BDO American Express Explorer Credit Card: fees, interest and requirements
The BDO American Express Explorer Credit Card has an annual fee of ₱4,000 a year, waived above a yearly spend, charges 3% a month on unpaid balances and needs a minimum income of ₱792,000 a year.
Verdict: Worth it if you fly often enough that its miles or lounge access are worth more than ₱4,000 a year to you. The fee is waived if you reach the spend the bank sets. Skip it if you earn under ₱792,000 a year or if you will not reach the spend that waives the ₱4,000 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 the ₱4,000 annual fee and a year comes to ₱5,212, 89th lowest of 127 cards open to the public (tied with 6).
BDO's closest card is the BDO American Express Platinum Credit Card. Against it, this card costs ₱4,000 a year instead of ₱5,000, asks for ₱792,000 a year in income against ₱1,116,000 a year, earns rewards on different terms 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 Explorer Credit Card gives you
- Earn one (1) membership Rewards® point for every ₱30 spend that you can redeem for air miles across 6 airline loyalty program partners (1 POINT = 1 AIR MILE). BDO card page
- Unlimited Complimentary Airport Lounge Access: Enjoy complimentary access at partner airport lounges every time you travel overseas. same 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 Explorer Credit Card
| If | Then |
|---|---|
| You pay in full every month and want a travel and miles card | The Maya Black Credit Card (Maya) asks the same or a lower income and costs ₱4,000 a year less as long as you use it monthly. Pick the BDO American Express Explorer Credit Card only if its rewards are worth more than that to you. |
BDO American Express Explorer Credit Card downsides, and what a late payment costs
- The ₱4,000 fee is waived only if you spend ₱450,000 a year.
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 Explorer Credit Card annual fee, interest and charges
| Charge | BDO American Express Explorer Credit Card | When, and the rule |
|---|---|---|
| Annual fee | ₱4,000 a year Supplementary: ₱2,000 a year | Your first year's membership fee is on us! Plus, get automatic annual membership fee waiver when you spend at least ₱450,000 per year. 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 | 1.85% | 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 ₱792,000 a year (about ₱66,000 a month). bank page
Apply with the button below. Channels, documents, status and hotline: BDO contact and requirements.
Apply for the BDO American Express Explorer 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 Explorer Credit Card BDO | ₱4,000 a year waived above a spend | 3% | ₱5,212 | ₱792,000 a year |
| Security Bank Platinum Mastercard Security Bank | ₱4,000 a year first year free | 3% | ₱5,212 | ₱780,000 a year |
| UnionBank Miles+ Visa Signature UnionBank | ₱5,000 a year | 3% | ₱6,212 | ₱360,000 a year |
| UnionBank Miles+ World Mastercard UnionBank | ₱5,000 a year | 3% | ₱6,212 | ₱360,000 a year |