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BDO Banco De Oro • Credit Cards 💳 • S5 | FAQs pp.1-5

Strong7PowerStrong7Power Member PEx Moderator
edited February 24 in Banking and Finance #1
Maligayang Pagdating sa Ikalimang Sinulid ng mga Talakayan ng BANCO DE ORO (BDO) BANK-CARDS.

Huwag tayo matali sa 30% credit utilization as long as may pambayad talaga tayo at hindi idinadaan lagi sa Cash Loan Installments at Balance Transfers.

Sa huli, at sa paglipas ng panahon, nakikita naman ng bangko kung kulang talaga ang CL natin.




  • Strong7PowerStrong7Power Member PEx Moderator
    edited August 2019 #2

    *Banco De Oro*




    *AmExCo and Diners*



    Ad or pop up blocker. But if you are using Android device, try the Brave browser. Ito gamit ko ngayon sa pag-browse ng mobile version ng PEX and almost walang ads. Sobrang layo when I view it sa desktop na nakakagulat sa sobrang dami ng ads.


    KRIS TI₱S: How To Maximize Your Credit Card | Kris Aquino | The Aquinos

    >BDO Cathay Pacific American Express Card
    >She also owns ShopMore and World Elite MasterCards issued by BDO.

    Conversation between BDO Consumer Lending Group and Ms. Kris Aquino:

    K: When you established a good relationship with your client, the client wont switch.

    BDO: That's why we have lots of BDO Deals. We want to make sure that they're able to get the most out of their BDO credit cards.
    KRIS: That credit card requires you to be very responsible.
    B: Yes. 
    K: Oo.
    B: Hindi lang swipe nang swipe.
    K: Also aralin maigi, bacause ngayon na may [mobile] app na, take advantage. This is where I really experience the best service and best rewards. And I think the best reach. Ýung talagang all my needs have been covered because of my BDO credit cards. You won me over because of the credit cards. So now you're going to win me over because pati payroll ililipat na rito. And also the long term wealth  investment and trust of my children. It's also here but I think also pati ang day-to-day expenses, and also the utility expenses. BDO na rin ang mag-aasikaso para sa akin. So because you really prove to me that you find ways in so many ways. Actually innumerable ways. Feeling ko dati knowledgeable na ako; kulang na kulang pa pala ang alam ko. So thank you BDO for teaching me so much and I hope in my journey of learning. I hope all of you also learned a lot. And I hope that you will all use this knowledge to continue to grow richer because dapat ganoon ito. 

    I always say na we have to create that circle of wealth and that circle of presperity, because hindi pweede ang isa lang ang umangat. Dapat lahat tayong mga Pilipino aangat. Thank You.

    B: Thank You so much Kris, you know your credit card very well. You've been able to share a lot with our cardholders. Thank you and I'm happy that you're happy with your BDO credit cards.

    K: Yes. I am.



    Huwag tayo matali sa 30% credit utilization as long as may pambayad talaga tayo at hindi idinadaan lagi sa Cash Loan Installments at Balance Transfers.

    Sa huli, at sa paglipas ng panahon, nakikita naman ng bangko kung kulang talaga ang CL natin.

    NAPAKA-CONSCIOUS NG KARAMIHAN. Hindi pa natin napapantayan ang kaparaanan ng Estados Unidos. Huwag muna ihalintulad sa 'Pinas. Oo, may CIC, TU, at iba pang credit agencies/unions na tayo, pero hindi pa tayo katulad ng Estados Unidos. Maybe sa mga susunod na panahon, pero ngayon, huwag muna nating isipin ito lalo sa may maliliit na CL at kailangan ang malaking paggamit. Saka, CASH COUNTRY pa rin ang Pilipinas. Mas nakararami pa ang gumagamit ng cash sa ating bansa.
  • Strong7PowerStrong7Power Member PEx Moderator
    edited October 2019 #3
    >Starting October 6, 2019, you can reach BDO Customer Care, your BDO branch, or the BDO office you need in Metro Manila by simply adding 8 for PLDT and 7 for Globe to the old landline number.

    Website: bdo.com.ph/
    Online Banking website: https://online.bdo.com.ph/
    Other Email Addresses: [email protected], where xxxx is either the name of the unit or the name of the bank personnel sending the email.

    24-Hour Customer Service Hotline
    Landline: (+632) 8631-8000

    C.S. Domestic Toll Free Hotline
    1800-10-631-8000 [PLDT]
    1800-8-631-8000 [Globe/Touch Mobile/Cherry]
    1800-5-631-8000 [Bayan]
    1800-3-631-8000 [Digitel]

    C.S. International Toll-Free

    Corporate Cards

    American Express Philippines
    Blue, Green, Gold, Cashback, Dual Gold: (+632) 86318000
    IDC Green, Gold, Plat Credit, CX Credit: (+632) *81417 [*defunct]
    The Platinum Card: +6328840-7800 | +63288407000*
    Concierge: (+632) 8407800; 6878503
    Global Assist: (+632) 86878503
    Cathay Pacific: (+632) 88144777
    GCash AMEX Virtual Pay: 2882, [email protected]

    Diners Club International Philippines
    Customer Hotline: (+632) 86318000
    DCI Web Worldwide: https://www.dinersclub.com
    Lounges: www.dinersclublounges.com
    Privileges: www.DinersClubPrivileges.com

    Concierge/Elite Services
    CUP Global Assist: (632) 687 8305 to 8577
    JCB Help Desk Concierge: www.global.jcb/en/consumers/platinum
    JCB Help Desk Concierge (Japan): 81-3-5778-8376
    JCB Help Desk Concierge (Outside Japan): 03-5778-8376;
    MasterCard Moments Concierge: www.mastercardmoments.com
    MasterCard Moments Concierge (PH): +65-6322-2529
    MasterCard Moments Concierge (U.S.): 1-800-307-7309
    MasterCard Moments Concierge (Outside U.S.): 1-636-722-711
    Visa Access Concierge (PH): 1-800-1441-0014 or 1800 8908 6598
    Visa Access Concierge (International): 1-773-360-5319
    World Elite™ MasterCard® Lifestyle Assistance: (632) 8840-7777; (IAC) + 800-8-8407777

    Consumer Lending Group / Marketing
    Card Sales: (+632) 86881200, 86881288 loc 44402
    Telemarketing: (+632)8667-1680 | (+632) 86881200 loc 44642
    Tele-Installment Card: +6328688-1212
    *Balance Transfer, Cash Installments: (+632) 6671680*, 6881200 locals 44611, 44645 or 44649*

    Merchant Hotline
    (+632) 87026900* | +6328702-6900 | +6327909-6900

    Fraud Management Unit
    (+632) 87026888

    Card Delivery Concerns
    (+632) 86881222 from 8:30am to 7:00pm

    Social Media Hashtags



    Note: Please use a landline when calling our Toll Free numbers to avoid incurring telephone charges (except Globe Telecom).

  • Strong7PowerStrong7Power Member PEx Moderator
    edited February 25 #4
    1938 Philippine Commercial Industrial Bank (PCIB) established
    1950 Equitable Banking Corporation (EBC) established
    1968 Acme Savings Bank (later renamed as Banco De Oro) established
    1976 Banco de Oro Savings and Mortgage Bank formed after SM group bought ASB
    1981 Philippine Commercial Credit Card, Inc. (renamed Bankard, Inc. in 1992) formed
    1989 Equitable Card Network (ECN) formed
    1995 Equitable Banking Corporation-Philippine Commercial Industrial/International Bank (EPCIB) merger
    2000 PCIB's Bankard was acquired by RCBC
    2000 Bankard-RCBC Card ("RCBC Bankard") merger
    2005-2007 Banco De Oro-EPCIB merger
    2008 BDO Unibank, Inc.
    2008 Equicom Savings Bank established

    Kine-claim ng Equicom Savings Bank na sila ang pioneer sa credit card ay dahil sa Equitable Bank at Equitable Card Network dahil ang may-ari ng Equicom ay dating nagmamay-ari ng ESB at ECN bago nito naibenta sa BDO.
    Banco De Oro Universal Bank, Inc., through its consumer credit division Consumer Lending Group, is the largest Card Issuer and Merchant Acquirer in the Philippines issuing all existing card brands - MC, Visa, AXP, JCB, CUP, and DCI.

    Equitable Banking Corporation (EBC) received its foreign currency license from the BSP in 1977 and issued its first credit cards under the Visa brand in 1980.

    In 1989, Equitable Bank turned its credit card department into a wholly owned subsidiary, Equitable Card Network (ECN, stylized as Equitable CardNetwork). It was the Philippines' leading credit card company and also had the distinction of being the only card issuer which carried the four major global credit card brands at that time - VISA, MasterCard, American Express, and Japan Credit Bureau.

    Its former bank competitor, PCIBank organized Philippine Commercial Credit Card, Inc. (PCCCI) in 1981 and was later renamed as Bankard, Inc. in 1992. PCCCI's affiliation with PCIBank gave it the distinction of being the first credit card in the Philippines issued by a commercial bank.

    In ATM/POS switch operator, EBC/ECN, with three other banks, formed MegaLink in 1989, then the Philippines' largest ATM network. Meanwhile, PCIBank formed BancNet along with seven other banks in 1990.

    In 1995, when Equitable Bank took over Philippine Commercial Industrial/International Bank, the new Equitable PCI Bank (EPCI Bank) chose to keep Equitable Bank's credit card arm, Equitable CardNetwork, rather than to incorporate Bankard, Inc. into ECN's operations. Bankard was then sold in May 2000 to Yuchengco Group of Companies - best known as the owner of the Rizal Commercial Banking Corporation or RCBC.

    Also note in March 1995, Bankard, Inc. became the first credit card company to offer both dollar (PCIBank MasterCard) and peso (Bankard MasterCard) payment billing options

    In 2002, Banco de Oro Universal Bank first decided to launch a credit card and MasterCard was the first card brand to carry.

    In 2004, AMEX tied-up with ECN to introduce The EPCI American Express Gold Credit Card.

    From 2005 to 2007, BDO strategized in buying Equitable PCI Bank, Inc. including its subsidiary Equitable CardNetwork. Then, in 2006, the entity was known for a while as Banco de Oro-EPCI, Inc, and the following year, it was changed to its current name, Banco de Oro Unibank, Inc. or BDO Unibank, Inc. After the completion of the purchase to BDO, the Equitable CardNetwork and Equitable Bank founder established a thrift bank known as Equicom Savings Bank in 2008.

    When BDO took over EPCI, it assumed the operation and issuance of The EPCI American Express Credit Card and The EPCI American Express Gold Credit Card. By December 2007, BDO also became the Issuer of all American Express Cards (Credit, Charge, Corporate) in the Philippines issued out by American Express International, Inc. (AEII) and American Express Savings Bank (A Savings Bank), Inc. (AESBI). Since then, BDO has continued to enhance these products and develop new ones to satisfy customer requirements.

    In 2010, then-Philippines largest lender by assets, Banco de Oro, has partnered with the biggest credit card company in China, China UnionPay or CUP.

    In 2012, 2013, and 2015, the Unibank launched BDO Dual Gold Cards (American Express + MasterCard), Blue from American Express and The American Express Cashback Credit Card respectively.

    In 2014, BDO introduced BDO World Elite Card, a by-invitation card.

    In 2016, BDO added Diners Club to card portfolio after it has accepted the offer of the SB Cards Corporation (SB Cards), which is a subsidiary of Security Bank Corp., to sell its rights as the exclusive issuer and acquirer of Diners Club International (DCI) cards in the country, as well as its cardholder base.

    In 2017, BDO started issuing BDO JCB Platinum.

    Today, BANCO DE ORO UNIBANK, INC. is The Philippine Islands' largest card issuer and merchant acquirer (in terms of card brands and card circulation, and cardholders base) in the industry with unparalleled experience and service. It is also the ONLY bank in the Philippines that lets you accept ALL ATM DEBIT/PREPAID CARDS of BANCNET (even EXPRESSNET, VISA ELECTRON, VISA PLUS, MASTERCARD CIRRUS, MASTERCARD MAESTRO, DISCOVER PULSE) and all major credit card brands - MASTERCARD, VISA, AMERICAN EXPRESS, JAPAN CREDIT BUREAU, CHINA UNION PAY, DINERS CLUB INTERNATIONAL and DISCOVER. 
    ***Equitable Bank was the first to issue Visa, and Visa Electron; and became the largest Visa credit and debit card issuer in the country. Bankard, Inc. was the first to issue MasterCard, JCB, and CUP. AMEX Philippines was the first to issue AMEX. Security Bank and Trust Company was the first to issue Diners Club International.

    ***In ATM Alliance, ExpressNet was once the BDO ATM Network. BancNet was once the PCI Bank Network. And MegaLink was once the Equitable Bank ATM Network. In 2015, BancNet and MegaLink merged and the BancNet was the surviving brand.
  • Strong7PowerStrong7Power Member PEx Moderator
    edited August 2018 #5
    Introducing BDO Basic Credit Cards
    Cardmembers with Gross Annual Income of PHP180,000 and above.

    -MasterCard: ShopMore, Standard, Forever 21, Bench, Simple Installment Card
    -Visa: Classic
    -AmExCo: Blue
    -DCI: International
    -JCB: Lucky Cat, also including 4Gives

  • Strong7PowerStrong7Power Member PEx Moderator
    edited August 2018 #6
    Introducing BDO Premium Credit Cards
    Cardmembers with Gross Annual Income of PHP420,000 and above.

    -MasterCard: Gold
    -Visa: Gold
    -AmExCo: Centurion Green, Centurion Gold, Cashback, Cathay Pacific Standard, also including Dual Golds
    -JCB: Gold (known as "Premiere")
    -CUP: Gold

  • Strong7PowerStrong7Power Member PEx Moderator
    edited August 2018 #7
    Introducing BDO Elite Credit Cards
    Cardmembers with Gross Annual Income of PHP1,000,000 and above.

    -MasterCard: Titanium, Platinum, also including World Elite
    -Visa: Platinum
    -JCB: Platinum
    -AmExCo: Centurion Platinum, Cathay Pacific Elite
    -CUP: Diamond
    -DCI: Premiere

  • Strong7PowerStrong7Power Member PEx Moderator
    Introducing BDO Rewards Card

    BDO's Loyalty Program. Emerald. Sapphire. Diamond.
  • Strong7PowerStrong7Power Member PEx Moderator

    -Forever 21
    -Simple Installment Card
    -World Elite
    -ATM Debit Card
    -ATM Cash Card
    -Corporate Card
    -Distribution Card
    -Proprietary Card

    -ATM Debit
    -Travel Card
    -Corporate Card
    -Distribution Card
    -Proprietary Card

    -Lucky Cat ("Standard")
    -Gold ("Premiere")

    -The American Express® Card (”IDC Green”)
    -The American Express® Gold Card (”IDC Gold”)
    -The American ExpressÂŽ Corporate Card
    -The American ExpressŽ Gold Corporate Card 
    -The Platinum Express®  (”IDC Platinum”)
    -Blue from American Express® (”Blue”)
    -The American Express® Credit Card (”Centurion Green”)
    -The American Express® Gold Credit Card (”Centurion Gold”)
    -The American Express® Platinum Credit Card (”Centurion Platinum”/”Platinum”)
    -The American ExpressÂŽ Cashback Credit Card ("Cashback")
    -BDO Dual Gold American Express® Card (”Dual Gold AMEX”)
    -The Cathay Pacific American Express® Credit Card (”CX”)
    -The Cathay Pacific American Express® Elite Credit Card (”CX Elite”)


    -Diners Club International® Card ("Classic" / "Standard”)
    -Diners Club InternationalÂŽ Premiere Card ("Elite")
    -Diners Club InternationalÂŽ Corporate Card

    -BDO MasterCard (SMAC)*
    -BDO MasterCard Prestige (SMAC)*
  • Strong7PowerStrong7Power Member PEx Moderator
    edited August 2018 #10


    Card Application

    - Paano didiskartehan ang BDO Cards / BDO Consumer Lending Group?

    -What are the steps in New Card Application?

    -How Loan Products Be Approved?

    -How can I find out the status of my application?

    -Is it easy to get approval on each AMEX new card applications?

    -What is Brand Endorsement? How?



    -What do I need to know more about BDO Cards?

    -What financial privileges can BDO can offer to its cardmembers?

    -What are the Official Names and the Card Issuer's Nicknames for BDO Cards?

    -What's the Pinoy version of AMEX Companion Cards?

    -Comparison: Old and New AXP Platinum Credit Card?

    -What is Card Security Code?

    -Is there a high chance of approval if I use AMEX card as reference in applying a new card from other Issuer?

    -Are AMEX and DCI card points eligible for BDO Rewards Card points conversion?

    -Why AMEX Cards cannot consider BDO Credit Cards (technically)?

    -What are the known features of AMEX card?

    -How high the acceptance of AMEX and DCI cards?

    -What are options in changing my card type?

    -Will my points forfeit when ask for change of card type?

    - What is The American Express International Currency Cards?

    -What is BDO Virtual Card?



    -What do I do if I did not receive my Monthly Billing Statement?

    -What's the Difference between Charge on Demand and Auto-Charge Facility?

    -What are the payment channels in paying BDO Cards?


    Credit Limit

    -What is the starting Credit Limit of each BDO cards?

    -What is the spend requirement for automatic membership fee waiver?

    -What are the credit limit options in BDO Cards?

    -Share your ICL strategies.

    -How to determine if my cards are under SCCL or not?

    -Is 6-month-waiting rule stricty implemented?

    Fraud Management

    -What to do when you become a victim of fraud schemes?

    -How can I avoid being a victim of Social Networking Scams?


    Elite Cards

    Is BDO/AMEX PH strictly issues Elite Card?

    Why AMEX is different? Why AMEX is prestigious?



    Additional Content: SPECIAL

    -Hot Issue: AMF

    - Is Banco De Oro stricter in reversing /waiving membership fees?

    -Travel Cards Rewards

    -And many, many more!

    ++ + ++

    For other FAQs that are AMEX and DCI-centric:
    SEE: https://www.pinoyexchange.com/discussion/944435/amexco-axp-and-diners-club-dci-cardmembers-thread-iii-read-faqs-pages-1-3-before-asking/p1
  • Strong7PowerStrong7Power Member PEx Moderator

    Paano didiskartehan ang BDO Cards / BDO Consumer Lending Group?

    Mga Aral at Diskarte sa BDO/AMEX/DCI Credit Cards
    Ni Strong7Power

    -SA MADALING PARAAN. Kung gusto magka-credit card: mag-impok. Bigyan ng sapat na panahon (sabihin nating 3-6 mga buwan o depende sa sangay) at magpaendorso sa sangay (BOA) ng iyong savings and checking account (CASA). Maliban na lang kung milyun-miyon ang ilalagak mo o may malaking Ugnayang Buong Balanse (TRB) ka sa Banco De Oro.

    -PAGTAGUYOD NG MAGANDANG UGNAYAN. Gumawa ng mga hakbangin para mapalago ang ugnayang pagbabangko sa iyong sangay. Maganda sana kung lagi ka nakikita ng mga bangkero lalo na ang Tagapamahala ng Sangay (BM) at maging ang katuwang nito (ABM). Huwag puro OTC ang gawin sa bangko; kundi magkipagkuwentuhan sa mga bangkero sa anupamang paksa; at maging sa iba pang tagabangko tulad ng gwardya at utusan. 

    -PAMIMILI NG SANGAY. Kung mamarapatin, mainam magbukas ng CASA sa sangay na may kategoryang “mall branch” (halimbawa, mga sangay na nasa SM Supermall, SM Savemore, SM HyperMarket, Waltermart, Fishermall, Citimall, SM Cherry Foodarama, SM Residences, Ayala Malls, Robinsons Places) kasi may “salik na X”  ang mga ganitong sangay ng BDO. Kumbaga, “may sabi” ang mga ganitong sangay. MAY MALALAKAS AT MAY MAHIHINANG SANGAY.

    -SA SANGAY KA MUNA MAGTANONG. Kung naiiinip sa kahinatnan ng pag-eendorso, unang makipag-ugnayan sa iyong sangay bago sa linya ng  Parokya (C.S.).

    -MAGPAKUMBABA KA MUNA. Kung unang credit card ang a-apply-an sa BDO, huwag muna pangarapin ang AMEX sa simula dahil mahirap mapasakamay o ma-approve kahit AMEX Blue. Piliin ang ShopMore MC o anupamang “basic cards.” Saka na ang AMEX kapag malaki na ang CL mo o kung pangalawang card application mo na. 

    - HINAY-HINAY SA PAGTAWAG. Ang labis na pakikipag-ugnayan ay hindi rin mabuti; kasi, sa paningin ng bangko, lumalabas na ikaw ay atat o desperado sa pangungutang (kahit hindi naman talaga). 

    -PANUNTUNAN KASI PINAIIRAL NG MGA AHENTE NG SERBISYO PAROKYA. SA ATIN, DISKARTE. Hindi totoo ang panuntunang änim na buwan na paghihintay sa mga hinihiling natin tulad ng credit card application at pagtaas ng linya sa pautang (ICL).

    -REPERENSIYA. Ang gustong reperensiyang card ng BDO ay MCC/Metrobank, BPI, Citi, at HSBC. Sa ngayon, mas may dating ang Metrobank kaysa BPI. Gayunpaman, may naa-approve pa rin kahit wala sa apat na bangkong ito.

    -HINGI NG TULONG SA BISOR. Para mapabilis ang hinihiling na serbisyo, kumausap ng pinuno sa paglilingkod sa parokyano , na tinatawag din itong “Supervisor Call o SupCall.”

    -DISIPLINADO KA DAPAT! Maging responsable o managot sa paggamit ng credit cards. Kung maaari, maging “transactor” o taong palagiang magbayad ng buo kaysa “revolver” o taong nagbabayad lang ng minimum o higit pa.

    -DAGDAG-TIPS: Sang-ayon sa tagaloob (pero hindi kumpirmado), ang paghiling na taasan ang linya sa pautang (ICL) ay ipinagkakaloob kahit wala pang 6 buwan ang edad ng card, e basta kadalasang nagagamit sa maraming uri ng paggastos, halimbawa ng utilidad, pagkain, gamit elektroniko, gasolina, at pagbiyahe. Alinsunod pa, ang may-ari ng card ay inuusisa sa ugali ng paggamit at kung naipapakita na ang BDO card ay pangunahing card sa lahat ng Tagapag-isyu ng “salaping supot.”. Samahan pa nito ng laging pagbabayad ng buo na nasa tamang oras, nang sa gayon ay mapagbigyan ka sa hinihiling mong ICL. Pero huwag umasa ng malaking CL. Pero may iba namang napagbibigyan na kasingtaas ng kwitis pamhimpapawid.

    -PAGKUSA NG TAGAPAG-ISYU. Mas bongga ang ICL kapag bangko mismo ang nagbigay at hindi mo hiniling.

    -ANG PAGHIHINTAY AY BIRTUD. Huwag mainip kung mababa pa ang CL mo ngayon. Kasi tataas naman iyan kalaunan. Kailangan talaga ng tiyaga sa paghihintay at panday ng panahon. Basta ba pagandahin ang kasaysayan ng utang at repustasyon mo o ang pangalan mo (credit history and credit worthiness). [Ako nga, tatlong taon bago makakuha ng unang ICL. Sa iba, wala pang isang taon, may ICL na!). KAILANGAN AY DISIPLINA.

    -BASA, BASA DIN. Panghuli, sumubaybay sa PINOY EXCHANGE DOT COM, sa pangkat ng Credit Cards sa ilalim ng Personal Investing and Money Management sa mga bagong balita para sa diskarte. Balikan ang mga unang paskil (backread). Huwag puro tanong e.

    Pahabol: Para maging klaro, uminom ng SPRITE. Para klaro ang diskarte. Haha.

    Pahabol pa ulit: Ang pananaw at kuro-kuro na naipahayag ng tagapaskil ay di nangangahulugang kalagayan o nanalamin ng mga ibang tagapaskil. Gayundin, ang pananaw at kuro-kuro na naipapahayag ng iba pang tagapaskil ay di sumasalamin sa wari ng tagapaskil, ng Pinoy Echange Dot Com, at ng mga Tagapag-Isyu ng instrumentong pananalapi.

    Pahabol ulit! Pangako, panghuli na ‘to: Karamihan ng mga impormasyong aking pinagtagpi-tagpi rito ay natutunan ko rin sa PEX.
  • Strong7PowerStrong7Power Member PEx Moderator
    What are the steps in New Card Application?


    APPLICATION PROCESS. Get and fill up application form. Maybe done via any branch of BDO or The SM Store, website/online, or marketing agents (usually located in major malls).

    VERIFCATION PHASE. The information contained on the application is being verified. The Card Issuer will call you. During verification call, the information you provided in the application should match the answers to what Bank Officer will ask you.

    The Card Issuer need at least one contact number to verify you are reachable. Mobile number is as important as home and office landline phone number. Application with postpaid mobile numbers is priority for processing.

    CREDIT INVESTIGATION PHASE. Applications, documents, debt-to-income ratio, credit history and credit scores are being reviewed. Employments and income are being verified. Your CASA in BDO is being checked also.

    For low risk job title, app is automatically consider.
    For high risk job title, the credit officer will verify everything.

    Applicants with work less than 6-12 months tenure or those with bad or no credit history will be auto-declined. (In this case, branch endorsement option is your last resort).

    For office phone number requirement, this is to verify your employment if you are in a high risk job. (And yes, engineers, architects, BPO employees esp. call center representative, government employees, at mga trabahador na madalas na nasa field work KAHIT sobrang taas pa ang sahod ay nasa high risk category. Credit Officer will call your HR department, as per protocol.

    PHONE RING? Some credit officers are also follow 3 (three)-ring-policy especially if there's high volume of applications (this is mostly for online applications because field agents didn't see you personally). They'll ring you and drop the call if you didn't answer for 3 rings. And, yes they also usually ring you only once per day. Once you didn't answer, you'll be placed on the end of the list and subject to be called again if you are considered a potential customer, but will get declined if not.

    All of the checks and verification will be sent to the credit manager.

    CREDIT EVALUATION PHASE. Once the application and credit scores are reviewed, the credit evaluator assesses your information to see which credit card you qualify for based on the creditor's criteria.

    DECISION/VERDICT PHASE. The phase whether your application is approved or declined. Credit officers eliminates
    the applications with bad review while submit the applications of potential clients as well as their information to the approving credit manager. The Approving Officer will decide for the final verdict of the potential clients ‘applications.

    Common reasons for application denial
    -Bad rating/review on credit score (not good in repayment history, credit utilization ratio, credit mix, the length of credit history and the number of recent credit inquiries, etc.)
    -Use too much of your available credit
    -Recent Inquiries (approvals and denials)
    - Increase debt-to-income ratio
    - Doing follow-ups (it can suggest that you badly need credit or you were declined by several banks before).
    - Declined phone call (miscall) during verification, investigation & evaluation stage.

    Eligibility Criteria
    a. 21-70 years old
    b. Must be a Filipino citizen.
    c. Must be a regular employee or must have an existing business for two years.
    d. Minimum gross income of at least P120,000.
    e. Must have Landline contact number.
    f. Residence or Office address must be within BDO serviceable area.
    g. Must be in good credit standing.

    a) with Existing Card: Photocopy of your latest W2 or BIR Form 2316 or latest ITR, Photocopy of last two (2) month's credit card statement of account, and If TransUnion Bureau subscriber/member, indicate first 6 and last 4 digits of credit card, credit card type and issuer and expiry date, and valid IDs.

    b) Non-carded applicants: Proof of Income (BIR Form 2316, COE, Pay Slip / Photocopy of Registration of Business Name and latest ITR and W4 with BIT/Bank stamp) and Valid IDs.

    Application Process: 15-21 Banking Days from the start of verification and no interruption due to pending/cancellation.
    Card Delivery: Once approved, 10-15 Banking Days for NCR; 20 Banking Days for outside NCR.

    *Application Form is available for download in the BDO website.
    Application: 5 Banking Days from the start of receiving the supplementary application form
    Card Delivery: Once approved, 3-5 Banking Days for NCR; 5-7 Banking Days for province.

    Applications with Incomplete information or requirements will not be processed.

    Reminder: It is easier to get approval if you apply under MasterCard, Visa, JCB, and CUP card brands and it harder for AMEX and DCI applications.
  • Strong7PowerStrong7Power Member PEx Moderator
    edited August 2018 #13
    Excerpts from maikeeeru

    maikeeeru says: One of my colleagues here worked as a credit officer. According to her, the final approval comes from credit managers - credit officers kind of "sort out" the applications and submit the potential clients, as well as their information to the approving credit manager.

    She noted that car and home loans are easier to get approved than cards because they can get something in return once the applicant gets defaulted.

    For cards, they usually check the employment tenure, if you are on a low risk job title they automatically consider, but if you are in a high risk, then they verify everything.

    They also assess your bank accounts with them, and if it is a tough call, check other history with other banks they have access to. They usually auto-decline applicants that work less than 6-12 months, or those with bad credit history.

    All of the checks and verification will be sent to the credit manager.

    Note: these may not apply to all banks - may mga officer na tamad, auto-decline sa kanila pa lang, may officer na lenient, and may mga officer na sobrang mabusisi sa trabaho.

    maikeeeru says: Thanks mga master! Idadagdag ko lang dahil nakalimutan ko, according to my colleague: Credit officers also abide to different contacting policies. They need at least one contact number to verify you are reachable. Mobile number is as important as landline and work office.

    They prioritize postpaid mobile numbers because, yes, they can actually check it on their system (She didn't mention what system but they actually have a database) but prepaid will also do.

    Next is home landline. They can also check this. They also verify using landline. (BDO officers usually calls on landline outside office hours based on my experience).

    Lastly, office phone number. For some banks this is very important - they require this to verify your employment if you are in a high risk job. (And yes, BPO employees are in a high risk category, specially if you are a call center agent). They will call your HR department usually.

    Some of them also follow 3 ring policy especially if there's high volume of applications (this is mostly for online applications because field agents didn't see you personally). They'll ring you and drop the call if you didn't answer for 3 rings.

    And, yes they also usually ring you only once per day. Once you didn't answer, you'll be placed on the end of the list and subject to be called again if you are considered a potential customer, but will get declined if not.

    So there! Siguro based din sa mga info na nalaman ko, guidelines for credit card approval, to summarize:

    *Employment / income matters. And it really matters down to tenure and profile.

    *Bank accounts and relationship. Those with good relationship with their banks have higher chances of approval. (True, dspecially sa BDO - me and my colleague apply to BDO personal loan, SIC. Mas mataas ang gross niya sa akin and 5+ years na siya nagwo-work; ako wala pang 2 years. My advantage is that I have 100,000 deposit sa BDO that time; but siya, wala. In the end I got approved.)

    *Credit history.

    *Communication means.
  • Strong7PowerStrong7Power Member PEx Moderator
    How can I find out the status of my application?
    By using BDO Website Online Service. You can know your application status via Website. However, most apps via Branch Endorsement are not visible in this query.
  • Strong7PowerStrong7Power Member PEx Moderator
    OPINION: Is it easy to get approval on each AMEX/DCI card applications?

    skipperjack: Hi guys. Mas mabilis ba ma-approve sa BDO AMEX as compared sa BDO MC AND VISA? Upon checking the requirements kasi sa website ng BDO, mas less ang sa AMEX. Tulad ng "Must be a regular employee for 1 year." Eh wala sa AMEX Cards pero meron sa MC and VISA cards. I am sure hindi ito error sa pag-encode nila ng data sa website dahil for sure dapat 100 percent accurate ang nakalagay sa website nila. TIA po.

    kwiker03: para sa akin hindi, kasi thrice ako na-decline sa AXP Blue application ko pero nang MC, 1 week lang approved na. kahit kasi you meet all the requirements in the end depende pa din sa evaluation ng credit officer ang application.

    Strong7Power: I guess so. Kung babalikan ang mga talakayan sa una, ikalawa, ikatlo, at ang hinahabing ikaapat na BDO Cards threads at ang una, ikalawa, at hinahabing ikatlong forum thread ng AXP, daming salaysay na mahirap nga lalo kung unang card sa BDO.

    Maging sa mga opinyon at pahayag sa mga blog-site, forum site, at news site sa Estados Unidos, hindi madali ma-approve sa AXP. Kaya ng nawala ang mga tie-up cards sa mga kumpanya o tindahan (kamakailan, ang COTSCO-AMEX Card), maraming Amerikanong cardmembers ang nawalan ng AMEX Privileges. Hindi raw kasi madali makakuha ng AXP.

    skipperjack: Ay ganun ba... nagkamali pala ako ng apply kung ganoon... AMEX ang in-applay-an ko eh tapos may tumawag sa akin from BDO yesterday para sa standard process nila na e babasa ang T and C. Dapat MC na lang muna...

    Ah ganun ba. Ibig bang sabihin na ang BDO AND AMEX Company mismo ang mag e evaluate sa application? Or BDO lang talaga?

    Strong7Power: According to a CS Suppervisor, "AMEX" issued by BDO has a separate/different department/division from "BDO" branded cards (MC/VISA/JCB/CUP).

    Strong7Power: AXP is harder when it comes to Card Applications Approval than mainstream MC and Visa.

    Maging sa mga opinyon at pahayag sa mga blogsite, forum site, at news site sa Estados Unidos, hindi madali ma-approve sa AXP. Kaya ng natapos o wala ng renewal of partnership ang mga tie-up companies/merchants/banks sa AMEX tie-up cards (kamakailan, ang COTSCO-AMEX Card sa U.S.; AMEX companion & tie-up cards with ANZ, NAB, Westpac, Commonwealth  sa Australia), maraming Amerikanong  cardmembers ang nawalan ng AMEX Privileges; at marami ring Australyanong naapektuhan sa pagkawala nito. Kasi umaasa ang marami sa mga tie-up partnerships para lang magkaroon ng AMEX.

    Sa Australia, may mga AMEXCO-issued cards; iba pa ang bank-issued AMEX cards. Sa Pilipinas kasi, dati 100% iniisyu ng AMEXCO Philippines ang AMEX cards; pero nabago ito nang simula makipag-partner sa Equitable Cards and BDO. Despite BDO-issued, our AMEXCO cards are still treated as AMEX issued cards (in technical sense). Mahirap din lalo kung matigil ang AXP-BDO partnership kasi tayo rin apektado.

    Hindi raw kasi madali makakuha ng AXP.

    Sa first BDO CC application, kung mapagbiigyan man, piling-pili sa AMEX. Better to apply "BDO" branded cards than AMEX kasi ang chances of approval, malabo lalo kung hindi matagal ang credit history mo. Like kay @Kwiker, tatlong declined sa AMEX pero sa MC/VISA, approved agad.

    Siyempre, mas mainam pa rin, ang AMEX kaysa MC/Visa

    Source: Conversations from American Express & Diners Club Cardmembers' Thread II

  • Strong7PowerStrong7Power Member PEx Moderator
    What is Branch Endorsement? How?


    Ang endorsement program o programang pag-eendorso ay isang pamamaraan na espesyal na mula sa sangay o yunit ng bangko para may higher chance of approval at para mapadali ang proseso o hindi na dadaan pa sa maraming tanggapan o kagawaran ng Consumer Lending Group. Ito man ay Personal Loan, Credit Card o Increase in Credit Limit (ICL).

    Ang pag-eendorso ay nakabase karaniwan sa balanse ng CASA, Placements, Loans/Credit Facility, Investment Products at iba pa o sa madaling salita, ang Total Relationship Balance (TRB o Ugnayang Buong Balanse) at tenure of banking relationship (tagal ng panahon na pagbabangko). Bawat sangay ng bangko, iba-iba ang kahingian o requirement bago ka maendorso. Kasama rin ang Consumer Risk Rating, Placement Code, at Product Mix Ratio sa pagsusuri ng pag-endorso.

    Sa tenure ng CASA, kalimitang anim na buwan ang iyong CASA ay pwede na magpaendorso. Pero may pailan-ilan na isang buwan pa lang mahigit e, pwede na magpaendorso. Meron ding iba, isang taon bago ka iendorso.

    Kahit hindi mo branch of account, pwede basta mapapayag mong iendorso ka ng naturang sangay. Hindi lahat ng sangay ay alam ito.

    Kahit hindi BDO Depositor, pwede rin magpaendorso lalo kung ikaw ay kliyente ng BDO sa ibang bagay. Pwede ring hindi Bank Client pero bihira ito igawad at karaniwang branch manager na mismo ang nag-eendorso rito. Ito ay kung lagi kang nakikita o pumupunta sa naturang sangay o sa madaling salita, may mahalagang ugnayan ka na sa mga bangkero sa naturang sangay. Ito ay kung nakikipagkaibigan ka na sa mga bangkero.

    Minimum Applicant Criteria for Personal Loan & Credit Card:
    a. 21-70 years old
    b. Must be a Filipino citizen. If Foreign, provide documentation requirements such as valid Passport with resident VISA or work permit and valid VISA
    c. Must be a regular employee or must have an existing business for two years.
    d. Minimum gross income of at least P120,000.
    e. Must have Landline contact number.
    f. Residence or Office address miust be within BDO serviceable area.
    g. Must be in good credit standing.

    -Branch: Branch Head and Area Head OR Branch Head with rank of AVP and up

    -Private Bank, Trust Group, and other departments and subsidiaries of BDO:  Unit Head and Department Head OR Unit Head with rank of AVP and up

    -For BDO Platinum MasterCard, (A) the CASA is at least 6 months or for Loan Clients, must be one year; (B) Individual accounts ONLY – Single ownership, No Corporate Accounts; (C) [1] For Branch Banking Clients, must have a TRB of CASA, TD, & Trust of at least 1Million in last 6 months; [2] For Private Banking Clients, at least 5M combined products of Deposits, Cash & Money Market Products, Fixed Income Products, Equity & Securities Products, Derivatives, Off - Shore Funds, and Trust Products; (D) Accounts/Investments MUST not under HOLD-OUT.

    Minimum Criteria for ICL:
    -Requirements may vary per branch. Mas mainam kapag may substance amount ang TRB ng mga BDO Accounts (Deposits/Investments).

    Card Delivery:
    All approved cards under endorsement program shall be delivered to the applicant’s billing address.

    Endorsement’s evaluation will based on Customer Risk Rating, Placement Code, and Product Mix Ratio.

    Kapag endorsement, karamihan ng applications ay hindi makikita sa Online Quick Inquiry.

    HINDI po 100% Approved ang ENDORSEMENT PROGRAM. May nade-decline pa rin. Gayunpaman, umaasa tayong maa-approve sa programang pag-eendorso.

  • Strong7PowerStrong7Power Member PEx Moderator
    edited August 2019 #17

    What do I need to know more about BDO Cards?

    As a PRINCIPAL Cardholder in good standing, you may apply for up to the given number of SUPPLEMENTARY Cards* for immediate family members and friends (parents, siblings, spouse, and children, 13 years old and above), with the sub-limit feature, you can manage your SUPPLEMENTARY Cards expenses by simply assigning a specific credit limit amount for each of the SUPPLEMENTARY Cardholders. As a PRINCIPAL Cardholder, you shall be liable for all purchases and cash advances made, including all interests and charges incurred through the use of the SUPPLEMENTARY Cards.

    *For Basic and Premium Cards, you may apply for up to five (5) Supplementary Cards.
    *For Tie-up cards such as Bench and Forever 21 MasterCards, you may apply for up to six (6) Supplementary Cards.
    *For Elite Cards (except AXP, DCI, World Elite MC), you may apply for up to eight (8) Supplementary Cards.
    * For World Elite Mastercard, you may apply for up to four (4) Supplementary Cards.

    *Gold Membership: The first one (1)
    *For Tie-up cards such as Bench and Forever 21 MasterCards: The first one (1)
    *Elite Membership (except AXP, DCI, World Elite MC): The first six (6)
    *American Express Platinum Credit Card: The first five (5)


    Maaari ring KAIBIGAN, KASINTAHAN, KATIPAN, o kahit sino pa man sa supplementary applications. Basta ang maliwanag dito, kapag pumalya ang supplementary, pananagutan pa rin ng principal cardmember.

    Unless terminated or canceled prior to expiry date, your Card is valid from the issue date up to the last calendar day of the month indicated on the face of your Card. Renewal of the Card will be at the sole discretion of BDO. If the Card is not renewed, BDO may demand full payment of any outstanding credit availment.

    This is the regular statement cut-off date of all your BDO Credit Card transactions. If your statement date falls on a Friday, Saturday or a National holiday, your statement date will be the preceding day or the following day after your official statement date.

    >Komento (as of 5/13/2018 8:54n.u., Malakas7Kapangyarihan) Hindi po mahigpit ang BDO sa kanilang sistema o paraan sa pagtatakda ng statement. Minsan, maaga pa. Minsan naman, nasa tamang panahon. At minsan, nahuhuli. 

    KAYA MAINAM PANG TINGNAN SA MOBILE APP kung nag-cut off na ba o hindi. Sa tagal ko ng BDO cardmember, alam ko na ang kanilang istilo.

    You will get two separate monthly billing statement. All your local transactions will be billed in Philippine Pesos, while your international transactions will be billed in US Dollars*. For your Dollar billing, you have the option to pay the exact amount in US Dollars or pay in Pesos using the exchange rate at the time of payment.

    *Choose US Dollars or the local currency when transacting overseas or on-line in order to be billed in US Dollars.

    Payment should be made on or before the Payment Due Date indicated in your MBS to keep your account active and to avoid late payment charges. If your Payment Due Date falls on a Saturday, Sunday or a National Holiday, payment due date is automatically moved to the next business day.

    This is the minimum amount that must be paid on or before Payment Due Date. This is the sum of the following: (a) 3% of your Outstanding Balance less Installment Amortizations and new transactions posted within the current statement period, or P200, whichever is higher; (b) 3% of Installment Amortization; (c) Overdue Amount; (d) Over-Limit Amount. In case of default, BDO may demand payment of the obligation in full.

    If you choose to pay your Outstanding Balance in full on or before the Payment Due Date, no finance charge will be imposed. However, if you choose to pay only the Minimum Payment Due or any amount less than the Outstanding Balance on or before the Payment Due Date, you will be treated as a borrower or a “revolver”. Hence, a finance charge* will be imposed on the outstanding balance stated in your previous SOA and on all new transactions posted within the statement period computed from the transaction date until the current statement date. Outstanding balance is the statement balance as of cut-off date inclusive of previous unpaid balance, new retail purchases, cash advances, charges and fees.

    *Monthly Interest Rates are reflected in the Fees and Charges flyer inserted in your SOA and can be viewed in the BDO  Credit Cards webpage.

    Your Credit Limit is the maximum outstanding balance that you and your SUPPLEMENTARY Cardholders, if any, can maintain at any given time. Each Principal Card has its own assigned Credit Limit. Please keep your outstanding balance within your assigned Credit Limit. BDO reserves the right to approve or disapprove any purchase or advance that exceeds your Credit Limit. Any amount in excess of the assigned Credit Limit becomes due for payment immediately.

    BDO-initiated Fees may be charged to your account from time to time. This portion may include: Annual or Monthly Membership Fee (AMF/MMF), Cash Advance (CA) Fee, Lost Card Replacement (LCR) Fee, Returned Check Fee (RCF), a fee for closed accounts and/or accounts with insufficient funds under an Auto-Debit Arrangement (ADA) facility, if applicable, and other applicable fees. Such fees may be revised from time to time.

    Any change in your address (Post Office Box address not accepted), telephone/mobile number and other data must be immediately relayed to BDO by calling the BDO Customer Contact Center at 631-8000. In the event that the Cardholder’s chosen mailing address is not accessible through mail or courier delivery, BDO shall have the option to use the other addresses provided by the Cardholder, if any. Until BDO is notified of such change, it will continue to use the current Cardholder’s address/contact number/data on file.

    When your Card gets lost or stolen, please report it immediately by calling the BDO Customer Contact Center at 631-8000. The Lost Card Protection (LCP) feature frees you from any liability when your card gets used fraudulently. However, coverage under the LCP begins from the time the loss or theft is reported to the BDO Customer Contact Center. In such an event, your card will be permanently blocked and a card replacement fee will be charged to your account, if applicable.

    Please examine your MBS for any errors. If no error is reported to the BDO Customer Contact Center within 30 days from Statement Date, the MBS will be considered true and accurate and binding upon you.

    Assessment fee of 1% plus service fee of 1.5% of the converted amount will be billed to your account based on the prevailing foreign exchange rate of Mastercard/Visa/JCB/UnionPay/Diners Club International and BDO respectively at the time of the posting. The service fee may be imposed at the sole discretion of BDO and may be subject to change.

    For foreign charges converted using the prevailing foreign exchange rate of American Express at the time of posting, a conversion factor of 2.5% will be applied to the converted amount, of which 1% is retained by American Express. Any charges converted by third parties prior to being submitted to us have been at rates selected by them.

    Use of the Card is subject to the Terms and Conditions Governing the Issuance and Use of BDO Credit Cards as inserted in your Welcome Pack, and as may be amended by BDO from time to time. In case of conflict between the provisions of these reminders and said Terms and Conditions, the latter shall prevail.

    It is understood that by signing at the back of the Card and/or your use of the Card, even if you have not signed any Application Form, you shall be bound by and deemed to have agreed to the Terms and Conditions Governing the Issuance and Use of BDO Credit Cards and the provisions of this reminder and you shall be liable for any and all applicable charges and fees arising from the use of the Card.
  • Strong7PowerStrong7Power Member PEx Moderator
    edited August 2018 #18
    What financial privileges can AMEX/BDO/DCI can offer to its cardmembers?

    Answer: EasyPay Installmet Plan, Balance Transfer, EasyPay Cash, EasyPay Convert, and Cash It Easy.

    EASYPAY INSTALLMENT PAYMENT PLAN. You can now spend for all the appliance, furniture, gadgets, jewelry or clothes you want without worry. The EasyPay Installment program allows you to purchase items on installment from over 11,000 partner stores nationwide. Choose from 3, 6, 9, 12, 18, 24 and 36 monthly installment* for a minimum single purchase amount of P3,000.*

     Avail Installment Payment Plan (IPP) through any of the following:

    -Absolutely 0% Interest*

    -Easy and affordable monthly add-on interest rates

    -Plus, take advantage of special extended installment terms when you Buy Now Pay Later (BNPL) and catch exclusive discounts and latest offers during special promo dates.

    BALANCE TRANSFER. Transfer your other issuer's credit card balances to your BDO Credit Card and save on high interest rates.

    EASYPAY CASH. Reimburse your Official Receipts (ORs) back to cash worth at least P5,000 at affordable installment plans.

    EASYPAY CONVERT. No installment scheme offered at your favorite store? Good news! You can convert almost anything into installment using your BDO Credit Card! Simply call 631-8000/667-1680 or apply online via www.bdo.com.ph/EPConvert and convert any of your regular purchases*** worth at least P3,000.

    CASH-IT-EASY. Turn your credit limit into cash. It's just like a Personal Loan.  It is the equivalent of BPI's Credit2Cash, MCC's Cash2Go, PNB's Convert2Cash, and Citi's Call4Cash. This feature is open to pre-qualified Principal credit cardmembers whose accounts are active & current at the time of application and have received an SMS from BDO.

    >>>CASH-IT-EASY is different from EasyPay Cash, EasyPay Convert, and Cash Advances that are readily available as credit card features in an instant and BDO Simple Installment Card.



    Both Cash It Easy and EasyPay Cash facilities are ONLY offered to selected cardmembers. Particularly to those who receive offers via email or text message.

    If qualified or selected, BDO CLG will send you an SMS/text message – offering Cash It Easy / EasyPay Cash – that will direct you to web link about this card feature and its online registration. Apply online and register with credit card and bank account details.

    After two to three days, BDO will call if you're really qualify and verify the details in the online registration form you did. Then the bank will remind you that this Cash It Easy / EasyPay Cash request is subject to BDO's approval.

    Then after a few days, once approved, you'll receive your cash in your nominated CASA. There's no processing fee.

    Consumer Lending Group / Marketing
    Card Sales: (+632) 6881200, 6881288 loc 44402
    Telemarketing: (+632) 6881200 loc 44642
    Balance Transfer, Cash Installments: (+632) 6671680, 6881200 locals 44611, 44645 or 44649
  • Strong7PowerStrong7Power Member PEx Moderator
    What are the Official Names and the Card Issuer's Nicknames for BDO Cards?

    Official Name > Nickname

    -ShopMore MasterCard > ShopMore
    -Standard MasterCard > Standard MC
    -Forever 21 MasterCard >F21 MC
    -Bench MasterCard >Bench MC
    -Simple Installment Card >SIC
    -Gold MasterCard > Gold MC
    -Titanium MasterCard > Titanium
    -Platinum MasterCard  > Platinum MC
    -World Elite MasterCard > WEMC, World Elite

    -Visa Classic > Classic
    -Visa Gold > Visa Gold
    -Visa Platinum > Visa Platinum

    -JCB 4Gives > 4Gives
    -JCB Lucky Cat > JCB Standard
    -JCB Gold > JCB Premiere
    -JCB Platinum > JCB Platinum

    -The American ExpressÂŽ Card > IDC Green
    -The American ExpressÂŽ Gold Card > IDC Gold
    -The American ExpressÂŽ Corporate Card > IDC Corporate Card
    -The American ExpressÂŽ Gold Corporate Card > IDC Gold Corporate Card
    -The Platinum ExpressŽ  > IDC Platinum
    -Blue from American ExpressÂŽ > Blue
    -The American ExpressÂŽ Credit Card > Centurion Green
    -The American ExpressÂŽ Gold Credit Card > Centurion Gold
    -The American ExpressÂŽ Platinum Credit Card > Centurion Platinum / AMEX Platinum
    -The American ExpressÂŽ Cashback Credit Card > Cashback
    -BDO Dual Gold American ExpressÂŽ Card > Dual Gold AMEX
    -The Cathay Pacific American ExpressÂŽ Credit Card > CX
    -The Cathay Pacific American ExpressÂŽ Elite Credit Card > CX Elite

    -Gold UnionPay > Gold CUP, Premiere CUP
    -Diamond UnionPay > Diamond CUP

    -Diners Club InternationalÂŽ Card > International
    -Diners Club InternationalÂŽ Premiere Card > DC Premiere
    -Diners Club InternationalÂŽ Corporate Card > DCI Corporate Card

    -Emerald (Esmeralda) > Green Rewards
    -Sapphire (Sapiro) > Blue Rewards
    -Diamond (Dyamante) > White Rewards
    -BDO MasterCard (SMAC)* > BDO MC
    -BDO MasterCard Prestige (SMAC)* > BDO MC Prestige
  • Strong7PowerStrong7Power Member PEx Moderator
    What's the Pinoy version of AMEX Companion Cards?

    This is BDO Dual Gold American Express and BDO Dual Gold MasterCard. Each has separate billing statement system however the two share the same credit limit. It has free membership in S&R Membership Shopping. It also has the lowest spend-to-AMEX MR point ratio - PHP25 : 1 MR point. The credit card points can be combined in time of AMEX Incentivo redemption. The card product offer both world of American EXpress and MasterCard. 

    Best Credit Card Reward Point System, Share the same credit limit, Different Billing Statement System, One Annual Fee, Two Cards in One Credit Card Account.

    It is one of the best card products in the country.

    May nakalagay na BDO DUAL GOLDS sa "About Us" ng AXP PH website.

    However, as of the moment, the Pinoy local partner issuer do not accept new card applications and stopped issuing this companion card product but it is still in existence and included in current AXP PH and BDO promos.

    Sa madaling salita, meron pang mga nanatiling cardmember ng Dual Golds pero di bukas sa publiko ang bagong card application.

  • Strong7PowerStrong7Power Member PEx Moderator
    Comparison: Old and New AXP Platinum Credit Card

    informant: The new AXP credit cards do not have the shiny reflective hologram like the old ones (I didn't care much for it) and it now has ExpressPay Contactless feature (which I don't care for either).

    Comparison of old and new. 
    Shiny reflective hologram in the old AXP Credit.

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