Blue from Amex
Classic
BDO · Amex · Classic
Blue from Amex
Why pick it: Monthly fee waived in months you spend ₱15k
Entry Amex: 1 Membership Rewards point per ₱45, airline transfers at 3:1 with ₱800/yr FTO; monthly fee waived in months with ₱15,000 spend.
- Score
- 37 /100
- Rank
- #40 of 123
- Annual fee
- ₱1,800
Starter Amex na may madaling fee waiver, pero halos walang perks na nakalista sa page.
Bottom line: Low income bar ba ang hanap mo, at kaya mo ang ₱15,000 a month na spend? Bagay ito. Kung hindi, ibang card na lang.
Read the full take: the math, what's good, what hurts
Annual fee: ₱1,800 (galing sa data). Per the page, auto-waived ito kapag naka-spend ka ng ₱15,000 kada buwan; ₱180,000 a year naman ang bilang sa data. Para sa typical household (~₱825k a year), nasa ~₱2,500 ang rewards. Sa trips abroad, ~-₱500 ang net, negative dahil sa foreign fee (2.50%, galing din sa data). Nasa puwesto #40 sa 123, at 37 ang score.
The numbers in this take are our estimates for a typical household, not bank policy. Check fees and waivers with the bank.
What's good
- Mababa ang income requirement: ₱15,000 a month.
- Madaling ma-waive ang fee, at free ang first year.
- Hindi nag-e-expire ang points, at 6 ang airline partners, galing sa data.
What's bad
- Foreign spend fee: 2.50% (galing sa data), kaya huwag itong gamitin abroad.
- 1 point per ₱45 lang, per the page. May extra Frequent Travel Option fee ang airline transfer, galing sa data.
- Walang travel insurance o lounge na nakalista sa page, at hindi lahat ng store ay tumatanggap ng Amex, base sa data.
- Per the Membership Rewards T&C, hindi kumikita ng points ang Auto Charge bills.
The catch: Wala sa page mismo ang annual fee, kaya galing sa data ang ₱1,800. Magtanong sa bank kung paano nila binibilang ang waiver.
Rechecked on the bank page on 2026-10-24. Not on the page: annual fee; foreign fee; airline transfer terms and Frequent Travel Option fee (from our earn rules); insurance. Our opinion, based on published terms. Not financial advice. The bank decides approval.
The take above is written for a typical household spending about ₱825,500 a year. Get your own score in 60 seconds.
- Yearly value for a typical household:
- about ₱2,000 in rewards (₱2,500) and travel value (−₱500), before the ₱1,800 annual fee (waived automatically at ₱180,000 yearly spend)
- To qualify:
- ₱180,000 a year income; Regular employee, or self-employed with business running 2+ years
- Bank service:
- Worse than typical.
First year
- Welcome offer:
- ₱5,000 welcome cashback on a new card approved Sep 1, 2026 to Jan 31, 2027: activate and spend ₱50,000 within the spend period (offer sent by SMS/email) (ends Jan 31, 2027)
Bank details as of Oct 23, 2026. Offers change; confirm on the bank's page before you apply. None of this changes the card's score.
Who can apply
- Age:
- 21 to 60 for the principal cardholder.
- Employment:
- Regular employee, or self-employed with a business operating for at least 2 years.
Bank details as of Nov 4, 2026. Where a card's own page is silent, the rule is from the bank's general requirements page; confirm on the bank's page before you apply. None of this changes the card's score.
Score breakdown, fees, rewards and perks
Score breakdown
#40 of 123 cards open to new applicants, and #58 of all 170 scored cards once invite-only, closed and limited-eligibility cards are counted too.
- Yearly value11 / 63
These bars compare each part with other cards on its own, so they don't add up to Yearly value. How it is scored
- Rewards on the default spend6 / 37
About ₱2,500 a year in rewards on the typical household's spend, after caps and the foreign fee on foreign online spend. How the bars work
- Annual fee after waivers16 / 16
The ₱1,800 fee is waived automatically at ₱180,000 of yearly spend, which the typical household reaches. How the bars work
- Travel and perks on the default spend1 / 10
About −₱500 of travel value on one trip abroad a year, after the 2.50% foreign fee. How the bars work
- Promos and 0% installments14 / 15
0% installment network: strong. Promos: strong, judged by what a typical household would likely save from the promos this card gets, past and current, with 26 live promos tracked. How it is scored
- Points flexibility7 / 10
6 airline partners, and points that do not expire. It counts for less here because the card earns little back on this spend. How it is scored
- Credit limit and upgrade path2 / 5
Classic card level, plus how BDO handles credit limit increases and card upgrades. How it is scored
- App and service3 / 5
Banking app: strong. Service: worse than typical. How it is scored
- Late fee1 / 2
A late fee of ₱850 for one missed payment. How it is scored
On the default spend: about ₱2,500 a year in rewards and −₱500 in travel value.
Score over time
Total score and tier on each data date, on the default spend.
- Between Oct 24 and Oct 26 the scoring method changed (2 changes), so part of that move is the method, not the card.
- Between Oct 26 and Oct 27 the scoring method changed (10 changes), so part of that move is the method, not the card.
- Between Nov 2 and Nov 4 the scoring method changed (a card with a higher income minimum for first-time applicants is no longer left out), so part of that move is the method, not the card.
- Between Nov 10 and Nov 11 the scoring method changed (3 changes), so part of that move is the method, not the card.
- Method changes
Fees and who can apply
- Annual fee
- ₱1,800
- Supplementary fee
- ₱900
- Fee waiver
- Waived automatically at ₱180,000 yearly spend
- Foreign transaction fee
- 2.50%
- Minimum income
- ₱180,000 a year
- Also needs
- Regular employee, or self-employed with business running 2+ years
Rewards
1 Membership Rewards point per ₱45. Airline transfers (3 points = 1 mile) need the Frequent Travel Option at ₱800 a year; otherwise points go to gift certificates. Bills paid by Auto Charge or Charge on Demand earn no points.
- Type
- Points
- Points expiry
- none
- Airline partners
- PAL Mabuhay Miles, Cathay Asia Miles, Singapore KrisFlyer, Delta SkyMiles, Thai Royal Orchid Plus, Malaysia Airlines Enrich
Travel perks
- International lounge visits
- None
- Local lounge
- None
- Travel insurance
- None
Strengths
- Monthly fee waived in any month with ₱15,000 spend
- Points don't expire; 6 airline partners
Watch out for
- Amex is accepted at fewer merchants
Live and upcoming promos (26)
As of Nov 11, 2026. Check each promo's source before you rely on it.
- BDOEnds Dec 31, 2026BDO Amex cards
- BDOEnds Nov 12, 2026All BDO credit cards
- BDOEnds Nov 20, 2026Mon to FriAll BDO credit cards
- BDOEnds Nov 20, 2026Mon to FriAll BDO credit cards
- BDOEnds Dec 31, 2026All BDO credit cards
Show 21 more
- BDOEnds Jun 30, 2027All BDO credit cards
- BDOEnds Dec 31, 2026All BDO credit cards
- BDOEnds Dec 31, 2026All BDO credit cards
- BDO American Express Buy Now Pay Later: 0% up to 24 months, or 1% monthly add-on up to 36 monthsScore 75BDOEnds Dec 31, 2026BDO Amex cards
- P500 cashback per P5,000 Buy Now Pay Later receipt at SM Store, up to P3,000, with BDO credit cardsScore 74BDOEnds Nov 14, 2026All BDO credit cards
- BDOEnds Feb 28, 2027All BDO credit cards
- BDOEnds Dec 31, 2026All BDO credit cards
- BDOEnds Dec 31, 2026All BDO credit cards
- BDOEnds Dec 31, 2026All BDO credit cards
- BDOEnds Dec 31, 2026All BDO credit cards
- BDOEnds Nov 12, 2026All BDO credit cards
- BDOEnds Dec 31, 2026All BDO credit cards
- BDOEnds Dec 31, 2026All BDO credit cards
- BDOEnds Nov 15, 2026All BDO credit cards
- BDOEnds Jan 31, 2027All BDO credit cards
- BDOEnds Dec 31, 2026All BDO credit cards
- BDOEnds Dec 31, 2026All BDO credit cards
- BDOEnds Dec 31, 2026All BDO credit cards
- BDOEnds Jan 31, 2027All BDO credit cards
- BDOEnds Dec 31, 2026All BDO credit cards
- BDOEnds Dec 31, 2026All BDO credit cards
What cardholders say (0)
Individual accounts, read by us before they appear but not checked with the bank. They never change this card's score.
No cardholder posts yet.