American Express® Cashback Credit Card

With the American Express® Cashback Credit Card you can enjoy 1% cashback on your local purchases and 2% cashback on your overseas purchases, 24/7.


Exclusive Savings and Privileges

  • American Express Selects® provides a wide range of offers exclusively for American Express Cardmembers.  Visit to view offers from around the globe in travel, dining, shopping and entertainment.

    Bring along your American Express Cashback Credit Card anywhere you go and receive exclusive benefits reserved only for you.

  • Taste from American Express Invites brings your local favourites from all over the world – specially chosen by our dining experts.  Each restaurant offers Cardmembers something extra on the house: either a discount, complimentary wine or appetizer.

    Visit to view the restaurants.

Travel with Confidence
24/7 Global Assist.  In case of an emergency while overseas, the Global Assist team will be able to offer you immediate personal advice on the phone.  They can help with referrals to an English speaking doctor, lawyer or relevant professional, depending on your needs.

American Express Travel Services Offices worldwide is available to help and assist Cardmembers with travel-related inquiries and concerns. 

Visit to locate a Travel Service near you.

*Coverage is under written by the Pacific Cross and is subject to their terms and conditions. To request for a claim form, call 8631-8000.

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 you local purchases and 2% cashback on your 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
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.

Membership Fee Waiver
Free First Year Membership Fee for the Basic and first Supplementary Cardmembers.

Easy Installment Program
Take control of your finances.  You may choose to pay purchases in fixed monthly payments in 3, 6, 9 or 12 months term at attractive interest rates. 
The minimum installment amount is Php 3,000 but may vary during special promotional campaigns.
Finance Charge
Low finance charge of 3% per month if you choose to pay only the minimum amount due or opt not to pay the full of your statement balance.
Cash Advance
You may withdraw up to 30% of your credit limit.
You can withdraw at any BDO branches or ATMs.
Overseas, just look for the American Express logo.
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.
  • BDO Branch Counters: Cash or check payments are accepted at any branch.
  • BDO eBanking: Transact anytime anywhere in the world through
  • BDO Phone Banking:  Access your BDO account and pay for your Card using any touch-tone phone.  Just call 8631-8000.
  • SM Bills Payment Centers: Pay for your Card through SM Bills Payment
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)
  • Finance Charge