the-american-express-cashback-credit-card

The American Express® Cashback Credit Card

No minimum spend. No rebate cap. Just maximum cashback.

CARD MEMBERSHIP 24/7 customer service anytime, anywhere.
EVERYDAY PRIVILEGES Earn as much as 2%* cashback. Learn more
TRAVEL PRIVILEGES

Complimentary travel & inconvenience insurance protection. 

24/7 Global Travel Assistance for emergencies.

At a Glance

Cashback

Enjoy 5%* cashback for the first 3 months of card issuance.

Earn 1% cashback on your local purchases and 2% cashback on your overseas purchases**.

No minimum spend. No rebate cap.

*Up to a maximum of P2,500 worth of bonus cashback.

**Terms and conditions apply. Click here for more details.

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 Monthly Billing Statement (MBS).

Cashback reflected in the MBS 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 MBS.

For additional details, refer to the terms and conditions on earning and redeeming under the Cashback Program.

Exceptional Service and Support

24/7 Customer Service Hotline anytime, anywhere.

Travel

Travel with Confidence

24/7 Global Assist. In case of an emergency while overseas, the Global Assist team will be able to offer you immediate personal advice on the phone. They can help with referrals to an English speaking doctor, lawyer or relevant professional, depending on your needs.

American Express Travel Services Offices worldwide is available to help and assist Cardmembers with travel-related inquiries and concerns. Visit http://www.amextravelresources.com/search to locate a Travel Service near you.

Comprehensive Travel Accident and Inconvenience Protection Insurance

Travel Accident Insurance Protection of up to Php 10,000,000.

Delayed Flight Departure, Flight Cancellation or Denied Boarding – Php 5,000; max of 
Php 10,000 per family.

Missed Connection – Php 5,000; max of Php 10,000 per family.

Luggage Delay – Php 5,000; max of Php 10,000 per family.

Luggage Loss – Max of Php 30,000 per family.

Financial Flexibility

First Year Annual Membership Fee

Enjoy Complimentary Annual Membership for the first year for the Basic and Supplementary Cardmembers. 

Annual Fee: Basic – Php 3,000; Supplementary Card – Php 1,500

 

Your entire annual card fee will be waived for the following year if you spend Php 200,000 annually.

Finance Charge

Low finance charge of 3.5% per month if you choose to pay only the minimum amount due or opt not to pay the full amount of your statement balance.

Fees and Charges

Click here to view Table of Fees and Charges and Sample Finance Charge Computation.

Cash Advance

You may withdraw up to 30% of your credit limit. 
You can withdraw at any BDO branches or ATMs overseas, just look for the American Express logo.

 

Online Services

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

Payment Convenience

Paying for your American Express Cashback Credit Card is easy. There are various payment options at numerous locations that you can choose from.

  • BDO Branch Counters: Cash or check payments are accepted at any branch.
  • BDO eBanking: 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 631-8000.
  • SM Bills Payment Centers: Pay for your Card through SM Bills Payment

Worldwide Recognition

Exclusive Savings and Privileges

  • American Express Selects® provides a wide range of offers exclusively for American Express Cardmembers. Visit amexnetwork.com/selects to view offers from around the globe in travel, dining, shopping and entertainment. 
    Bring along your American Express Cashback Credit Card anywhere you go and receive exclusive benefits reserved only for you. 
  • Taste from American Express Invites brings your local favourites from all over the world – specially chosen by our dining experts. Each restaurant offers Cardmembers something extra on the house: either a discount, complimentary wine or appetizer. 
    Visit amexdiningprogram.com to view the restaurants.

Purchase Protection

Your retail purchases are insured from theft, loss or damage within 30 days from purchase for up to Php 50,000 per occurrence or max of Php 250,000 per year.

Easy Installment Program

Take control of your finances. You may choose to pay purchases in fixed monthly payments in 3, 6, 9 or 12 months term at attractive interest rates. The minimum installment amount is 
Php 3,000 but may vary during special promotional campaigns.

Supplementary Card

Add Someone to Your Account

Your Basic American Express Card can come with a Supplementary Card that will allow you to extend the benefits of your Card to family and loved ones with full control of how much they can charge on the Card.

Simply download and completely fill-out the supplementary application form and email the scanned signed copy along with the required documents to amex@bdo.com.ph

Click here for the Supplementary Application Form.

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

To learn more, contact us at: 631-8000, 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  

  • About American Express and BDO Unibank, Inc.
    close

    About American Express and BDO Unibank, Inc.

    ABOUT THE COMPANY
    BDO Unibank Inc. (BDO) is now among the market leaders in its core business lines following its merger with Equitable PCI Bank (EPCI) in May 2007. The Bank offers a complete array of products and services, i.e. Retail Banking, Lending (Corporate, Commercial, Consumer, and SME), Treasury, Trust, Credit Cards, Corporate Cash Management and Remittances. Through its subsidiaries, the bank offers Leasing and Financing, Investment Banking, Private Banking, Bancassurance, Insurance Brokerage and Stock Brokerage services. It has one of the largest branch networks, with over 700 branches and more than 1,200 ATMs nationwide. 

    The Bank has reaped numerous awards from prestigious domestic and international institutions and publications. These awards validate BDO's pursuit of excellence and commitment to all markets it serves. 

    When BDO took over EPCI, it assumed the operation and issuance of The EPCI American Express Credit Card and The EPCI American Express Gold Credit Card. By December 2007, BDO also became the Issuer of all American Express Cards in the Philippines issued out by American Express International, Inc. (AEII) and American Express Savings Bank (A Savings Bank), Inc. (AESBI). Since then, BDO has continued to enhance these products and develop new ones to satisfy customer requirements. 

    Charge Cards:
    - The American Express Card and The American Express Gold Card 
    - The American Express Corporate Card and the American Express Gold Corporate Card 
    - The Platinum Card 

    Credit Cards:
    - Blue from American Express 
    - The American Express Credit Card and The American Express Gold Credit Card 
    - The American Express Platinum Credit Card 
    - BDO Dual Gold American Express Card 
    - The Cathay Pacific American Express Credit Card and The Cathay Pacific American Express Elite Credit Card 

    With a sizeable Cardmember base and a network of affiliated merchants that span the whole country, BDO represents a substantial share of the credit card market in the Philippines, providing its customers with a wide selection of benefits and advantages. 

    ABOUT AMERICAN EXPRESS
    American Express is a global services company, providing customers with access to products, insights and experiences that enrich lives and build business success. Learn more at americanexpress.com. 

    Since 1996, American Express has been pursuing a strategy of opening its merchant network and card product portfolio to third party issuers around the world. By leveraging its global infrastructure and the powerful appeal of the brand, American Express has gained even broader reach for its network worldwide. American Express has now established 148 partnerships in 160 markets across the world.

  • Trademarks
    close

    Trademarks

    The following are registered United States trademarks and service marks of American Express Company, its subsidiaries and affiliates which may appear in American Express Web sites: 
    - AMERICAN EXPRESS 
    - AMERICAN EXPRESS Box Logo 
    - AMERICAN EXPRESS Card Design 
    - AMERICAN EXPRESS CORPORATE Card Design 
    - AMERICAN EXPRESS CORPORATE EXECUTIVE Card Design 
    - AMERICAN EXPRESS CORPORATE PURCHASING Card Design 
    - AMERICAN EXPRESS GOVERNMENT Card Design 
    - AMERICAN EXPRESS SENIOR Card Design 
    - AMERICAN EXPRESS Travelers Cheque Design 
    - AMERICAN EXPRESS Travelers Cheque for Two Design 
    - AMERICAN EXPRESS WORLD SERVICE & Design 
    - AMEX 
    - CORPORATELINK 
    - DATAMEX 
    - do more 
    - DO YOU KNOW ME? 
    - DON'T LEAVE HOME WITHOUT IT 
    - DON'T LEAVE HOME WITHOUT THEM 
    - DON'T LEAVE HOME WITHOUT US 
    - EMPRESS 
    - EXPRESSNET 
    - FOOD & WINE 
    - Gladiator Head 
    - GLOBAL ASSIST HOTLINE 
    - Gold Card Design 
    - IDS 
    - MEMBERSHIP REWARDS 
    - OPTIMA 
    - OPTIMA Card Design 
    - OPTIMA TRUE GRACE 
    - OPTIMA TRUE GRACE Card Design 
    - PHONE FUNDS 
    - PLATINUM CARD 
    - PLATINUM Card Design 
    - PRIVILEGED ASSETS 
    - SIGN & TRAVEL 
    - SKY GUIDE 
    - SMARTDATA 
    - SMARTPARTNERS 
    - SMARTSOURCE 
    - SMARTSTART 
    - TRAVEL & LEISURE 
    - TRAVEL IMPRESSIONS 
    - TRUE GRACE 
    - TRUE GRACE Card Design 
    - Wall Street Wise. Main Street Smart. 
    - YOUR COMPANY 

    The following are United States trademarks and service marks of American Express Company, its subsidiaries and affiliates which may appear in American Express Web sites: 
    - CENTURION 
    - CHEQUES FOR TWO 
    - DON'T LEAVE HOME PAGES WITHOUT IT 
    - MEMBERSHIP B@NKING 
    - REWARDS MANAGER 

    The following are registered Philippines trademarks and service marks of American Express Company, its subsidiaries and affiliates which may appear in American Express Web sites: 
    - A/E 
    - A/E CORPORATE CARD DESIGN 
    - A/E CRD DES 
    - A/E MEMBERSHIP MILES & DES 
    - A/E MEMBERSHIP MILES & DESIGN 
    - A/E WRLD SVC & SCROLL DES 
    - AMERICAN EXPRESS 
    - AMERICAN EXPRESS BOX LOGO 
    - AMERICAN EXPRESS CARD DESIGN 
    - AMERICAN EXPRESS CORPORATE CARD DESIGN 
    - AMERICAN EXPRESS EXPRESS PAC 
    - AMERICAN EXPRESS IN BOX LOGO 
    - AMERICAN EXPRESS OPTIMA CARD DESIGN 
    - AMERICAN EXPRESS WORLD SERVICE & DESIGN 
    - AMERICAN EXPRESS WORLD SERVICE LOGO 
    - AMEX 
    - AMEXBANK 
    - APPLAUSE 
    - APPLAUSE (CHINESE LETTERING) 
    - DEPARTURES 
    - EXPRESSION 
    - GLAD HEAD 
    - GLADIATOR HEAD 
    - MEMBERSHIP MILES 
    - OPTIMA 
    - OPTIMA/CHINESE 
    - REVOLVING CREDIT CARD DESIGN 
    - THE PLATINUM CARD 
    - TRAVELER'S CHEQUE DESIGN 
    - TRUE GRACE 
    - WORLDFOLIO 

    The following are Philippines trademarks and service marks of American Express Company and its affiliates which may appear in the text of this Web site: 
    - A/E PLATINUM CARD 
    - A/E PLATINUM CARD/CHINESE 
    - AMERICAN EXPRESS (IN CHINESE CHARACTERS) 
    - CENTURION 
    - EXPRESS PLUS 
    - MEMBERSHIP REWARDS 
    - PLATINUM CARD 
    - THE PLATINUM CARD (IN CHINESE)

  • Web Site Rules & Regulations
    close

    Web Site Rules & Regulations

    AMERICAN EXPRESS® PARTICIPANTS WEB SITE RULES AND REGULATIONS
    BDO Unibank, Inc. (BDO), Rules, Regulations and Disclaimers for American Express Internet World Wide Web Sites, American Express Company, its subsidiaries and affiliates ("American Express") require that all the visitors to site(s) on the World Wide Web that mention(s) American Express-branded products and service (the "Site") adhere to the following rules and regulations. By accessing the Site, you signify your acknowledgment and acceptance of these terms and conditions. 

    1. SITE OWNERSHIP
    The Site is owned and controlled by BDO. American Express Company and its subsidiaries and affiliates ("American Express") have no responsibility or liability for the Site. 

    2. LAWS AND REGULATIONS
    User access to and use of the Site is subject to all applicable federal, state and local laws and regulations. 

    3. COPYRIGHT/TRADEMARKS
    The trademarks, logos and service marks ("Marks") displayed on the Site are the property of BDO, American Express and other parties. Users are prohibited from using any Marks without the written permission of BDO, American Express or such third party that may own the Marks. All content on the Site is protected by copyright. Users are prohibited from modifying, copying, distributing, transmitting, displaying, publishing, selling, licensing, creating derivative works or using any content on the Site for commercial or public purposes. 

    4. NO WARRANTIES
    ALL INFORMATION ON THE SITE IS PROVIDED TO YOU “AS IS” WITHOUT WARRANTY OF ANY KIND EITHER EXPRESSED OR IMPLIED INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, SECURITY OR ACCURACY. BDO and American Express do not endorse and are not responsible for the accuracy or reliability of any opinion, advice or statement made through the Site by any party other than statements they make themselves. Under no circumstance will American Express be liable for any loss or damage caused by a user's reliance on information obtained through the Site. It is the responsibility of the user to evaluate the accuracy, completeness or usefulness of any information, opinion, advice or other content available through the Site. Please seek the advice of professionals, as appropriate, regarding the evaluation of any specific information, opinion, advice, or other content. 

    5. LIMITATION OF LIABILITY
    BDO and American Express specifically disclaim any liability (whether based in contract, tort, strict liability or otherwise) for any direct, indirect, incidental, consequential, or special damages arising out of or in any way connected with access to or use of the Site, (even if BDO or American Express have been advised of the possibility of such damages) including liability associated with any viruses which may infect a user's computer equipment. 

    6. CONFIDENTIALITY OF USER COMMUNICATIONS
    Except as required by law, BDO will maintain the confidentiality of all user communications which contain personal user information and which are transmitted directly to BDO. Postings by a user on any message board or in any chat room will not be protected as confidential and BDO may use and provide information contained in any such postings (including any ideas, concepts, know-how or other intellectual property) to any of its parent company, subsidiaries and affiliates or to American Express for any purpose whatsoever and as deemed appropriate by BDO, subject to applicable law. 

    7. LINKED INTERNET SITES
    BDO and American Express are not responsible for the content available on any other Internet sites linked to the Site. Access to any other Internet sites linked to the Site is at the user's own risk. 

    8. POSTINGS
    BDO and American Express are under no obligation to review any messages, information or content (“Postings”) posted on the Site by users and assume no responsibility or liability relating to any such Postings. Notwithstanding the above, BDO may from time to time monitor the Postings on the Site and may decline to accept and/or remove any Postings that contain: 

    a. Any unlawful, harmful, threatening, abusive, harassing, defamatory, vulgar, obscene, profane, hateful, racially, ethnically or otherwise objectionable material of any kind, including, but not limited to, any material which encourages conduct that would constitute a criminal offense, give rise to civil liability or otherwise violate any applicable local, state, national or international law. 
    b. Advertisements or solicitations of any kind. [Note: This is not applicable for those Sites with message boards containing classified advertisements.] 
    c. Messages posted by users impersonating others. 
    d. Personal information such as messages which state phone numbers, social security numbers, account numbers, addresses, or employer references. 
    e. Messages by non-spokesperson employees of BDO or American Express purporting to speak on behalf of BDO or American Express. 
    f. Messages that offer unauthorized downloads of any copyrighted or private information. 
    g. Multiple messages placed within individual folders by the same user restating the same point. h. Chain letters of any kind. 

    9. TRANSMISSION OF PERSONAL DATA
    User acknowledges and agrees that by providing BDO with any personal or proprietary user information through the Site, user consents to the transmission of such personal or proprietary user information over international borders as necessary for processing in accordance with BDO's standard business practices. 

    10. CHANGES TO RULES AND REGULATIONS
    BDO reserves the right to revise the Rules and Regulations at any time and users are deemed to be apprised of and bound by any changes to these Rules and Regulations (except for those provisions concerning American Express). 

    11. VIOLATIONS OF RULES AND REGULATIONS
    BDO and American Express reserve the right to seek all remedies available at law and in equity for violations of these Rules and Regulations, including the right to block access from a particular Internet address to the Site. 

    12. ACCESS TO PASSWORD PROTECTED/SECURE AREAS
    Access to and use of password protected and/or secure areas of the Site is restricted to authorized users only. Unauthorized individuals attempting to access these areas of the Site may be subject to prosecution.

  • Privacy Statement
    close

    Privacy Statement

    At BDO, we are committed to protecting your privacy as a visitor to this website and as our customer. We are bound by strict rules of confidentiality and, unless we are required to do so by law, rule or regulation, we will not disclose any information you may provide us to any person without your permission. 

    Collection of Information
    We only collect information that are voluntarily submitted by our website visitors through the "Contact Us" section. Information provided are submitted to the BDO Customer Contact Center or the American Express Customer Service for proper handling. 

    Security
    We assure you that any information you communicate to us is protected. We have put in place state-of-the-art technology to prevent unauthorized users from accessing our systems. 

    Emails and Inquiries
    Inquiries sent through our website will be stored in a secured system environment. 

    Since email is not entirely safe, we will not include confidential account information. A Customer Service Representative will get in touch with you should we require other information. We will never ask for account numbers, passwords, credit card numbers or other personal information through email nor ask you to confirm any such information by clicking on a link in an email. Should you happen to receive an email containing a purported link to our website, asking you to provide or confirm confidential information, kindly ignore this and do not attempt to access the link to get to our site. These links may take you to a spoofed site that could send all information you enter to the hacker who designed the site.

All users of our online services subject to Privacy Statement and agree to be bound by Terms of Service. Please review.

© 2015 American Express Company. All rights reserved. 
© 2015 BDO Unibank, Inc. All rights reserved.