Blue from American Express (BDO): fees, interest and requirements
The Blue from American Express (BDO) has a monthly membership fee of ₱150, waived above a monthly spend, charges 3% a month on unpaid balances and needs a minimum income of ₱180,000 a year.
Verdict: Worth it if the points you redeem are worth more than ₱1,800 a year. The fee is waived if you reach the spend the bank sets. Skip it if you earn under ₱180,000 a year or if you will not reach the spend that waives the ₱1,800 fee.
From BDO AMEX-FC table of fees and charges, dated September 2026. Interest cap, in force since 2023: BSP Circular No. 1165, s.2023.
₱20,000 repaid in 3 equal monthly payments at 3% a month costs ₱1,212 in interest; add ₱150 a month in membership fees (₱1,800 a year) and a year comes to ₱3,012, 34th lowest of 127 cards open to the public (tied with 4).
BDO's closest card is the BDO Visa Classic. Against it, this card earns rewards on different terms, runs on American Express, not Visa and has different perks.
BSP supervised: BDO Unibank, Inc., universal and commercial bank, BSP institution ID 30, is on the BSP Verifier list dated Sep 28, 2026.
What the Blue from American Express (BDO) gives you
- For every ₱45 spend, you get Membership Rewards® points for more shopping and dining privileges. BDO card page
Who should get the Blue from American Express (BDO)
| If | Then |
|---|---|
| You pay in full every month and want a rewards points card | The PNB Essentials Mastercard (PNB) asks the same or a lower income and costs ₱600 a year less. Pick the Blue from American Express (BDO) only if its rewards are worth more than that to you. |
Blue from American Express (BDO) downsides, and what a late payment costs
- The ₱1,800 fee is waived only if you spend ₱15,000 a month.
- Foreign currency purchases cost 2.5% extra.
If you pay late: BDO charges up to ₱850, and 3% a month interest runs on what is unpaid. Safe action: pay at least the minimum due by the due date, or the full balance to pay no interest.
Blue from American Express (BDO) annual fee, interest and charges
| Charge | Blue from American Express (BDO) | When, and the rule |
|---|---|---|
| Annual fee | ₱150 a month | Billed monthly: ₱1,800 over twelve statements. Your first year's membership fee is on us! Plus, get automatic monthly membership fee waiver when you spend at least ₱15,000 per month. BDO fee table, September 2026 |
| Interest | 3% a month | At the BSP ceiling of 3% a month (Circ. 1165). same table |
| Cash advance | ₱200 a withdrawal | The BSP maximum (Circ. 1165). same table |
| Late payment | ₱850 | same table |
| Foreign transactions | 2.5% | same table |
Figures from BDO AMEX-FC table of fees and charges (dated September 2026), BDO card page. BSP ceilings: BSP Circular No. 1165, s.2023. How BDO words its late-fee, foreign-fee and minimum-due rules, the same on all its cards: BDO billing rules.
Requirements and how to apply
Income: at least ₱180,000 a year (about ₱15,000 a month). bank page
Apply with the button below. Channels, documents, status and hotline: BDO contact and requirements.
Apply for the Blue from American Express (BDO) on BDO's site
Interest on your own balance
- Interest you pay at 3% a month:
- ₱1,212
- Monthly payment:
- ₱7,071
- Total you pay:
- ₱21,212
Against similar cards from other banks
| Card | Annual fee | Interest a month | ₱20,000 over 3 months, plus fees | Minimum income |
|---|---|---|---|---|
| Blue from American Express (BDO) BDO | ₱150 a month waived above a spend | 3% | ₱3,012 | ₱180,000 a year |
| PNB Essentials Mastercard PNB | ₱1,200 a year first year free | 3% | ₱2,412 | ₱120,000 a year |
| Toyota Mastercard Metrobank | ₱2,500 a year first year free | 3% | ₱3,712 | ₱180,000 a year |
| Metrobank Rewards Plus Visa Metrobank | ₱2,500 a year first year free | 3% | ₱3,712 | ₱180,000 a year |