Membership Rewards®

• Earn 1 Membership Rewards^® point for every dollar you spend. Use your points to redeem from a wide array of exquisite rewards from shopping gift certificates, home appliances, gadgets and more.
• You are automatically enrolled under the Frequent Traveler Program which lets you convert your Membership Rewards^® points into air miles with any of the 6 Frequent Flyer Program partners or hotel loyalty points for complimentary stays.

Click here for the Incentivo Catalogue and for more details on the American Express Membership Rewards^® 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 USD200 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.

The Perfect Travel Companion

• 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 USD300,000 complimentary travel accident protection when entire travel fare is charged to your American Express Gold Card.

• Travel Accident Protection – Up to USD300,000
• Travel Delay – USD150; max of USD300 per family (minimum of 4 hours)
• Emergency Trip Cancellation –  USD150; max of USD300 per family
• Missed Connecting Flight – USD150; max of USD300 per family (minimum of 4 hours)
• Baggage Delay – USD150; max of USD300 per family (minimum of 6 hours)
• Baggage Loss or Damage – USD250; max of USD500 per family (subject to per item limit of USD150)

​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.

Financial Management

• No pre-set spending limit.
• Billings in US Dollar.
• Complete control of your spending by paying your outstanding bill in full every month.
  

Annual Membership Fee

Annual Fee: Basic - USD150; Supplementary Card/s - USD75

Cash Advance

Get up to USD2,500 cash 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 of check payments are accepted at any branch.
• BDO Online Banking: Transact anytime anywhere in the world through www.bdo.com.ph.

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.