UsapangCredit

BDO The Platinum Card

The BDO The Platinum Card from American Express is an elite charge card designed for high spenders who want premium travel perks and global privileges. It earns Membership Rewards points on all purchases while offering unlimited airport lounge access worldwide for you and a companion. With up to $2 million in travel insurance, concierge services, and exclusive airline and hotel benefits, it delivers a luxury travel experience. Its no preset spending limit and pay-in-full structure provide flexibility with disciplined spending.

Key perks

  • Unlimited global airport lounge access for you and a companion via the American Express Global Lounge Collection.
  • Up to $2 million free family travel insurance when travel tickets are charged to the card.
  • No pre-set spending limit with flexible purchasing power.

At a Glance

Card Tier:

Elite

Rewards Type:

Points

Best For:

Travel

Min Annual Income:

n/a

Annual Fee:

$750

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.

Enjoy unlimited complimentary airport lounge access worldwide for you and a companion via the American Express Global Lounge Collection (1,300+ lounges).

Get up to $2 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 world-class concierge services for travel, dining, reservations, and lifestyle assistance.

Enjoy exclusive airline and hotel privileges, including special rates with partner airlines and premium property benefits worldwide.

Get car rental privileges with benefits such as upgrades, discounts, and priority service with partner providers.

No pre-set spending limit, offering flexible purchasing power based on your profile.

Charge card structure requires full payment of the balance every month.

Transactions are billed in US Dollars, including local purchases.

Access cash advances up to $5,000 via select BDO branches, ATMs, and American Express-supported machines 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.

, , , ,

General Features

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

,

Fees & Charges

Annual Fee:

$750

Annual Fee note:

Non-Waivable

Annual Fee Supplementary:

n/a

Annual Fee Supplementary note:

First 4 supplementary cards free for life

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).

Eligibility & Requirements

Eligibility

n/a

Requirements

n/a