• Min. Monthly Income

    ₱40,000

  • Interest Rate

    3.25% /month

  • Annual Fee

    ₱1,600

Feature Highlights
  • Avail special discounts with partner websites, upon using your BDO credit card
Insurance
6/10
Travel
6/10
Dining
4.5/10
Gas
4.5/10
Groceries
4.5/10
Shopping
4.5/10

Insurance

  • Travel Accident Insurance* with coverage of up to ₱10 million
  • Protects your purchases on the card from loss, theft or damage within 30 days from date of purchase

Travel

  • Earn 2 Asia Miles for every ₱42.00 spent on Cathay Pacific flight bookings
  • As an Elite Cardmember, you'll earn 1,500 Bonus Asia Miles with your very first purchase and upon membership anniversary
  • As a Cathay Pacific American Express Credit Card member, take Advantage of American Express Selects® a showcase of local and worldwide travel, leisure dining and shopping offers
  • Complimentary Green Tier membership to the Marco Polo Club such as Priority check-in and boarding

Dining

  • As a Cathay Pacific American Express Credit Card member, take Advantage of American Express Selects® a showcase of local and worldwide travel, leisure dining and shopping offers
  • Earn 1 Asia Mile for every ₱42.00 spent

Gas

  • Earn 1 Asia Mile for every ₱42.00 spent

Groceries

  • Earn 1 Asia Mile for every ₱42.00 spent

Shopping

  • As a Cathay Pacific American Express Credit Card member, take Advantage of American Express Selects® a showcase of local and worldwide travel, leisure dining and shopping offers
  • Earn 1 Asia Mile for every ₱42.00 spent

Other Features

  • Cash Advance

    • 30% of the credit limit and fees are either ₱500.00 or 5.00% of the outstanding amount, whichever is higher.

  • Balance Transfer

    • 13.04% per annum for a tenure of 12 months

  • Installment Plan

    • 0% interest Installment Payment Plan at all participating merchants

  • Auto Charge

    • This facility allows you to enroll multiple utility bills to your BDO Credit Card so you only have one due date to remember.

  • Exclusive Online Deals and Online Treats

    • Enjoy discounts, exclusive deals and freebies when you use your BDO Credit Card at partner websites.

Card Information

Annual fee ₱1,600 (Annual fee is waived for the first year.)
Min. monthly income ₱40,000
Min. age for principal holder

21 and above

Min. age for supplementary holder

13 and above

Fee for supplementary holder ₱800.00
Finance charges 3.25% per month
Must have postpaid account? No
Identification needed Tax Identification Number (TIN) and SSS/GSIS No.
Card Replacement Fee

₱400.00

Sales Slip Retrieval Fee

₱250.00 for every sales slip retrieved for local transactions or ₱450.00 each for international transactions

Late payment charge

5% of overdue amount or ₱500.00, whichever is higher

Cash advance amount

30% of credit limit

Cash advance charge

5% of amount withdrawn or ₱500.00, whichever is higher

Cash advance interest charge

Same as credit card interest, 3.25%

Cashback limit

N/A

Rewards points expiry

N/A

Product Review by iMoney Philippines

Travel Without the Worries

BDO Cathay Pacific American Express is the only credit card in the Philippines that allows you to instantly earn Asia Miles on your purchases that will be transferred automatically to your Asia Miles account without any fees. You can convert them for flight rewards, upgrades, hotel stays and companion tickets on partner airlines, plus you also get free travel accident insurance of up to ₱10M. Use your card anywhere in the world as you get exclusive discounts and privileges all year.

Fees and Charges of BDO Cathay Pacific Credit Card

Waived first year annual fee for the principal cardholder, ₱1,600 for the succeeding year. ₱800 annual membership fee for supplementary cardholders. Monthly interest rate is 3.5%, whereas late payment charge is ₱500 or 5% of the unpaid amount whichever is higher.

Are you eligible for a BDO Cathay Pacific Credit Card?

Applicants should be aged 21-70 years, with a minimum monthly salary of ₱40,000 for the principal cardholder. Supplementary cardholders should be at least 13 years of age.

If you think this is not the right card for you, we also recommend that you check out Citibank Premier Miles Credit Card and PNB Mabuhay Miles Credit Card, both of which have similar benefits and features.

You can also try to browse for other BDO credit cards for travel, to find the credit card that matches your requirements.