Credit cards
BDO American Express Platinum
BDO Unibank
3.612 reviews
About this product
BDO American Express Platinum 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
- Premium Amex benefits
- Good for
- Premium Amex travel
- Rating
- 3.6 / 5
Card details
- Network
- American Express
- Tier
- Platinum
- Best for
- Premium Amex travel
- Billing currency
- PHP
- Availability
- Public catalog
- Min. annual income
- ₱1,116,000
- Min. monthly income
- ₱93,000
- Intro / first-year fee
- Check current fee sheet
- Fee waiver
- Not confirmed
- Monthly interest rate
- 3%
- Foreign transaction fee
- 1.85%
- Cash advance fee
- ₱200 (or US$3.20 for applicable dollar accounts)
- Base earn rate
- Membership rewards
- Bonus / cashback
- Premium Amex benefits
- Cap / threshold
- Program terms apply
- Airport lounge
- Premium lounge benefits
- Travel / purchase insurance
- Premium travel protection
- Other key benefits
- Concierge and premium travel
- 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.