Amex Gold
Gold
BDO · Amex · Gold
Amex Gold
Why pick it: No pre-set limit and ₱20M family insurance
USD-billed Amex charge card with no preset limit: 1 Membership Rewards point per US$1, 2:1 airline transfers with US$20 FTO; US$150 fee.
- Score
- 27 /100
- Status
- By invitation
- Annual fee
- ₱9,519
Thin data: some figures on this card are less certain than usual; the bank does not publish the income requirement. Check with the bank before you apply.
US dollar charge card na walang pre-set limit, per the page. Invite-only ito, ayon sa data.
Bottom line: Mag-confirm muna sa bank: ang fee, kung paano mag-apply, at kung kaya mong bayaran nang buo kada buwan.
Read the full take: the math, what's good, what hurts
Kung ma-invite ka, ang typical household (~₱825k a year) ay may ~-₱7,500 na balik, negative sa computation namin kasi may foreign fee. ~-₱1,000 ang net travel value, negative rin.
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
- Up to ₱20M ang family travel insurance, per the page.
- Walang expiry ang points at 6 ang airline partners, galing sa data.
What's bad
- Naka-bill sa US dollars, kaya may reduced foreign exchange conversion fee na 1.85% ang peso spend, per the page.
- 1 Membership Rewards point per US$1 lang, kaya manipis ang earn.
- Hindi lahat ng store tumatanggap ng Amex, ayon sa data.
- Hindi nabibigyan ng points ang Auto Charge at Charge on Demand bills, per the Membership Rewards T&C.
The catch: Walang Apply button at walang 'by invitation' wording sa BDO page. Hindi rin sinasabi ng page kung magkano ang annual fee, kaya ang ₱9,519 ay galing sa data, pati ang 'pay in full'. Manipis ang source namin dito, kaya mag-confirm ka sa bank.
Rechecked on the bank page on 2026-10-24. Not on the page: annual fee; how to apply or invitation terms; airline transfer terms; pay-in-full rule (from our earn rules). 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 −₱8,500 in rewards (−₱7,500) and travel value (−₱1,000), before the ₱9,519 annual fee (on request; the bank decides)
- To qualify:
- By invitation; No public application channel; treated as invite-only (unconfirmed) (by invitation)
- Bank service:
- Worse than typical.
Score breakdown, fees, rewards and perks
Score breakdown
- Yearly value0 / 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 spend0 / 37
No rewards on the typical household's spend after the foreign fee on foreign online spend. How the bars work
- Annual fee after waivers0 / 16
A ₱9,519 fee that the bank may waive on request. How the bars work
- Travel and perks on the default spend1 / 10
About −₱1,000 of travel value on one trip abroad a year, after the 1.85% foreign fee. It includes travel insurance, though insurance counts only a little toward this figure and the score. The card bills in US dollars, so the foreign fee also hits peso spend. 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
Gold 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 −₱7,500 a year in rewards and −₱1,000 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
- ₱9,519
- Supplementary fee
- ₱4,760
- Fee waiver
- On request; the bank decides
- Foreign transaction fee
- 1.85% (billed in USD)
- Minimum income
- By invitation
- Also needs
- No public application channel; treated as invite-only (unconfirmed)
Rewards
A USD-billed charge card with no pre-set limit, paid in full. 1 Membership Rewards point per USD 1, and 2 points = 1 airline mile. Airline transfers need the Frequent Travel Option at USD 20 a year. 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
- Up to ₱20,000,000, covers family
Strengths
- Travel insurance up to ₱20M covering family
- Points don't expire; 6 airline partners
Watch out for
- Billed in US dollars, so peso spend pays the FX fee
- Amex is accepted at fewer merchants
- Some details could not be verified
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.