and reliability, this card could be worth considering.
BDO Visa Platinum Cashback
The BDO Visa Platinum Cashback card shines with up to 3% cashback on dining, a step up from the BPI option. It comes with Visa Platinum benefits, though the $70 annual fee and 24% interest rate could be a deterrent for some. If you frequently dine out and meet the income requirement, the higher cashback potential might justify the cost.
High Cashback Rates
Let's examine a card that offers more concentrated cashback benefits for dining enthusiasts.
HSBC Philippines Gold Visa Cash Back Credit Card
The HSBC Philippines Gold Visa Cash Back card stands out with a striking 5% cashback on dining, perfect for those who prioritize restaurant spending. While the lack of transparency about the ongoing annual fee is a drawback, the first-year fee waiver adds to its allure. This card is best suited for heavy diners who can maximize the benefits despite the uncertainty around fees.
If maximizing dining rewards is your goal, the HSBC card's higher cashback rate might be the winner, provided you can manage any unexpected annual fees. For a broader view on credit card savings, consider reading Cashback Card Myths: What Really Saves You Money.