BDO American Express Credit Card and Promo

BDO American Express Credit Card Credit Cards

Interest Rate
3.50% per month
Annual fee
P1800 First year waived Free for life for an annual spent of P120,000
Promo & Features
Apply
Online
Inquiry
Tel
840-7000
Mail
callcenter@bdo.com.ph
Online
Visit inquiry page
  • Earn points as you spend, the more points you earn the greater rewards you can get.
  • Avail 24/7 Global Travel Assistance for medical and legal emergencies overseas.
  • Get exclusive Discounts and Deals with American Express Selects.
  • Minimum monthly income : P40,000
  • Annual Fee for Supplementary holder : P800 First year waived
  • more info
User Rating 4.6 (10 Reviews)
chralei ako? kung tatanongin ako rito sa card ng BDO? Kung happy ba ako na may ganito ako ngayun? Of course I am, I am happy kasi ...read more
Forum 3Threads (12 Replies)
WOOOh Pwedi ba itong magamit just in case may emergencies might occur? kasi they said namna daw makakatulong ang ganitong card if may ...read more

Information

Reviews

Forum

Earn points as you spend, the more points you earn the greater rewards you can get.

Reward yourself with exciting reward items just by purchasing your wants or daily needs you get to earn 1 MR point for every P45 spent and exchenge points into Air miles from any of the 6 frequent flyer program partners or exchange points from exciting rewards selections in American Express Membership Rewards.

Avail 24/7 Global Travel Assistance for medical and legal emergencies overseas.

With American Express Global travel assistance for medical and legal emergencies you won't have to worry about your travel or business troubles overseas, Medical and Legal assitance are just one call away.

Get exclusive Discounts and Deals with American Express Selects.

Take advantage of a fine selection of year round offers and savings all over the globe, Enjoy savings on beauty treatments, finest restaurants, bonus rewards and many more.

Basic Information

Card name

BDO American Express Credit Card

Bank

BDO

Brand

Amex

Type

Standard

Fees and charges

Interest rate (per month)

3.50%  per month

Annual fee

P1800  First year waived Free for life for an annual spent of P120,000

Annual Fee for Supplementary holder

P800
First year waived

Minimum Payment

3% of the outstanding balance less installment amortizations and new transactions posted within the current statement period, or P200 / US$5, whichever is higher; b) 3% of installment amortization; c) Overdue Amount; d) Over-Limit Amount

Credit Limit

Late payment charge

7% of the overdue amount

Cash advance limit

Cash advance handling fee

5% of the amount withdrawn or P500 / US$10, whichever is higher

Cash advance interest charge

3.25%

Overseas spending fee

Assessment fee of 1% plus service fee of 2.5% of the converted amount

Payment Channels and Fees

BDO Branch Counters
BDO eBanking
BDO Phone Banking.
BDO Call Center
SM Bills Payment Counters

Installment Plan

Easy Pay Installment, 0% interest in partner stores and chose from a variety of payment terms
Easy Pay Convert, No installment plan available at your favorite store? with Easy Pay Convert you can request for installment payment scheme for your favorite store

Sales Slip Retrieval Fee

P300 for each sales slip retrieved for local transactions or P500 for each sales slip retrieved for international transactions

Replacement/Lost card fee

P400

Returned Check Fee

P1,250 / US$35 per returned check or insufficient ADA account

Eligibility

Minimum monthly income

P40,000

Minimum age for Principal holder

must be 21 to 70 years old

Minimum age for Supplementary holder

At least 13 years old

Promo & Features

Cashback

Reward

Mileage

Shopping

Health & Medical Insurance / Service

24/7 Medical and Legal Assitance

Travel information

24/7 Global Travel Assictance

Others

Charge your bills at your convineince with Charge on Demand and Auto Charge

Reviews of BDO American Express Credit Card

User Review : 10Reviews

Design 4.7
Fees & Charges 4.4
Customer service 4.7
Features 4.5
Total 4.6

chralei

Choose these Card. Choose BDO

ako? kung tatanongin ako rito sa card ng BDO? Kung happy ba ako na may ganito ako ngayun? Of course I am, I am ...Read more

  • Rating : 5.0
  • Date : Sep 10, 2019
  • Review by chralei

arjo

Discounted card, earning points.

makakdiscount ka sa pagmeron kang credit cards which is sa bdo bank, to get freebies and discounted ka, ang daming ...Read more

  • Rating : 5.0
  • Date : Aug 9, 2019
  • Review by arjo

edseledy

even famous but I'm not interested

even pa siguro sikat or maskilala ito na banko dito sa pilipinas.. mejo di parin ako interesadong makisali pa para ...Read more

  • Rating : 3.3
  • Date : Jul 19, 2019
  • Review by edseledy

Forum of BDO American Express Credit Card

WOOOh

Availing

Pwedi ba itong magamit just in case may emergencies might occur? kasi they said namna daw makakatulong ang ganitong card if may ganito ka. you can be able to use very efficient raw... Tama kaya yon? Kasi I guess nmana needed ko talaaga to just in caes if ... Read more

  • Last updated : Nov 13, 2019
  • Posted by WOOOh
  • Replies of This topic : 2 Replies

jayke

Just wana ask lang po

Mga magkano ba yung down payment nito if mag-aaply ka sakanilang card? If may ganito ka nang card, syempre hindi nawawala riyan yung interest. Mga magkano rin yong interest nito? Tsaka kapag hindi nabayaran within that day yong inutang mo na pera using ... Read more

  • Last updated : Dec 26, 2018
  • Posted by jayke
  • Replies of This topic : 4 Replies

graciano

Interesting card

Tanong ko lang sana, kung same lang po ba yung interest nila sa ibang klasing cards like BDO, BPI, Landbank at iba pang cards? Paano ba makakakuha ng ganitong cards kasi pang universal cards ito ee, meron bang ganitong cards sa pilipinas? Gusto ko ... Read more

  • Last updated : Nov 15, 2019
  • Posted by graciano
  • Replies of This topic : 6 Replies

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Information

Reviews

Forum

Overall Rating

Design 4.7
Fees & Charges 4.4
Customer service 4.7
Features 4.5
Total 4.6

Please feel free to post your review on this product.

Write a Review

chralei

  • Review by chralei
  • Sep 10, 2019
Design 5.0
Fees & Charges 5.0
Customer service 5.0
Features 5.0
Total 5.0

Choose these Card. Choose BDO

ako? kung tatanongin ako rito sa card ng BDO? Kung happy ba ako na may ganito ako ngayun? Of course I am, I am happy kasi may ganito akong klasi na card noh from BDO pa talaga. Marami kaya ang nag-eendorse ngayon sa BDO Bank tulad nila Pia Wurtzback, Sarah G., Xian Lim, and Ms. Catriona Gray. Talaga namang mga superstar at mga reigning queens ang endorser diba kaloka. Sobrang progressive na nagyun ang BDO Bank guys. Kaya kayo dapat magBDO Bank narin kayo malalaman niyo kung gaano kaganda ang promo and services nila promise.!

Good Review

arjo

  • Review by arjo
  • Aug 9, 2019
Design 5.0
Fees & Charges 5.0
Customer service 5.0
Features 5.0
Total 5.0

Discounted card, earning points.

makakdiscount ka sa pagmeron kang credit cards which is sa bdo bank, to get freebies and discounted ka, ang daming promo nila guys lalo na pagstart sa ber, i mean malapit na ang september guys asahan niyo yong mga bagong points nila, i mean mga promo nila ang galing talaga ng services nng bdo no!? ganun rin ba kayo guys? sa lahat ng naffeel ko even credit card but fast money transactions sila, mas lodi ko ang bdo bank kesa don sa iiba not offended yong comments ko nato eh basi lang naman sa naexperience ko dito sa card ko may points ako na naearn dahil sa responsible ako sa obligations ko sa bdo bank nato. so considering that marami akong naearn na points.

Good Review

edseledy

  • Review by edseledy
  • Jul 19, 2019
Design 4.0
Fees & Charges 3.0
Customer service 3.0
Features 3.0
Total 3.3

even famous but I'm not interested

even pa siguro sikat or maskilala ito na banko dito sa pilipinas.. mejo di parin ako interesadong makisali pa para maginvest nang pera sa bdo bank. kung iimaginin niyo ha sobrang napakamahal magopen ng new account mo kasi bakit... malaki yong minimum start nila ee aabot yan hanggang 10k-20k yan.. may mga banko lang kasi na nasa mga mababa lang ang starting like don sa metrobank nasa mga 5k lang ang starting nila. kaya nga ako metrobank yong card ko I am a card holder rin ng metrobank don ako nagiinvest kahit pa e di gaano ka sikat na card pero para sa akin goo din don ang investment.

Good Review

lean sanbel

  • Review by lean sanbel
  • Jul 17, 2019
Design 5.0
Fees & Charges 4.0
Customer service 5.0
Features 4.0
Total 4.5

sikat na card

sobrang maissue kasi tong card nito, ay hindi mali pala sobang napakasikat ito na banko dito sa pilipinas and marami na ngang artistang nageendorse nito . kaya naman mas lalo pang napabilib pa ang mga madlang peps natin dito sa pinas. in all fairness kasi marami ng mga taong nagiinvest dito sa bdo mga dzae and dzong. kasi nga this is one of the best bank in the philippines eh. diba? pangalawa lang ata yong metrobank ngaun na humahabol sa bdo bank. pero para sa akin bdo nalang ako kapag ganun kasi may home loan and car loan sila na talaga namang magandang pagkainvestohan diba?..need rin kasi nang bahay eh..

Good Review

andrew sontero

  • Review by andrew sontero
  • Jun 25, 2019
Design 5.0
Fees & Charges 5.0
Customer service 5.0
Features 5.0
Total 5.0

enough card for me

ang per month interest rate ko rito is 3.5% and yong annual fee ko is first year waived free for life for an annual spent of P120,000. yan yong nabayaran ko as of the meantime kasi nga mejo nag iisang taon palang akong naging myembro ng bankong ito. Till then, i know how good the services of the bdo bank is. No comment naman ako rito sa ngaun kasi nagiisang taon palang ako ngaun.. but I know it was so good to have the great card like this, like bdo bank.

Good Review

hero tuyor

  • Review by hero tuyor
  • May 31, 2019
Design 4.0
Fees & Charges 4.0
Customer service 5.0
Features 4.0
Total 4.3

For the better

I talk to myself, ''Im gonna find myself for the better''. And that better became so much excellent. because of this card I am now capable in handling my own savings. that is why I have now the business, I build a business now. Even if Im too young to hold for the business but if you have the willingness to work hard ,, and you follow your passion then it will be grant because of your perseverance to do it. And that is me, I am willingly working so much to lift up my business. I love the bank and there services as well.

Good Review

roldan devega

  • Review by roldan devega
  • Apr 17, 2019
Design 5.0
Fees & Charges 5.0
Customer service 5.0
Features 5.0
Total 5.0

Travel Assistance? Go in here!

kung gusto niyo guys ng travel assistance feel free to have this BDO American Express Credit Card. I actually have it kaya na man nageenjoy talaga akong magtravel abroad without hesitating something with my new BD cc. I like it a lot specially their fast and easy way money transactions I like it really. I wish that you have also this lovely credit card as your way of making your life's been better,..

Good Review

lydel

  • Review by lydel
  • Feb 20, 2019
Design 5.0
Fees & Charges 4.0
Customer service 5.0
Features 5.0
Total 4.8

the rebates itself

May rebates ngayon ang BDO guys asanhan niyo yong mga bagong offers nila ngayon para sa mga maraming mga points na naearn ko. Nagbibigay kasi ng mag promo and other offers si BDO bank. Sure ako parang ngayon meron na nagstart na silang mamigay ng mga rewards sa mga daily or regular customers nila ngayon. if kapag kasi regular customers ka nanila and regarding din yong sa iyong mga naipon dun sila magbibase kasi. And ako may makukuha raw akong mga rewards punta lang ako sa BDO dun yata nila ibibgay yong prize and iclaim ko nalang yong sa susunod na linggo hhehehe

Good Review

J.J

  • Review by J.J
  • Nov 29, 2018
Design 4.0
Fees & Charges 4.0
Customer service 4.0
Features 4.0
Total 4.0

easy to fine something better

Just reward yourself sa pinakabagong american cards nationwide po ito, kahit saan niyo man ito dalhin i magagamit niyo to for efficient and easy transactions. Kahit saan pang lugar yan, kahit gaano pa kalayo yang binabyahe niyo ngayon kapag may ganito kayo yong life niyo sobrang madalli lang. Basta kasa-kasama niyo lang to. Easy money, easy life ganun lang. Magnada po kasi yong systema nito and of course nrin sa maganda services nila as well.

Good Review

jeggy boy

  • Review by jeggy boy
  • Sep 25, 2018
Design 5.0
Fees & Charges 5.0
Customer service 5.0
Features 5.0
Total 5.0

You can get the best points

Kung itatanong niyo sakin kung Visa or Mastercard bato, both are almost close equally accepted. every merchant nag-aaccepts sila ng credit cards takes both Visa and Mastercard, it's true not only in the United States, but also internationally, where acceptance is lower for American Express and Discover. Okay here bibigyan kita ng hint kung anong steps pagmag-aavail ka ng ganitong cards, five steps you need to take to get your first ever credit card from BDO. First and for most, choose the best credit card for your needs, second check the basic requirements for a BDO credit card, thirdly, complete the necessary documents for credit card application and of course file your application and lastly, check your BDO credit card application status. Simple as that.

Good Review

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Please feel free to post your questions on this product.

Start a new topic

Availing

WOOOh

  • WOOOh
  • Apr 25, 2019

Pwedi ba itong magamit just in case may emergencies might occur? kasi they said namna daw makakatulong ang ganitong card if may ganito ka. you can be able to use very efficient raw... Tama kaya yon? Kasi I guess nmana needed ko talaaga to just in caes if may emergency na and ito yong gagamiting payment if walang pera. Kasi makakautang naman automatically kapag member daw. Is it ok if magaavail ako rito no? Bukas pupunta ako sa branch ng BDo..

Sheila door

  • Sheila door
  • Oct 22, 2019

para di naman po ata totoo yan, sa pagkakaalam ko lang po kasi yang card na yan is exclusive for travel abroad makakaless po kayo tapos makakadiscount pa po kaya niyan sa airplane na sasakyan ninyo. kung siguro for emergency talaga ee ano bang tinutukoy niyo na emergency? kung pera ok po yon kung travel naman po ay okay din po yon kasi naman tama ka pangefficient nga talaga ang services nila . yan po kasi ang pagkakaintindi ko kasi same po tayo ng card tapos pa po niyan alam ko po yong mga promos ang paano makakadiscount alam na alam ko po yon kasi magwaone year na po kasi ako sa bdo ee kaya alam ko yon.

Good Answer

tito tita

  • tito tita
  • Nov 13, 2019

siguro po ito sa pagkakaalam ko lang kasi, di po siya pang emergency . madami kasing klasi na emergency po ee maaring naospital ba or needed ng pera , kasi kapag needed ka nang pera of course it was given naman din kasi money matters naman talaga ang pinoprovide ni bdo kahit ano pang klasi na cards po yan . pangalawa naman po kung naospital po or something i dont think so po kasi di pa po kasi ako nakatry ng ganyan ee,ng kumuha don sa credit card ng pera mismo. para po kasi sa akin ginagamit ko lang to for discount kapag nagtatravel ako to other country yon lang po talaga .

Good Answer

Reply

Just wana ask lang po

jayke

  • jayke
  • Nov 26, 2018

Mga magkano ba yung down payment nito if mag-aaply ka sakanilang card? If may ganito ka nang card, syempre hindi nawawala riyan yung interest. Mga magkano rin yong interest nito? Tsaka kapag hindi nabayaran within that day yong inutang mo na pera using these credit card, mga magkano rin yong charges? Maliit lang ba yun or maslalaki ng lalaki yong interest kapag hindi ito na bayaran?

venuz

  • venuz
  • Nov 28, 2018

Hindi ko rin nga alam, pasensya na kasi ako gusto ko rin sana na magtanong kung magkano po ang downpayment nito. Pati narin sa mga charges hindi ko rin alam, maganda naman din namn yong american epress yon yong sabi ng iba. Gustong kong magkaroon ng ganito kasi walang akong credit na card ee ang meron lang sakin is yong debit kasi personal savings ko yon ee hindi rin namankasi ako mahilig mangutang kaya hindi ako agavail ng ganyang card but then sabi nila mas maganda naman din kahit papano ang gantong card kaya gusto ko rin sanag magkaroon ng ganito.

Good Answer

lovera

  • lovera
  • Dec 10, 2018

Sa debit card lang kasi yong alam ko guys yong down-payment nila is nasa mga 5k tapos kung mag-avail ka namn for personal savings account is nasa mga 10k yong starting pero kasi sa credit card wala akong alam jan, pag BDO account yong ina-avail mo maliit naman yata yong down-payment nila sa tingin ko lang naman compared sa pagavail mo sa cards nila specially para sa mga first timer.

Good Answer

ana lea

  • ana lea
  • Dec 26, 2018

wala naman CC ang ginamit for payment mali kayo, baka ang DC yong sinasabi niyo maam/sir. Sa tingin ko DC kasi personal savings niyo yan and iyan ping CC is good for home credit lang pero kapag purchases na ehh feel ko DC ang mode of payment. baka ma wrong kayo niyan maam and maaapektohan pa yong privacy ng bank account niyo'; dpat niyo yang iwasan yan kasi ang ginagawa ng iba. Base lang din sa mga BDO car holder yan ang strategy nila to protect their own account

Good Answer

leandro anton

  • leandro anton
  • Dec 26, 2018

I don't know kung ano yong mga tips para mas maging good ang fundings ng debit card ko. parang useless lang na may Debit card kasi hindi ko na kasi siya hinuhulugan ngyaon baka magfloat yong card ko. tapos yong isa ko pang card which is credit eh dami ko nag utang dami ko na rng charges. Lumalaki na nga ehhh, pero medyo kampanti parin ako hahahah ayaw kung i take too much to think kasi masisira utak ko nito

Good Answer

Reply

Interesting card

graciano

  • graciano
  • Sep 20, 2018

Tanong ko lang sana, kung same lang po ba yung interest nila sa ibang klasing cards like BDO, BPI, Landbank at iba pang cards? Paano ba makakakuha ng ganitong cards kasi pang universal cards ito ee, meron bang ganitong cards sa pilipinas? Gusto ko talagang mag-avail nito kasi as far as I know, usable talaga siya. Credit o debit card po ba ito?

solidad

  • solidad
  • Oct 15, 2018

credit card po syempre. Sasagutin ko yung una mong tanong. Hindi po same ng interest ang American Cards sa BPI and other banks may kanya2 po yan silang mga interest sa sa tingin ko lang 3% yung sa BDO yun lang ang alam ko the rest is hindi na, malaki yung interest sa BDO e kasi may ganito akong cards but maganda siyang gamitin naman so far.

Good Answer

THUNDER ford

  • THUNDER ford
  • Oct 19, 2018

Tama kayo maraming mga banko na may matas at mababang interest. Sa business or makikipag-negotiate may interest talaga yan naka depende po yan sa deal niyo or transactions between the client and the owner. Eastwest bank kasi yung card ko yung Interest rates nila are not charged if kayo po nagbabayad ng balance in full on or before your due date. If you missed your payment, then you can get charged from 1.99% per month yan po kasi yung rules nila when it comes to delay of payment sa balance niyo.

Good Answer

chralei

  • chralei
  • Dec 17, 2018

diyaan po sa eastwest bank maganda din namn so far but the interest could actually grow even more, yon nga hindi naman din atin yong pero but the good thing is I am a good payer kaya hindi ako nakakapagbayad ng high interest nila. Tapos aware din po ako sa mga charges kaay hindi ako delay nagababyad ng utang ko. If your a good payer din you can get win win situation, it may balance between the payer and the bank personnel.

Good Answer

praphy

  • praphy
  • Dec 19, 2018

mas maganda pag eastwest bank, aii pareha pala tayo ng bank kasi jan din ako nagavail ng card nila maganda kasi yong interest and small amount lang yong charges nila and i can think that may mga other offers and promo sila ngayon, specially pa end na ang taon. Jusr thinking kung ano naman kaya yong mga pasabog prices nila sa tin. Na orient ka na ba ng personnel sa eastwest bank ? Nag iinform kasi sila sa mga regular cust. nila inaabangan ko na nga yong surprise nila ngayon

Good Answer

dhalia

  • dhalia
  • Dec 21, 2018

nakagamit din ako ng easwest car pero sa laht ng sinabi niyo eh parang hinid po totoo kasi I had also experience ng bank services nila. Good payer naman po ako but still may malaki parin silang interest and fees din wala naman akong violation. Overall parang hindi ko narin nagustuhan yong services nila ngayon. noon okay okay pa pero ngayon mas dami nakasing competitors kaya minsan ang iba lumipat na sa ibang bank....at isa na po kao diyann

Good Answer

wawa

  • wawa
  • Nov 15, 2019

hindi po sila same ng rate magkaiba po yan silang lahat, kasi ibang company po yang tinutukoy niyo po ee , bakit naman magkakapareho ng rate, mali po yon di po sila same, ang tanging alam ko lang is sa metrobank nasa mga 2-3%, sa bdo naman nasa mga 3-5% ayon mas makikita niyo na masa malaki pa sa bdo then sa bpi naman di ko na alam yon eh pero at least may hint na kayo kung anong bank ang gusto niyong applyan. sayo kasi mangagaling ang decision ee di po yan sa akin itoy suggestion ko lang naman kasi kay metrobank account ako pero sa bdo wala sa wife ko lang bdo kasi ang account niya kaya alam ko yong rate nila.

Good Answer

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