UsapangCredit

BDO American Express Platinum Credit Card

The BDO American Express Platinum Credit Card offers a mix of travel privileges and flexible rewards for frequent spenders. It earns Membership Rewards points on both local and overseas purchases, which never expire and can be redeemed for travel rewards or shopping benefits. Cardholders also get unlimited access to select airport lounges in the Philippines, up to ₱20 million in travel insurance coverage, and a low foreign exchange fee. With concierge assistance and installment options, it’s built for convenient travel and everyday spending.

Key perks

  • Earn 1 Membership Rewards point for every ₱45 or $1 spend with non-expiring points.
  • Unlimited complimentary airport lounge access at Marhaba lounges in NAIA and Clark.
  • Up to ₱20 million free family travel insurance when travel tickets are charged to the card.

At a Glance

Card Tier:

Premium

Rewards Type:

Points

Best For:

n/a

Min Annual Income:

1,116,000

Annual Fee:

5,000

Annual Fee Policy:

Free First Year, Waivable with Spend

Features & Benefits

Earn 1 Membership Rewards point for every ₱45 or $1 spend, with non-expiring points redeemable for air miles, hotel loyalty points, shopping vouchers, or annual fee waiver.

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

Get up to ₱20 million free family travel insurance when travel tickets are charged to the card.

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

Access a 24/7 concierge service for travel, dining, reservations, and lifestyle assistance.

Dual currency billing lets you pay transactions in Philippine Peso or US Dollar.

Annual membership fee automatically waived with at least ₱600,000 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.

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

Click an item to view other credit cards with the same feature or benefit.

, ,

General Features

Click an item to view other credit cards with the same feature or benefit.

, , ,

Fees & Charges

Annual Fee:

5,000

Annual Fee note:

Free First Year, Waivable with Spend

Annual Fee Supplementary:

2,500

Annual Fee Supplementary note:

First 5 supplementary cards free for life

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: ₱93,000 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)