American Express® Cashback Credit Card

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

  • Cashback
  • Enjoy 5% cashback** for the first 3 months of Card issuance
  • Earn 1% cashback on Local purchases and 2% Cashback on Overseas purchases*
  • No minimum spend. no rebate cap. 

*Terms and Conditions apply for the 1%, 2% and 5% cashback
**up to a maximum of P2,500 worth of bonus cashback

  • Travel with Confidence
  • Get 24/7 access to Global Travel Assistance in case of medical or legal emergencies during your trip 
  • Travel Service Offices worldwide are available to help and assist you with your travel-related inquiries and concerns. Click here to learn more about the Travel Services Offices. 
  • 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 change 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. To request for a claim form, call 8631-8000. 

  • Exclusive Discounts and Privileges
    Exceptional selection of year-round offers and up to 50% savings on shopping, dining, leisure and wellness with Live the World
  • 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 Table of Fees and Charges and Sample Finance Charge Computation.

Exceptional Service and Support
24/7 Customer Service Hotline anytime, anywhere.
Everyday Privileges
Earn 1% cashback on local purchases and 2% cashback on overseas purchases*. No minimum spend. No rebate cap. 
Plus, enjoy 5% cashback** within the first 3 months of card issuance.

*Terms and conditions apply for the 1% , 2% and 5% cashback
**up to a maximum of P2,500 worth of bonus 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 on the Statement of Account (SOA) . 

Cashback reflected on 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 on your succeeding SOA. 

For additional details, refer to the terms and conditions on earning and redeeming under the Cashback Program. 
Installment Programs 
  • EasyPay Installment 
    You can now spend for all the appliance, furniture, gadgets, jewelry or clothes you want without worry. The EasyPay installment program allows you to purchase items on installment from over 17,000 partner stores nationwide. Choose from 3, 6, 9, 12, 18, 24 and 36 monthly installment* for a minimum single purchase amount of P3,000**. 

Avail EasyPay Installment through any of the following:

  • Absolutely 0% interest*
  • Easy and affordable monthly add-on interest rates

Plus, take advantage of special extended installment terms when you Buy Now Pay Later and catch exclusive discounts and latest offers during special promo dates. 

*Merchants have sole discretion on the terms/items applicable for the Absolutely 0% Interest
**Minimum installment purchase amount may vary per partner merchants

Secure and rewarding online shopping via BDO American Express® Virtual Card
The Virtual Card is a Basic Credit Card designed exclusively for online purchases. It is linked to your active 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.

Payment Convenience
Paying for your American Express Cashback Credit Card is easy. There are various payment options at numerous locations that you can choose from.
Payment Channels 
  • BDO Branch Counters – cash or check payments are accepted at any branch
  • BDO Online Banking* - transact anytime, anywhere in the world, through
  • 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 the 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)
  • Supplementary Membership Fee (First Year is FREE for the first Supplementary Card)
  • Finance Charge