American Express® Credit Card

The Key to your City Life

Membership Rewards^®
- Earn 1 Membership Rewards^® point for every PHP 45 spend. Use your points to redeem from a wide array of exquisite rewards from shopping gift certificates, home appliances, gadgets and more.
- You can choose to enroll in the Frequent Traveler Option which lets you convert your Membership Rewards^® points into air miles with any of the Frequent Flyer Program partners or hotel loyalty points for complimentary stays with any of the Frequent Guest Program partners.

Click here to learn more about the Membership Rewards^® Program and to view the Incentivo Catalogue.

Travel with Confidence
Get 24/7 access to Global Travel Assistance in case of medical or legal emergencies during your trip.
Exclusive Discounts and Privileges
Exceptional selection of year-round offers and up to 50% savings in 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.

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
Other EasyPay Installment Options
- Balance Transfer
  Transfer your other credit card balances to your American Express Credit Card and save on high interest rates.
- EasyPay Cash
  Reimburse your Official Receipts (ORs) back to cash worth at least P5,000 at affordable installment plans.
- EasyPay Convert - Philippine Peso
  You can convert almost anything into installment using your American Express Credit Card. Simply call (02) 8631-8000 or apply online via www.bdo.com.ph/EPConvert and convert any of your PHP purchases of at least Php 3,000.
- EasyPay Convert - United States Dollar
  Convert any of your USD single-receipt purchases worth at least USD 200 into installment using your American Express Credit Card. Simply call (02) 8631-8000 or apply online via www.bdo.com.ph/EPConvert.
  Note: Cash Advance, any transaction associated with Gambling, any Money Transfer or similar cash transaction, and any other BDO installment transactions like Absolutely 0% Interest, EasyPay Regular Installment, etc. are not qualified for EasyPay Convert.

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 American Express Credit Card so you only have one due date to remember. To learn more about this facility, click here.

American Express Customer Service

You only need to call 8631-8000 for your customer service needs.

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.
*Enrolment 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® Credit Card are:

You must be aged 21-70 years old.
You must have a minimum income of Php480,000 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:

Credit card charge slip (not more than 30 days old from transaction date) or latest credit card statement of account
Front of existing credit card
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
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

Proof of Income

a. 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

b. 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

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

Copy of Employment Contract or Certificate of Employment
Letter from Embassy (if Embassy Official)
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)

P150/month
Supplementary Membership Fee (First Year is FREE)

P75/month
Finance Charge

2%
Terms and conditions apply.

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American Express® Credit Card