Credit cards
BDO American Express Explorer
BDO Unibank
3.612 reviews
About this product
BDO American Express Explorer from BDO Unibank offers 3% per month. Compare the facts below, then continue to the provider when you're ready.
Key facts
- Rate
- 3% per month
- Rewards
- Travel-focused earn
- Good for
- Miles and lounge access
- Rating
- 3.6 / 5
Card details
- Network
- American Express
- Tier
- Travel
- Best for
- Miles and lounge access
- Billing currency
- PHP
- Availability
- Public apply
- Min. annual income
- ₱792,000
- Min. monthly income
- ₱66,000
- Intro / first-year fee
- Check current fee sheet
- Fee waiver
- Public product page refers to waiver after qualifying spend; verify
- Monthly interest rate
- 3%
- Foreign transaction fee
- 1.85%
- Cash advance fee
- ₱200 (or US$3.20 for applicable dollar accounts)
- Base earn rate
- Travel miles
- Bonus / cashback
- Travel-focused earn
- Cap / threshold
- Program terms apply
- Airport lounge
- Lounge access; current rules apply
- Travel / purchase insurance
- Travel insurance up to ₱10M
- Other key benefits
- Travel and Amex benefits
- Eligibility
- Generally age 21–60; Filipino citizen or qualified resident foreigner; employed or self-employed with supporting documents.
- Processing time
- Subject to BDO review
- Product page
- www.bdo.com.ph/personal/cards/credit-cards
What people say
Based on 12 reviews
UN
Unknown
12 Jul 2026
Fast release, clear terms
Applied online and got approved in two days. The rate matched what was advertised — no surprise fees. Staff answered all my questions.
UN
Unknown
3 Jul 2026
Good but paperwork heavy
Rates are competitive and the app is decent. Took a while to gather all the documents, but support was patient with an OFW like me.
UN
Unknown
28 Jun 2026
Reliable for repeat borrowers
Second time borrowing here. Renewal was smooth and the monthly amortization is exactly as computed on Finsyal.