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BDO American Express Explorer Credit Card

The BDO American Express Explorer Credit Card is designed for travelers who want to earn miles faster while enjoying useful travel perks. It earns Membership Rewards points on every purchase that can be converted to airline miles at a 1:1 rate. Cardholders also get unlimited access to select airport lounges in the Philippines, travel insurance coverage, and a low foreign exchange fee for overseas spending. With bonus points opportunities and flexible installment options, it’s built for frequent travelers.

Key perks

  • Earn 1 Membership Rewards point per ₱30 spend (1 point = 1 mile) plus 2,000 bonus points every anniversary
  • Unlimited complimentary airport lounge access at Marhaba lounges in NAIA and Clark.
  • Low 1.85% foreign exchange conversion fee for overseas spending.

At a Glance

Card Tier:

Premium

Rewards Type:

Miles, Points

Best For:

n/a

Min Annual Income:

792,000

Annual Fee:

4,000

Annual Fee Policy:

Free First Year, Waivable with Spend

Features & Benefits

Earn 1 Membership Rewards point for every ₱30 spend, convertible to air miles across 6 airline loyalty partners (1 point = 1 mile).

Enjoy unlimited complimentary airport lounge access at Marhaba lounges in NAIA Terminals 1 & 3 and Clark International Airport Terminal 2 when traveling overseas.

Pay only 1.85% foreign exchange conversion fee on overseas and foreign currency transactions.

Get up to ₱10 million free family travel insurance when travel tickets are charged to the card.

Receive 2,000 bonus Membership Rewards points every card anniversary when you spend ₱600,000 per year.

Annual membership fee automatically waived with at least ₱450,000 annual spend.

Enjoy 0% installment and Buy Now, Pay Later at over 25,000 partner merchants nationwide.

Shop online securely with a free virtual card that uses a separate card number for safer online transactions.

First year annual fee waived.

More Reasons To Love This Card

Installment & Payment Features

Credit to Cash:

Cash Installment

Purchase Installment:

Purchase Convert

Balance Conversion:

Balance Convert

Balance Transfer:

Balance Transfer

Special Installment:

Buy Now Pay Later

Send Money:

n/a

Bills Payment:

Charge on Demand / Auto Charge

Not sure what these mean? Here’s a quick guide to help you understand each feature.
  • Credit to Cash — Convert part of your credit limit into cash and repay it in fixed monthly installments over a set period.
  • Purchase Installment — Convert an existing or recent straight purchase into installments so you can pay it off monthly instead of in one full payment.
  • Balance Conversion — Convert your current credit card balance into installments to make repayment more manageable with fixed monthly amounts.
  • Balance Transfer — Move your balance from another credit card to this card, usually with lower interest or on installment terms.
  • Special Installment — Pre-arranged installment offers for specific purchases (e.g., partner merchants or promos), often with 0% interest for a set term.
  • Send Money — Transfer funds directly from your credit card to a bank account or e-wallet, typically with a fee.
  • Bills Payment — Pay your bills using your credit card—either manually (on demand) or automatically (auto charge).

Travel Features

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General Features

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Fees & Charges

Annual Fee:

4,000

Annual Fee note:

Free First Year, Waivable with Spend

Annual Fee Supplementary:

2,000

Annual Fee Supplementary note:

n/a

Retail Monthly Interest Rate:

3%

Cash Advance Monthly Interest Rate:

3%

Cash Advance Fee:

₱200

Processing Fee – Credit to Cash:

₱350

Processing Fee – Purchase Installment:

₱100

Processing Fee – Balance Conversion:

₱350

Processing Fee – Balance Transfer:

₱350

Send Money Fee:

n/a

Note: The installment processing and Send Money fees shown above reflect the minimum applicable amount. Actual fees may vary depending on the transaction amount, currency involved, or how the request is initiated (e.g., through electronic channels or via customer service).

Eligibility & Requirements

Eligibility

Age: 21–60 (principal), 13+ (supplementary)
Residency: Filipino citizen or foreign resident in the Philippines
Minimum income: ₱66,000 gross monthly income

Requirements

Proof of Identification

  • Filipino applicants: Any valid government-issued photo ID (e.g., PhilSys ID, passport, driver’s license, SSS ID).
  • Supplementary applicants who are students: Valid school ID accepted.
  • Foreign applicants: Valid passport plus visa/immigration documents (e.g., work visa, ACR/ICR) and proof of employment or embassy endorsement if applicable.

Proof of Income

Employed applicants:

  • Latest ITR or BIR Form 2316 (required)
  • Plus any of the following: latest payslip, certificate of employment, or statements from an existing credit card (at least 1 year old)

Self-employed applicants:

  • Latest ITR and audited financial statements (required)
  • Business registration (DTI or SEC)
  • Recent bank statements (may be required)