Have you been dreaming of experiencing the unparalleled benefits and prestige of an American Express credit card right here in the Philippines? Perhaps it's the exclusive travel perks, the renowned customer service, or the coveted Membership Rewards points that have caught your eye. Whatever your motivation, applying for an Amex card in the Philippines is a straightforward process, and this comprehensive guide will walk you through every single step. Let's get started on your journey to becoming an American Express Cardmember!
Understanding American Express in the Philippines
Before we dive into the application process, it's important to note that in the Philippines, American Express credit cards are primarily issued in partnership with BDO Unibank, Inc.. This means while you enjoy the global recognition and benefits of Amex, your card relationship and servicing will largely be managed through BDO.
Step 1: Discover Which American Express Card is Right for You
This is arguably the most crucial first step because American Express offers a variety of cards, each tailored to different lifestyles and spending habits. Don't just pick the first one you see! Take some time to explore the options and truly understand what each card brings to the table.
Sub-heading: Exploring Card Options
Visit the Official American Express Philippines Website: The best place to start is the official BDO American Express website (
americanexpress.com/en-ph/network/ Consider Your Spending Habits:
Are you a frequent traveler? Look for cards with strong travel benefits like airport lounge access, travel insurance, and airline miles. The American Express® Platinum Credit Card or American Express® Explorer™ Credit Card might be good fits.
Do you prefer cashback on your everyday purchases? The American Express® Cashback Credit Card offers rebates on local and overseas transactions.
Are you looking for a card that earns versatile rewards points? The American Express® Gold Card and Blue from American Express® offer Membership Rewards points that can be redeemed for various rewards.
Review Annual Fees and Waivers: Each card has an annual fee. Some offer waivers for the first year or if you meet a certain annual spending threshold. Make sure these align with your budget and anticipated usage.
Check Key Benefits: Look closely at perks like purchase protection, extended warranty, fraud protection, concierge services, and exclusive dining or shopping offers (American Express Selects®).
Step 2: Ascertain Your Eligibility and Prepare Your Documents
Once you have a target card in mind, it's time to check if you meet the eligibility criteria and gather the necessary paperwork. Being prepared can significantly speed up your application process.
Sub-heading: General Eligibility Criteria
While specific requirements can vary slightly per card, here are the common ones:
Age: You must typically be at least 18 years old.
Residency: You must be a Filipino citizen or a foreign resident with a valid visa and stable residency in the Philippines.
Income: This is a significant factor. American Express cards, especially premium ones, generally have higher income requirements. For instance, some cards might require an annual income of PHP 300,000 or even higher. It's best to check the specific card's requirements on the Amex Philippines website.
Credit History: A good credit history is paramount. This means no payment defaults on previous loans or credit cards, and a healthy credit score. If you have no credit history, it might be more challenging to get approved for a premium Amex card, though options like secured credit cards exist.
Debt-to-Income Ratio (DTI): A low DTI indicates that you manage your debts well, which is favorable for approval.
Existing Credit Cards (Optional but Helpful): Having other credit cards, especially with good payment history, can strengthen your application.
Sub-heading: Essential Documents Required
Have these documents ready, as they will be needed during the application:
Proof of Identity:
Valid Government-Issued ID: Passport, Driver's License, SSS ID, UMID, Postal ID, Voter's ID. Make sure it's not expired.
Proof of Income:
For Employed Individuals:
Latest Income Tax Return (ITR) with BIR stamp (Form 2316)
Certificate of Employment (COE) with salary details and tenure
Latest 1-3 months' payslips
For Self-Employed Individuals/Business Owners:
Latest Income Tax Return (ITR) with BIR stamp (Form 1701 or 1701Q)
Latest Audited Financial Statements (AFS)
DTI or SEC Registration of Business
Bank statements (personal and/or business) for the last 3-6 months
Proof of Billing/Address:
Utility bills (electricity, water, internet) not more than 3 months old
Bank statement with your current address
Lease contract (if renting)
Barangay Certificate
Additional Documents (if requested):
Marriage Certificate (if applicable)
Valid Visa and Alien Certificate of Registration (ACR) I-Card for foreign residents.
Step 3: Choose Your Application Method
American Express in the Philippines typically offers a few ways to apply.
Sub-heading: Online Application (Recommended for Convenience)
Navigate to the American Express Philippines Website: Go to the official BDO American Express website.
Select Your Desired Card: Click on the specific American Express card you wish to apply for.
Click "Apply Now": You'll usually find an "Apply Now" button or a similar prompt. This will direct you to an online application form.
Fill Out the Application Form: Carefully and accurately fill in all required personal, contact, and financial information. This includes:
Personal details (full name, date of birth, civil status, nationality)
Contact information (mobile number, landline, email, residential address)
Employment/Business details (company name, industry, position, years of service)
Financial information (annual income, source of funds, existing credit cards)
Upload Required Documents: Most online application portals will allow you to upload scanned copies or clear photos of your supporting documents. Ensure all files are legible and meet the specified file size/type requirements.
Review and Submit: Before submitting, double-check all the information you've entered for accuracy. Any errors could cause delays.
Application Confirmation: You should receive a confirmation message or email acknowledging receipt of your application. Keep your application reference number handy.
Sub-heading: Branch Application (For In-Person Assistance)
Visit a BDO Branch: As American Express cards in the Philippines are issued by BDO, you can visit any BDO branch to apply in person.
Inform the Bank Staff: Let the bank staff know you wish to apply for an American Express credit card. They will provide you with the necessary application forms.
Fill Out Forms and Submit Documents: Complete the physical application forms and submit your original documents (or clear photocopies, depending on their policy) for verification.
Consult with a Representative: This method allows you to ask questions directly and get clarification on any part of the process.
Step 4: Await Application Processing and Approval
After submitting your application, the waiting game begins.
Sub-heading: What Happens During Processing
Credit Evaluation: BDO/American Express will conduct a thorough credit evaluation. This involves checking your credit history with credit bureaus, verifying your income and employment, and assessing your overall financial standing.
Verification Calls/Emails: You might receive calls from the bank to verify information provided in your application. Be ready to answer their questions accurately.
Possible Additional Document Requests: In some cases, the bank may request additional documents or clarifications. Respond promptly to these requests to avoid delays.
Sub-heading: Timeline for Decision
The processing time can vary, but generally, you might hear back within 7 to 15 business days for an initial decision.
For some premium cards or if further verification is needed, it could take longer, sometimes up to 30 days or more.
You will be notified of the decision via email, SMS, or mail.
Step 5: Receive and Activate Your Card
Congratulations if your application is approved! The final steps involve receiving your card and activating it.
Sub-heading: Card Delivery
Once approved, your American Express credit card will be delivered to your registered mailing address. This usually takes a few business days after approval, depending on your location.
Ensure someone is available to receive the card and present a valid ID for verification.
Sub-heading: Card Activation
Online Activation: Most American Express cards can be activated online through the BDO American Express website or BDO's online banking portal.
Phone Activation: You can also activate your card by calling the dedicated American Express/BDO customer service hotline. The number is usually printed on the sticker attached to your new card.
Set Your PIN: During activation, you will likely be prompted to set your Personal Identification Number (PIN) for ATM withdrawals and point-of-sale transactions.
Step 6: Start Enjoying Your American Express Privileges!
With your card activated, you're now ready to tap into the world of American Express.
Sub-heading: Making the Most of Your Card
Explore Membership Rewards: Familiarize yourself with the Membership Rewards program (if your card earns points) and understand how to earn and redeem points for travel, shopping, dining, and other experiences.
Check for Amex Offers: Regularly check the American Express website or app for exclusive Amex Offers, which provide savings and bonus points at various merchants.
Utilize Travel Benefits: If you have a travel-focused card, make sure to register for and utilize perks like lounge access, travel insurance, and hotel program elite statuses.
Understand Your Billing Statement: Review your monthly billing statements carefully to track your spending and ensure all transactions are accurate.
Practice Responsible Spending: A credit card is a powerful financial tool. Always pay your bills on time and in full to avoid interest charges and maintain a good credit standing.
Frequently Asked Questions (FAQs)
Here are 10 related FAQ questions to help you further:
How to check the status of my American Express credit card application in the Philippines?
You can typically check your application status by calling the BDO American Express Customer Service Hotline at (+632) 8888-0000. Have your application reference number ready.
How to improve my chances of getting approved for an American Express credit card?
To improve your chances, ensure you have a stable income that meets the card's requirements, maintain a good credit history with no defaults, and provide all requested documents promptly and accurately.
How to know which American Express card is best for my needs?
Consider your primary spending categories (travel, dining, everyday purchases), your annual income, and the types of benefits you value most (cashback, rewards points, travel perks, lifestyle privileges). Compare the various Amex cards offered by BDO to find the best fit.
How to contact American Express customer service in the Philippines?
You can reach the American Express Customer Service Hotline in the Philippines by calling (+632) 8888-0000. For international toll-free calls, it's (IAC)+800-8-CALLBDO (2255-236).
How to pay my American Express credit card bill in the Philippines?
You can pay your bill through various channels, including BDO branch counters (cash or check), BDO Online Banking, BDO Phone Banking, and SM Bills Payment Counters.
How to activate my new American Express card?
You can typically activate your card online through the BDO American Express website or BDO's online banking portal, or by calling the customer service hotline provided with your new card.
How to earn Membership Rewards points with my American Express card?
You earn Membership Rewards points by using your card for eligible purchases. The earning rate (e.g., 1 point for every PHP45 spent) varies by card. Points do not expire.
How to redeem American Express Membership Rewards points?
You can redeem your Membership Rewards points for a wide array of options, including shopping and dining gift certificates, travel, and converting them into air miles with partner airlines or hotel loyalty points. Check the Membership Rewards catalog on the Amex Philippines website.
How to report a lost or stolen American Express card in the Philippines?
Immediately report a lost or stolen card by calling the 24-Hour American Express Customer Service Hotline at (+632) 8888-0000. They will help you cancel your existing card and arrange for a replacement.
How to manage my American Express account online?
Once you receive your card, you can register for online services on the BDO American Express website. This allows you to view your statements, track activity, check spending power, and manage various account settings.
