American Express® Cashback Credit Card

No minimum spend. No rebate cap. Just maximum cashback.

  • Welcome Offer
    Up to 10% cashback* for the first 3 months of Card issuance:

    Earn 9% bonus cashback on local purchases and 8% bonus cashback on overseas purchases.
     

  • Everyday Cashback
  • Earn 1% cashback on local purchases and 2% cashback on overseas purchases.
  • No minimum spend. No rebate cap.

    *Up to a maximum of P2,500 worth of bonus cashback.
    *Applicable to Cardmembers with Cards issued starting September 1, 2022. Cardmembers with Cards issued prior to September 1, 2022 will earn 5% cashback under the Welcome Offer Program.

    Terms and Conditions apply for the 1%, 2% and 10% cashback.

  • Travel with Confidence
    Get 24/7 access to Global Travel Assistance in case of medical or legal emergencies during your trip.
     
  • Comprehensive Travel Accident and Inconvenience Protection Insurance*
    • Travel Accident Insurance Protection of up to PHP10,000,000
    • Delayed Flight Departure – PHP5,000; max of PHP10,000 per family
    • Flight Cancellation – up to PHP200,000
    • Missed Connection – PHP5,000; max of PHP10,000 per family
    • Luggage Delay – PHP5,000; max of PHP10,000 per family
    • Luggage Loss – Max of PHP80,000 per family

      Purchase Protection*
      Your retail purchases are insured from theft, loss or damage within 30days from purchase for up to PHP50,000 per occurrence or max of PHP250,000 per year. To learn more about your Card’s insurance coverage, call (02) 8631-8000.

      *Applicable only when you charge your airline ticket to your American Express Cashback Credit Card.

      Coverage is underwritten by the Pacific Cross and is subject to their terms and conditions. Click here for the Travel Insurance Coverage and Provisions. To request for a claim form, call  (02) 8631-8000.
       

  • Cash Advance
    Get cash up to 30% of your credit limit via select BDO branches nationwide or any BDO affiliated ATMs. For overseas cash advance availment, just look for ATMs bearing the American Express logo.

    Please check the Terms and Conditions for more details.
    Click here to view the Table of Fees and Charges and Sample Finance Charge Computation.

Exceptional Service and Support
24/7 Customer Service Hotline anytime, anywhere.
 
Welcome Offer
Up to 10% cashback* for the first 3 months of Card issuance:
Earn 9% bonus cashback on local purchases and 8% bonus cashback on overseas purchases.
 
Everyday Cashback
Earn 1% cashback on local purchases and 2% cashback on overseas purchases.
No minimum spend. No rebate cap.
 
 
*Up to a maximum of P2,500 worth of bonus cashback.
*Applicable to Cardmembers with Cards issued starting September 1, 2022. Cardmembers with Cards issued prior to September 1, 2022 will earn 5% cashback under the Welcome Offer Program.
 
Terms and Conditions apply for the 1%, 2% and 10% cashback
 
Earning and Redeeming Cashback
Reward yourself with cashback on your everyday purchase. Every local or overseas purchase on your American Express Cashback Credit Card earns you 1% or 2% cashback that will be credited to the Basic Cardmember's account and reflected in the Statement of Account (SOA).
 
Cashback reflected in the SOA are computed based on posted transactions within the monthly cut-off date two (2) days prior to your statement cycle. Unposted cashback earned after the cut-off date will be reflected in your succeeding SOA.
 
For additional details, refer to the terms and conditions on earning and redeeming under the Cashback Program.
 
Installment Programs
  • Buy Now, Pay Later
    Major spending on gadgets, appliances, furniture, watches, jewelry or apparel is now made worry-free with Buy Now, Pay Later! Purchase items or pay for services on installment from over 19,000 in-store and online partner stores nationwide. You may also opt to pay medical bills and school tuition on installment. Choose from 3, 6, 9, 12, 18, 24 and 36 months term for a minimum single-receipt purchase of P3,000*.

    Buy Now, Pay Later Program is available on:

    • Zero Percent (0%) Interest**
    • Easy and affordable monthly add-on rates

      Plus, take advantage of Buy Now, Pay Later with Payment Holiday promotional offer and pay your first monthly amortization up to 4 months later and other exclusive offers.

      Click here for more details.
      *Minimum purchase amount may vary per partner merchant
      ** Merchants have the sole discretion on the item(s)/term(s) applicable for the Zero Percent (0%) interest offering
       

  • Balance Transfer
    Transfer your other card balances to your BDO-issued American Express Card and pay it on installment with low monthly add-on rates. Apply online via www.bdo.com.ph/balance-transfer.
     
  • Cash-It-Easy
    Convert your credit limit into cash and pay in easy installments up to 36 months. To avail, call (02) 8667-1680, 8:30am-4:30pm on banking days or visit a BDO branch near you
     
  • Purchase Convert
    You can convert recent single-receipt purchases of at least P5,000 to installment using your BDO-issued American Express Card. To avail, call (02) 8631-8000.
     

BDO Credit Cards, ready to shop online!

BDO Credit Cards make online shopping secure, lighter and more enjoyable:

  • Secure and rewarding online shopping via BDO American Express® Virtual Card
    The Virtual Card is a companion card designed exclusively for online purchases. It is linked to your Basic Credit Card and has a different card number to protect your account information when you shop online. Plus, you can set up a separate spend limit for your online transactions and earn the same spend-to-point value as your Basic Credit Card. Click here to apply.
  • Lighter via Online Installment
    EasyPay Convert any online transaction into monthly installment by calling the BDO Customer Contact Center or applying online via www.bdo.com.ph/EPConvert; further, enjoy scheduled Absolutely 0% Interest and Buy Now, Pay Later installment schemes at selected websites.
  • More enjoyable via Exclusive Online Deals
    Enjoy discounts, exclusive deals and freebies when you use your Card at partner websites.

Bills Payment

  • Charge on Demand
    Don’t worry about your bills when going out of town or vacation. Use BDO Credit Card’s Charge-On-Demand. This facility lets you charge your utility bills on a per need basis. Simply log on to www.bdo.com.ph or call 8631-8000.
     
  • Auto Charge
    Hate lining up to pay bills? Too many due dates to remember? Pay your bills the fast and convenient way with BDO’s Auto-Charge. This facility allows you to enroll multiple utility bills to your BDO Credit Card so you only have one due date to remember. To learn more about this facility, click here.

Payment Channels

  • BDO Branch Counters – cash or check payments are accepted at any branch
  • BDO Online Banking* – transact anytime, anywhere in the world, through www.bdo.com.ph
  • BDO Phone Banking* - access your BDO account to pay for your Card using any touch-tone phone. Just call 8631-8000.
  • SM Bills Payment Counters – pay for your Card through SM Bills Payment.
    *Enrollment of your BDO account is required to avail of this payment facility.

Worldwide Acceptance
American Express Cards issued by BDO are accepted worldwide wherever American Express is recognized.
 

 
The minimum requirements in order to be approved for the American Express®  Cashback Credit Card are:
You must be aged 21-70 years old.
You must have a minimum income of Php420,000 per annum.
You must be a Philippine Resident or Filipino Citizen.
You must have at least one landline phone.
 
Documents Required
A.  Applicants with Existing Credit Cards
Photocopy of the following:
  1. Credit card charge slip (not more than 30 days old from transaction date) or latest credit card statement of account
  2. Front of existing credit card
  3. Front and back of valid ID with signature and photo, issued and signed by an official authority: Passport, Driver's License, Professional Regulations Commission (PRC) ID, National Bureau of Investigation (NBI) Clearance, Police Clearance, Postal ID, Voter's ID, Barangay Certification, Government Service Insurance System (GSIS) E-Card, Social Security System (SSS) Card, TIN ID, Alien Certification of Registration or Immigrant Certificate of Registration, Government Office (e.g. Armed Forces of the Philippines (AFP), Home Development Mutual Fund (HDMF)) IDs and other valid IDs issued by the Government and its instrumentalities
  4. Photocopy of your latest BIR Form 2316 signed by employer's authorized representative (for employed) or photocopy of latest ITR and W4 with BIR stamp (for self employed)
B.  Applicants Without Existing Credit Card:
  1. Proof of Income
    1. For Employed (Required): Photocopy of latest BIR Form 2316 signed by employer's authorized representative AND one of the following:
      • Original copy of Certificate of Employment and Income (COEI) indicating status, length of service, and compensation breakdown
      • Photocopy of latest full month payslip
    2. For Self-Employed (Required):
      • Photocopy of Registration of Business Name
        • For Single Proprietorship issued by DTI
        • For Partnership/Corporation issued by SEC
      • Photocopy of latest ITR and W4 with BIR/Bank Stamp
        • Audited Financial Statements for the last 2 years; OR
        • Bank Statements for the last 3 months
  2. Proof of Identification
    (Please refer to list of government issued IDs in item no. 3, under A. For Applicants with Existing Credit Card/s)
For Foreigners
  1. Copy of Employment Contract or Certificate of Employment
  2. Letter from Embassy (if Embassy Official)
  3. Submit photocopy of ANY ONE of the following:
    • Valid Passport with Resident Visa
    • Work Permit and Valid Visa
    • Special Investor's Resident Visa and Visa's Philippine Economic Zone
    • Authority or Visa with EO226
    • ACR or ICR or ACR-1

 

  • Basic Membership Fee (First Year is FREE)
    P250/month
  • Supplementary Membership Fee (First Year is FREE)
    P125/month
  • Finance Charge
    2%
  • Terms and conditions apply