BDO American Express Cashback Credit Card: fees, interest and requirements
The BDO American Express Cashback Credit Card has a monthly membership fee of ₱250, waived in the first year, charges 3% a month on unpaid balances and needs a minimum income of ₱396,000 a year.
Verdict: Worth it if the cash back on your own spending comes to more than ₱3,000 a year. The first year is free. Skip it if you earn under ₱396,000 a year.
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 ₱250 a month in membership fees (₱3,000 a year) and a year comes to ₱4,212, 64th lowest of 127 cards open to the public (tied with 14).
BDO's closest card is the BDO Diners Club International. Against it, this card earns rewards on different terms, runs on American Express, not Diners Club 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 BDO American Express Cashback Credit Card gives you
- Earn 1% cashback on local purchases and 2% cashback on overseas purchases. BDO card page
- Up to ₱10 Million free Family Travel Insurance: Charge your travel tickets to your card and explore the world without worries. same page
Who should get the BDO American Express Cashback Credit Card
| If | Then |
|---|---|
| You pay in full every month and want a cash back card | The PNB Cashback Titanium Mastercard (PNB) asks the same or a lower income and costs ₱500 a year less. Pick the BDO American Express Cashback Credit Card only if its rewards are worth more than that to you. |
BDO American Express Cashback Credit Card downsides, and what a late payment costs
- The ₱3,000 fee is charged every year after the waiver ends.
- 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.
BDO American Express Cashback Credit Card annual fee, interest and charges
| Charge | BDO American Express Cashback Credit Card | When, and the rule |
|---|---|---|
| Annual fee | ₱250 a month | Billed monthly: ₱3,000 over twelve statements. Your first year's membership fee is on us! 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 ₱396,000 a year (about ₱33,000 a month). bank page
Apply with the button below. Channels, documents, status and hotline: BDO contact and requirements.
Apply for the BDO American Express Cashback Credit Card 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 |
|---|---|---|---|---|
| BDO American Express Cashback Credit Card BDO | ₱250 a month first year free | 3% | ₱4,212 | ₱396,000 a year |
| UnionBank Lazada Credit Card UnionBank | ₱3,000 a year | 3% | ₱4,212 | ₱360,000 a year |
| Toyota Platinum Mastercard Metrobank | ₱2,800 a year first year free | 3% | ₱4,012 | ₱350,000 a year |
| UnionBank Shell Power Visa Platinum UnionBank | ₱2,800 a year | 3% | ₱4,012 | ₱180,000 a year |