American Express® Credit Card

The American Express®  Credit Card gives you access to exclusive discounts, special offers and invitations to members-only sales and offers greater financial flexibility with its low interest rate and installment payment plans.

Exclusive discounts and privileges with American Express SelectsSM

Avail of premium perks at 10,000 partner boutiques, finest restaurants and world-class spas and wellness centers in 75 countries worldwide.  Click here to learn more of the Selects Program.

Be a part of our award-winning Membership Rewards® (MR) Program

Use your points to redeem air miles, hotel loyalty points or premium rewards items. You can convert your MR points into Air miles from any of the 5 air mileage partners. Click here to learn more about the Membership Rewards Program.

Global travel assistance for medical and legal emergencies

Global Assist is available 24/7 to refer you to an English-speaking doctor or lawyer during emergencies overseas.

Please check the Terms and Conditions for more details.

Travel Service Offices worldwide

Travel service offices are available worldwide to assist you on your travel-related inquiries and concerns.  Click here to learn more about the Travel Service Offices.

Annual Membership Fee Waiver

Annual Membership Fee is automatically waived if you spend at least P120,000 during the previous year.

Installment Programs

  • Express Pay Installment
    You can now spend for all the appliance, furniture, gadgets, jewelry or clothes you want without worry.  The Express Pay Installment program allows you to purchase items on installment from over 10,000 partner stores nationwide.  Choose from 3, 6, 9, 12, 18, 24 and 36 monthly installment* for a minimum single or accumulated purchase amount of P 3,000**. 

    Avail Express Pay 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! Catch exclusive discounts and latest offers during special promo dates. 

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

  • Other Express Pay Installment Options
    • Express Transfer / Balance Transfer  
      One of the lowest interest rates! Nowhere else can you get more savings when you transfer your other credit card balances
    • Express Pay Cash / Tuition Assist  
      Pay for school expenses or reimburse your cash purchases worth at least P 5,000 at affordable installment plans
    • Express Pay Convert
      No installment scheme offered at your favorite store?  Good news!  You can convert absolutely anything into installment using your BDO Credit Card!  Simply call 631-8000 and convert any of your regular purchases* worth at least P 3,000.00.

      *Purchases / transactions from Grocery Shops, Supermarket, Gasoline Service Station and Drugstores/Pharmacy are not qualified for Express Pay Convert.

BDO Credit Cards, ready to shop online!

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

  • Lighter via Online Installment
    Express Convert any online transaction into monthly installment by calling the BDO Customer Contact Center; further, enjoy scheduled Absolutely 0% and Buy Now, Pay Later installment schemes at selected websites within the year.
  • More  enjoyable via Exclusive Online Deals and OnlineTreats
    Enjoy discounts, exclusive deals and freebies when you use your BDO Credit Card at partner websites.


Get perks and privileges, freebies and discounts just by using your BDO Credit Card at our partner stores. Whether you’re shopping, dining, traveling or simply relaxing, use your BDO Credit Card and you’ll surely be DELIGHTED!


Spend ANYWHERE with your BDO Credit Card and get instant treats, on top of the points you earn.

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 or call 631-8000.
  • 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.

American Express Customer Service

You only need to call 631-8000 for your customer service needs.

Payment Channels

  • 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 to pay for your Card using any touch-tone phone. Just call 631-8000.
  • BDO Call Center* - debit your BDO account and pay for your Card through the assistance of our Customer Service Officers. Just call 631-8000.
  • 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 recoginzed.




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:

  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

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
  1. 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/Principal Membership Fee First Year Free Free for Life*
  • Supplementary Membership Fee First Year Free
  • Finance Charge
    3.25% per month
  • *Terms and conditions apply.