• Min. Monthly Income


  • Interest Rate

    3% /month

  • Annual Fee


Feature Highlights
  • Earn cashback on all your local and overseas expenses


  • Earn 1% cashback on your local and 2% on your overseas expenses


  • Earn 1% cashback on your local and 2% on your overseas expenses


  • Earn 1% cashback on your local and 2% on your overseas expenses


  • Earn 1% cashback on your local and 2% on your overseas expenses


  • Earn 1% cashback on your local and 2% on your overseas expenses

Other Features

  • Cash Advance

    • 30% of the credit limit and fees are either ₱500 or 5% of the amount withdrawn, whichever is higher.

  • Balance Transfer

    • 13.04% per annum for a tenure of 12 months (Terms & Conditions apply)

  • First Year Annual Fee Waiver

    • Enjoy annual membership for the first year for Basic and Supplementary Cardmember

  • Payment Convenience

    • There are various payment options at numerous locations that you can choose from.

Card Information

Annual fee ₱3,000
Min. monthly income ₱35,000
Min. age for principal holder

21-70 years old

Min. age for supplementary holder

13 years old and above

Fee for supplementary holder ₱1,500
Finance charges 3.00% per month
Must have postpaid account? No
Identification needed Tax Identification Number (TIN) and SSS/GSIS No.
Card Replacement Fee

₱400 for each card

Sales Slip Retrieval Fee

₱250 for every sales slip retrieved for local transactions or ₱450 each for international transactions

Late payment charge

5% of overdue amount or ₱500, whichever is higher

Cash advance amount

30% of credit limit

Cash advance charge

5% of amount withdrawn or ₱500, whichever is higher

Cash advance interest charge

Same as credit card interest, 3%

Cashback limit


Rewards points expiry


Product Review by iMoney Philippines

Cashback Galore

Let your purchases earn for you with American Express® Cashback Credit Card. Enjoy rebates as well as exclusive deals and privileges such as 2% cashback on overseas purchases and 1% on local buys without any minimum spend. Make the most out of your travels as you get great discounts in various establishments such as hotels and restaurants either local or abroad, for the entire year. You’ll also receive free travel accident insurance worth up to ₱10,000 that also covers flight cancellations/delays, or lost luggage, which makes for a worry-free travel experience. If you need immediate assistance, you’ll also benefit from 24/7 Global Travel Assistance for any urgent matter than you might need help with.

Fees and Charges of American Express® Cashback Credit Card

Annual membership fee for the first year is free. For the following year, it will be ₱3,000 for the principal cardholder and ₱1,500 for the supplementary. Monthly interest charge is 3% and late payment fee is 5% of overdue amount or ₱500, whichever is higher.

Are you eligible for an American Express® Cashback Credit Card?

To be qualified, you must have a minimum monthly gross income of ₱50,000 to become a principal cardholder and should be at least 21-60 years of age. For a supplementary cardholder, they are required to be at least 13 years old.

Looking for a similar card from another bank? Our team suggests that you take a look at Security Bank Complete Cashback Credit Card and Citibank Cashback Credit Card which have related features that you may find interesting.

We aim to help you with your search. If you're still having a hard time finding the right card, we also recommend that you check out the complete line-up of Credit Cards available on our website, and using the filter tool, compare which one best matches your needs.