BDO American Express Gold Card

The BDO American Express Gold Card is a charge card designed for flexible spending and travel rewards. It earns Membership Rewards points on purchases billed in US dollars, which can be redeemed for flights, hotel stays, and shopping rewards. Unlike traditional credit cards, it has no pre-set spending limit and requires the balance to be paid in full each month. Cardholders also benefit from travel insurance coverage and a low foreign exchange fee for overseas spending.

Key perks

Earn 1 Membership Rewards point for every $1 spend with non-expiring points.
No pre-set spending limit with flexible purchasing power.
Up to $300,000 free family travel insurance when travel tickets are charged to the card.

At a Glance

Card Tier:

Premium

Rewards Type:

Points

Best For:

Travel

Min Annual Income:

n/a

Annual Fee:

$150

Annual Fee Policy:

Non-Waivable

Features & Benefits

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

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

Get up to $300,000 free family travel insurance when travel tickets are charged to the card.

No pre-set spending limit, giving you flexible purchasing power based on your spending and payment history.

Charge card structure requires the full balance to be paid every month.

Transactions are billed in US Dollars, including local purchases.

Access cash advances up to $2,500 through select BDO branches, BDO ATMs, or American Express ATMs worldwide.

More Reasons To Love This Card

Installment & Payment Features

Credit to Cash:

n/a

Purchase Installment:

Purchase Convert

Balance Conversion:

Balance Convert

Balance Transfer:

n/a

Special Installment:

n/a

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.

Free Travel Insurance, Low Forex Fee

General Features

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

Auto Bill Payment

Fees & Charges

Annual Fee:

$150

Annual Fee note:

Non-Waivable

Annual Fee Supplementary:

$75

Annual Fee Supplementary note:

n/a

Retail Monthly Interest Rate:

n/a

Cash Advance Monthly Interest Rate:

n/a

Cash Advance Fee:

₱200

Processing Fee – Credit to Cash:

n/a

Processing Fee – Purchase Installment:

₱100

Processing Fee – Balance Conversion:

₱350

Processing Fee – Balance Transfer:

n/a

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).