Hey there! Got a shiny new BDO American Express Credit Card? That's fantastic! You're about to unlock a world of exclusive benefits, rewards, and unparalleled service. But like any powerful tool, knowing how to use it effectively is key to maximizing its potential. This comprehensive guide will walk you through everything, from activating your card to making the most of its features.
Let's dive in and get you started on your Amex journey!
The Power in Your Wallet: Understanding Your BDO American Express Credit Card
Your BDO American Express Credit Card isn't just a piece of plastic; it's a gateway to a premium financial experience. It combines the local expertise of BDO, one of the Philippines' largest banks, with the global recognition and service of American Express. This means you get a powerful combination of convenience and prestige.
Before we get to the how-to, let's briefly touch on what makes it special:
Global Acceptance: American Express is recognized worldwide, making your card a perfect travel companion.
Membership Rewards Program: Earn points on almost every purchase, redeemable for flights, hotel stays, merchandise, and more.
Exclusive Privileges: Access to unique offers, discounts, and experiences in dining, travel, shopping, and entertainment.
Exceptional Customer Service: American Express is renowned for its dedicated and responsive customer support.
Now, let's get down to business!
Step 1: Receiving and Activating Your Card – The First Crucial Step!
Alright, you've just received your BDO American Express Credit Card in the mail. Exciting, isn't it? But don't just admire it – the very first thing you need to do is activate it! Without activation, your card is just a fancy piece of plastic.
Sub-heading: Why Activation is Essential
Activation is a security measure. It confirms that the card has reached the intended recipient and prevents unauthorized use. Plus, you can't start enjoying those fantastic benefits until it's active!
Sub-heading: How to Activate Your Card
BDO offers a few convenient ways to activate your American Express Credit Card:
Online Activation (Recommended): This is often the quickest and most straightforward method.
Go to the official BDO website (
www.bdo.com Look for the "Credit Card Activation" section, often found under "Personal" or "Cards."
You'll likely be asked to enter your Card Account Number, your Date of Birth, and a One-Time Password (OTP) sent to your registered mobile number.
Follow the on-screen prompts to complete the activation. You'll receive a confirmation once successful.
Phone Activation:
Call the BDO Customer Service Hotline. The number is typically printed on the sticker attached to your new card. For general inquiries, you can call (+632) 8888-0000.
Follow the voice prompts for credit card activation. You'll need to provide your card details and some personal information for verification.
A customer service representative might assist you directly or guide you through an automated process.
SMS Activation (if available): Some card types or promotions might offer SMS activation. Check the accompanying letter with your card for instructions on this method.
Pro-Tip: As soon as you activate your card, sign on the signature panel at the back. This helps prevent unauthorized use if your card is lost or stolen.
Step 2: Understanding Your Card Details – Know Your Amex!
Now that your card is active, it's time to familiarize yourself with the important details on it.
Sub-heading: Key Information on Your Card
Card Number: This is the 15-digit number prominently displayed on the front of your card. American Express cards typically start with '3'.
Your Name: Ensure your name is spelled correctly.
Expiration Date: Usually in MM/YY format (e.g., 07/27 for July 2027). This indicates when your card will no longer be valid and a new one will be issued.
Security Code (CID/CVV): This is a 4-digit number printed on the front of your American Express card, usually above your card number on the right side. Unlike Visa/Mastercard which typically have a 3-digit CVV on the back, Amex places theirs on the front. This is crucial for online and phone transactions.
Signature Panel: The area on the back where you should sign.
Step 3: Making Purchases – Swiping, Tapping, and Clicking!
Your BDO American Express Credit Card is ready for action! Here's how to use it for various transactions:
Sub-heading: In-Store Purchases
This is the most common way to use your card.
Present Your Card: When paying, hand your BDO American Express Credit Card to the cashier.
Choose "Credit": If the merchant asks you to choose between "credit" and "debit," always select "credit." Your American Express card functions as a credit card, and no PIN is typically required for in-store purchases in the Philippines.
Swipe, Insert, or Tap:
Swipe: For older terminals, the cashier will swipe your card through a magnetic stripe reader.
Insert (EMV Chip): Most modern terminals require you to insert your card into the slot and leave it there until the transaction is complete. The chip processes the transaction more securely.
Tap (Contactless/NFC): If you see the contactless symbol (four curved lines) on the terminal, you can simply tap your card against it for a quick payment.
Sign (if required): For some transactions, particularly larger ones, you might be asked to sign the sales slip. Always ensure the amount is correct before signing.
Sub-heading: Online Purchases
Online shopping with your BDO American Express is convenient and secure.
Select Credit Card as Payment Method: On the merchant's website, choose "Credit Card" or "American Express" as your payment option.
Enter Card Details: You'll be prompted to enter:
Your 15-digit BDO American Express Card Number
The Expiration Date (MM/YY)
The 4-digit Security Code (CID) from the front of your card
Your Name as it appears on the card
Billing Address: Provide the billing address associated with your card.
Complete Purchase: Review your order and confirm the payment.
Important for Online Security: Consider applying for a BDO American Express Virtual Card if you frequently shop online. This companion card has a different card number from your physical card, providing an extra layer of security for your online transactions. You can also set adjustable spending limits on it.
Sub-heading: Overseas Transactions
Your BDO American Express is a fantastic travel companion!
Global Acceptance: Look for the American Express logo at merchants worldwide.
Currency Conversion: Transactions made in foreign currencies will be converted to Philippine Pesos (PHP) or US Dollars (if you have a dual-currency card) by American Express. Be aware of foreign transaction fees, which are typically a percentage of the transaction amount (e.g., 2.5%). This fee is standard for most credit cards when used internationally.
Notify BDO (Optional but Recommended for Large Spends): While not always strictly necessary, it's a good practice to inform BDO of your travel plans, especially if you anticipate large international expenditures. This can help prevent your card from being flagged for suspicious activity and temporarily blocked. You can do this through BDO's customer service hotline.
Sub-heading: Cash Advance
While convenient, cash advances should be used sparingly due to high fees and interest rates that start accruing immediately.
You can avail cash advances up to a certain percentage of your credit limit (typically 30%) at select BDO branches nationwide or any ATM bearing the American Express logo, both locally and overseas.
Step 4: Managing Your Account – Stay in Control!
Responsible credit card use involves actively managing your account.
Sub-heading: Online Account Management
Register for an online account with BDO to:
View Statements and Activity: Access your current and past statements, and monitor your transactions in real-time. This is crucial for tracking your spending and identifying any unauthorized charges.
Check Credit Limit and Available Balance: Always know how much you can spend.
Pay Your Bill: Make payments conveniently online.
Manage Alerts: Set up SMS or email alerts for transactions, payment due dates, and more.
Update Personal Information: Keep your contact details current.
Sub-heading: Understanding Your Statement of Account
Your monthly statement is a vital document. Here's what to look for:
Statement Date: The date your statement was generated.
Previous Balance: The amount you owed from the last billing cycle.
Payments/Credits: Any payments you made or credits you received.
Purchases/Transactions: A detailed list of all your transactions during the billing cycle. Check these carefully for accuracy.
Fees and Interest Charges: Any applicable fees (e.g., annual fee, late payment fee, foreign transaction fee) and interest accrued.
New Balance/Current Balance: The total amount you owe for the current billing cycle.
Minimum Payment Due: The smallest amount you must pay by the due date to keep your account in good standing. Always aim to pay your full balance to avoid interest charges.
Payment Due Date: The deadline for your payment.
Sub-heading: Payment Options
BDO offers multiple ways to pay your American Express Credit Card bill:
BDO Online Banking: The easiest way to pay from your BDO savings or checking account.
BDO Branch Counters: Pay with cash or check at any BDO branch.
BDO Phone Banking: Access your BDO account via phone to pay your card.
SM Bills Payment Counters: Conveniently pay at SM malls.
Auto-Charge: Enroll your card for automatic monthly payments from your BDO account to ensure you never miss a due date. This is a highly recommended option for responsible cardholders.
Step 5: Maximizing Your Benefits and Rewards – The Fun Part!
Your BDO American Express Credit Card comes packed with perks. Make sure you're using them!
Sub-heading: Membership Rewards Program
This is the cornerstone of your Amex experience.
Earning Points: You earn Membership Rewards points for almost every peso you spend. The earning rate varies by card type (e.g., 1 Membership Rewards Point for every PHP 45 spent).
Redeeming Points: Your points can be redeemed for a vast array of rewards, including:
Air Miles: Convert points to frequent flyer miles with partner airlines (e.g., Mabuhay Miles, Asia Miles, KrisFlyer). This is extremely popular for travelers.
Hotel Loyalty Points: Transfer points to hotel loyalty programs.
Shopping Gift Certificates: Use points for vouchers at various merchants.
Gadgets, Appliances, and Merchandise: Redeem for items from the Incentivo Catalogue.
Membership Fee Waiver: Sometimes, you can use points to cover your annual fee.
Sub-heading: Exclusive Offers and Promotions
Keep an eye out for ongoing promotions and special offers for BDO American Express Cardmembers. These can include:
Discounts and Freebies: At partner restaurants, retail stores, and online merchants.
Travel Privileges: Access to airport lounges (for Platinum cards), special rates on hotels and car rentals, and complimentary travel insurance.
"Buy Now, Pay Later" and Installment Plans: Enjoy 0% interest installment options or low add-on rates at participating merchants for big-ticket purchases.
Balance Transfer and Cash Installment: Options to manage your finances with lower interest rates (subject to terms and conditions).
Sub-heading: Utilizing Concierge and Emergency Services
High-tier BDO American Express cards often come with concierge services and global assistance.
24/7 Concierge Service: For assistance with travel bookings, restaurant reservations, event tickets, and more.
Global Assist Hotline: Provides medical and legal referrals, emergency cash, and other essential services when you're traveling overseas.
Step 6: Security and Responsible Use – Protecting Your Investment
While convenient, it's crucial to use your credit card responsibly and keep it secure.
Sub-heading: Protecting Your Card Information
Never Share Your PIN or Security Code: Keep your PIN confidential and never write it down. The 4-digit security code (CID) on the front of your Amex should also be protected.
Be Wary of Phishing Attempts: BDO and American Express will never ask for your full card number, PIN, or OTP via unsolicited email or SMS links. If in doubt, always call the official customer service hotline.
Monitor Your Statements: Regularly check your online transactions and monthly statements for any unauthorized activity.
Secure Online Shopping: Use secure websites (look for "https://" in the URL and a padlock icon). Consider the BDO Amex Virtual Card for added online security.
Sub-heading: What to Do if Your Card is Lost or Stolen
Report Immediately: Call the BDO Customer Service Hotline as soon as you realize your card is missing. The sooner you report it, the less liable you are for fraudulent charges.
Request a Replacement: BDO will cancel your old card and issue a new one.
Sub-heading: Responsible Credit Card Management
Pay on Time, Every Time: Always pay at least your minimum payment by the due date to avoid late payment fees and negative marks on your credit history.
Aim to Pay in Full: To avoid interest charges, strive to pay your entire outstanding balance every month. Credit card interest can quickly add up.
Don't Max Out Your Credit Limit: Keeping your credit utilization low (ideally below 30% of your credit limit) is good for your credit score.
Budget Your Spending: Use your credit card as a tool for convenience and rewards, not as an extension of your income.
Frequently Asked Questions (FAQs)
Here are 10 common questions about using your BDO American Express Credit Card, with quick answers:
How to activate my BDO American Express Credit Card?
You can activate your card online via the BDO website (
How to check my BDO American Express Credit Card balance?
You can check your balance through BDO Online Banking by logging into your account, via BDO Phone Banking, or by referring to your latest monthly Statement of Account.
How to pay my BDO American Express Credit Card bill?
You can pay via BDO Online Banking, at any BDO branch counter, through BDO Phone Banking, at SM Bills Payment Counters, or by enrolling in Auto-Charge.
How to use my BDO American Express for online purchases securely?
Enter your 15-digit card number, expiration date, and the 4-digit security code (CID) found on the front of your card. For enhanced security, consider applying for a BDO American Express Virtual Card.
How to report a lost or stolen BDO American Express Credit Card?
Immediately call the BDO Customer Service Hotline at (+632) 8888-0000 to report your card as lost or stolen and request a replacement.
How to earn and redeem Membership Rewards points with my BDO American Express Card?
You automatically earn points on qualifying purchases. You can redeem points for air miles, hotel stays, gift certificates, merchandise, and more through the American Express Membership Rewards Program on the BDO website or by calling customer service.
How to get a cash advance from my BDO American Express Credit Card?
You can avail cash advances at select BDO branches nationwide or at any ATM bearing the American Express logo, locally or overseas, up to a certain percentage of your credit limit.
How to understand the fees and charges on my BDO American Express Statement?
Your statement details your annual fee, foreign transaction fees, late payment fees, and any interest charges. Always review the "Fees and Interest Charged" section and the "Important Reminders" section of your statement.
How to increase my BDO American Express Credit Card limit?
You can request a credit limit increase by contacting BDO Customer Service. Approval depends on your payment history, income, and other factors.
How to contact BDO American Express customer service?
You can reach BDO Customer Service for your American Express card by calling their hotline at (+632) 8888-0000 within Metro Manila, or their international toll-free numbers if you are overseas.
There you have it! With these steps and tips, you're well on your way to becoming a savvy BDO American Express Credit Card user. Enjoy the benefits, manage responsibly, and make the most of your card!