The Platinum from Amex
Platinum
BDO · Amex · Platinum
The Platinum from Amex
Why pick it: Unlimited access to over 1,300 lounges worldwide
Invite-only USD Amex charge card: unlimited Global Lounge Collection access plus a guest, 1 point per US$1, 1:1 to five airlines; US$750 fee.
- Score
- 30 /100
- Status
- By invitation
- Annual fee
- ₱47,595
Thin data: the bank does not publish the income requirement. Check with the bank before you apply.
Invite-only ang Amex na ito, ayon sa page. Sulit lang kung gagamitin mo ang lounges at concierge.
Bottom line: Kung may invitation ka at madalas kang lumipad, may halaga ang lounges at insurance. Kung hindi, mas sulit ang card na mas mababa ang fee.
Read the full take: the math, what's good, what hurts
Invited ka ba? Ang typical household (~₱825k a year) ay may ~-₱4,500 na balik, negative dahil naka-bill sa US dollars ang card. ~₱4,000 ang net travel value. Ang annual fee ay ₱47,595, galing sa data. May option kang hilingin sa bank na i-waive ito; sila ang may huling salita.
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
- Unlimited lounge access sa mahigit 1,300 airport lounges worldwide, plus 1 guest sa Marhaba, per BDO Marhaba T&C.
- Up to US$2M ang family travel insurance.
- May Platinum Concierge service, at walang pre-set spending limit, per the page.
- Walang expiry ang points at 6 ang airline partners, galing sa data.
What's bad
- Mataas ang annual fee kung hindi mo gagamitin ang lounges at insurance.
- 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 mahina ang earn. Hindi lahat ng store tumatanggap ng Amex, galing sa data.
- Per the Membership Rewards T&C, hindi sakop ng points ang Auto Charge at Charge on Demand bills.
The catch: Ang annual fee ay hindi nakasulat sa BDO page, kaya mag-confirm sa bank ang eksaktong amount. Nag-iiba ang travel value depende sa dalas ng lipad mo at gamit ng lounges.
Rechecked on the bank page on 2026-10-28. Not on the page: annual fee; points to miles transfer ratio; income requirement. 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 −₱500 in rewards (−₱4,500) and travel value (₱4,000), before the ₱47,595 annual fee (rarely waived at this fee level)
- To qualify:
- By invitation; By invitation only (stated on BDO card page) (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 ₱47,595 fee that banks rarely waive at this level. How the bars work
- Travel and perks on the default spend6 / 10
About ₱4,000 of travel value on one trip abroad a year, after the 1.85% foreign fee. It includes lounge visits (each person in a household of three who gets in counts) and 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 flexibility9 / 10
6 airline partners, and points that do not expire. How it is scored
- Credit limit and upgrade path3 / 5
Platinum 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 −₱4,500 a year in rewards and ₱4,000 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
- ₱47,595
- Supplementary fee
- ₱0
- Fee waiver
- Rarely waived at this fee level
- Foreign transaction fee
- 1.85% (billed in USD)
- Minimum income
- By invitation
- Also needs
- By invitation only (stated on BDO card page)
Rewards
A USD-billed charge card. 1 Membership Rewards point per USD 1, moved 1:1 to Asia Miles, KrisFlyer, Delta, Royal Orchid Plus and Enrich (2:1 to PAL), with the free Frequent Travel Option. Bills paid by Auto Charge or Charge on Demand earn no points.
- Type
- Points
- Points expiry
- none
- Airline partners
- Cathay Asia Miles, Singapore KrisFlyer, Delta SkyMiles, Thai Royal Orchid Plus, Malaysia Airlines Enrich, PAL Mabuhay Miles
Travel perks
- International lounge visits
- 99 a year
- Local lounge
- unlimited
- Travel insurance
- Up to ₱126,920,000, covers family
Strengths
- Unlimited international lounge visits
- Unlimited local lounge access
- Travel insurance up to ₱127M covering family
- Points don't expire; 6 airline partners
Watch out for
- Billed in US dollars, so peso spend pays the FX fee
- ₱47,595 annual fee; a waiver is not guaranteed
- 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.