Amex Platinum
Platinum
BDO · Amex · Platinum
Amex Platinum
Why pick it: Unlimited lounge access and ₱20M family insurance
Amex platinum credit card: 1 Membership Rewards point per ₱45, 2:1 to six airlines; unlimited Marhaba lounge, ₱20M insurance; fee waived at ₱600k spend.
- Score
- 52 /100
- Rank
- #17 of 123
- Annual fee
- ₱5,000
Maraming perks, pero mahina ang earn: 1 point per ₱45.
Bottom line: Bumibiyahe ka ba, at kaya mo bang abutin ang ₱600,000 a year na spend? Kung oo, fit ang lounge at insurance. Kung rewards lang ang habol mo, ibang card ang bagay.
Read the full take: the math, what's good, what hurts
Para sa typical household (~₱825k a year), nasa ~₱4,000 ang balik plus ~₱1,500 net travel value. Free ang year one. ₱5,000 ang fee, galing sa data, pero auto-waived kapag nag-spend ka ng ₱600,000 a year. #17 ang puwesto nito sa 123 cards, 52 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
- Unlimited free lounge access sa partner airports, per the page. Per BDO's Marhaba terms, covered din ang NAIA T1 at Clark T2; Cardmember only, at eligible din ang supplementary card.
- Family travel insurance up to ₱20M.
- 1.85% lang ang foreign fee.
- May 24/7 concierge, pero may end date ito.
What's bad
- Mahina ang earn: 2 points ang kailangan para sa 1 mile, galing sa data.
- ₱93,000 a month ang minimum gross fixed income, at mandatory ang ITR.
- Hindi lahat ng store tumatanggap ng Amex, galing sa data.
- Per the Membership Rewards T&C, walang points ang Auto Charge bills.
The catch: Wala sa BDO page ang annual fee, kaya galing sa data lang ang ₱5,000. Sabi ng page, hanggang November 30, 2026 lang ang concierge. Para sa miles conversion ang ~₱4,000.
Rechecked on the bank page on 2026-10-28. Not on the page: annual fee; points to miles ratio (2 points per mile is from our earn rules); transfer fee. 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 ₱5,500 in rewards (₱4,000) and travel value (₱1,500), before the ₱5,000 annual fee (waived automatically at ₱600,000 yearly spend)
- To qualify:
- ₱1,116,000 a year income; Regular employee, or self-employed with business running 2+ years
- Bank service:
- Worse than typical.
First year
- Welcome offer:
- ₱8,000 welcome cashback on a new Elite card approved Sep 1, 2026 to Jan 31, 2027: activate and spend ₱80,000 within the spend period (offer sent by SMS/email) (ends Jan 31, 2027)
- Annual fee:
- Annual fee free in the first year.
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
#17 of 123 cards open to new applicants, and #23 of all 170 scored cards once invite-only, closed and limited-eligibility cards are counted too.
- Yearly value22 / 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 spend9 / 37
About ₱4,000 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 ₱5,000 fee is waived automatically at ₱600,000 of yearly spend, which the typical household reaches. How the bars work
- Travel and perks on the default spend3 / 10
About ₱1,500 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. 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 ₱4,000 a year in rewards and ₱1,500 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
- ₱5,000
- Supplementary fee
- ₱0
- Fee waiver
- Waived automatically at ₱600,000 yearly spend
- Foreign transaction fee
- 1.85%
- Minimum income
- ₱1,116,000 a year
- Also needs
- Regular employee, or self-employed with business running 2+ years
Rewards
1 Membership Rewards point per ₱45, and 2 points = 1 airline mile with the free Frequent Travel Option. Gift vouchers are another option. 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
- unlimited
- Travel insurance
- Up to ₱20,000,000, covers family
Strengths
- Fee auto-waived at ₱600,000 yearly spend
- Low FX fee (1.85%)
- Unlimited local lounge access
- Travel insurance up to ₱20M covering family
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.