American Express® Cashback Credit Card

Welcome Offer

Up to 10% cashback* for the first 3 months of Card issuance:

Earn 9% bonus cashback on local purchases and 8% bonus cashback on overseas purchases.

Everyday Cashback

• Earn 1% cashback on local purchases and 2% cashback on overseas purchases
• No minimum spend. No rebate cap.

*Up to a maximum of PHP2,500 worth of bonus cashback.

*Applicable to Cardmembers with Cards issued starting September 1, 2022. Cardmembers with Cards issued prior to September 1, 2022 will earn 5% cashback under the Welcome Offer Program. 

Terms and Conditions apply for the 1%, 2% and 10% cashback

Earning and Redeeming Cashback

• Reward yourself with cashback on your everyday purchase.
• Every local or overseas purchase on your American Express Cashback Credit Card earns you 1% or 2% cashback that will be credited to the Basic Cardmember’s account and reflected in the Statement of Account (SOA).
• Cashback reflected in the SOA are computed based on posted transactions within the monthly cut-off date two (2) days prior to your statement cycle. Unposted Cashback earned after the cut-off date will be reflected in your succeeding SOA.
  
• For additional details, refer to the terms and conditions on earning and redeeming under the Cashback Program.
  

Online Shopping

• Save your Card details in your favorite online shops for fast and easy checkout. Ensure to enter the correct card security code when making a purchase online.
  - For STRAIGHT online transactions, enter the 4-digit code printed on the front portion of your Card.
  - For BUY NOW, PAY LATER online transactions, use the 3-digit code printed at the back portion of your Card.

Installment Programs

• Buy Now, Pay Later
  Major spending on gadgets, appliances, furniture, watches, jewelry or apparel is now made worry-free with Buy Now, Pay Later! Purchase items or pay for services on installment from over 19,000 in-store and online partner stores nationwide. You may also opt to pay medical bills and school tuition on installment. Choose from 3, 6, 9, 12, 18, 24 and 36 months term for a minimum single-receipt purchase of P3,000*.
  
  Buy Now, Pay Later Program is available on:
   - Zero Percent (0%) Interest**
   - Easy and affordable monthly add-on rates
  
  Plus, take advantage of Buy Now, Pay Later with Payment Holiday promotional offer and pay your first monthly amortization up to 4 months later and other exclusive offers. Visit BDO website and search for “Buy Now, Pay Later” for details.
  
  * Minimum purchase amount may vary per partner merchant
  ** Merchants have the sole discretion on the item(s)/term(s) applicable for the Zero Percent (0%) interest offering
  
  
• Balance Transfer
  Transfer your other card balances to your BDO-issued American Express Card and pay it on installment with low monthly add-on rates. Apply online via www.bdo.com.ph/balance-transfer.
  
  
• Cash-It-Easy
  Convert your credit limit into cash and pay in easy installments up to 36 months. To avail, call (02) 8667-1680, 8:30am-4:30pm on banking days or visit a BDO branch near you.
  
  
• Purchase Convert
  You can convert recent single-receipt purchases of at least P5,000 to installment using your BDO-issued American Express Card. To avail, call (02) 8631-8000.

Book and Access Airport Lounges with LoungeBuddy

Discover, book and access premium airport lounges worldwide with LoungeBuddy starting at USD25 – no elite status, lounge memberships, or class of service required. Click here to know more.

Travel with Confidence

• 24/7 access to Global Travel Assistance in case of medical or legal emergencies during your trip.

Comprehensive Travel Accident and Inconvenience Protection Insurance

Get up to PHP10,000,000 complimentary travel accident protection when entire travel fare is charged to your American Express Cashback Credit Card.

• Travel Accident Protection – Up to PHP10,000,000
• Travel Delay – PHP5,000; max of PHP10,000 per family (minimum of 4 hours)
• Emergency Trip Cancellation – Up to PHP200,000
• Missed Connecting Flight – PHP5,000; max of PHP10,000 per family (minimum of 4 hours)
• Baggage Delay – PHP5,000; max of PHP10,000 per family (minimum of 6 hours)
• Baggage Loss or Damage – PHP30,000; Max of PHP80,000 per family and subject to per item limit of PHP5,000

Purchase Protection

Your retail purchases are insured from theft, loss or damage within 30 days from purchase for up to PHP50,000 per occurrence or max of PHP250,000 per year. Applicable only when you charge your entire fare to your American Express Cashback Credit Card.

​Insurance coverage is subject to the terms and conditions of the insurance provider. To request for insurance claims, call BDO Insure Contact Center at (+632) 8838-BDOI or 8838-2364..

Membership Fee

• Free first year membership fee for the Basic and Supplementary Cardmembers.
• Monthly Fee: Basic Card – PHP250/month; Supplementary Cards – PHP125/month

Cash Advance 

Get cash up to 30% of your credit limit via select BDO branches nationwide or any BDO affiliated ATMs. For overseas cash advance availment, just look for ATMs bearing the American Express logo.

Online Services

Check your statement online anytime or call our Customer Service Hotline whether you are home or abroad.

Many Ways to Pay Your Bill

• BDO Branch Counters: Cash or check payments are accepted at any branch.
• BDO Online Banking: Transact anytime anywhere in the world through www.bdo.com.ph.
• BDO Phone Banking: Access your BDO account and pay for your Card using any touch-tone phone. Just call (+632) 8631-8000.
• SM Bills Payment Counters: Pay for your Card through SM Bills Payment.

Our Customer Service will be more than happy to assist you.

To learn more, contact us at:

(+632) 8631-8000, or

Domestic Toll-Free:

1-800-10-631-8000 (PLDT)

1-800-3-631-8000 (Digitel)

1-800-5-631-8000 (Bayantel)

1-800-8-631-8000 (Globe), or

International Toll-Free:

(IAC)+800-8-6318000

Click here for the list of International Access Codes.