Applying for a BDO American Express credit card online can open up a world of exclusive benefits, from travel perks and rewards points to purchase protection and excellent customer service. If you're ready to take the leap, this comprehensive, step-by-step guide will walk you through the entire process, ensuring a smooth and successful application.
So, are you ready to unlock a new level of financial flexibility and lifestyle enhancements? Let's get started!
Step 1: Discover Your Perfect BDO American Express Card
Before you even think about filling out forms, the very first and most crucial step is to determine which BDO American Express credit card best suits your needs and lifestyle. Each card comes with its own unique set of features, benefits, and eligibility criteria.
Sub-heading: Understanding the Different BDO American Express Cards
BDO offers a variety of American Express credit cards, each designed for different spending habits and preferences. Take some time to explore them on the official BDO website (bdo.com.ph). You might find options like:
BDO American Express® Platinum Credit Card: Often geared towards frequent travelers and those seeking premium lifestyle benefits, including lounge access, concierge services, and high rewards earning rates.
BDO American Express® Cashback Credit Card: Ideal for those who prefer straightforward savings, offering cashback on everyday local and overseas purchases.
BDO American Express® Explorer™ Credit Card: Designed for travel enthusiasts, offering accelerated miles earning for every peso spent.
Blue from American Express®: A good entry-level option with a focus on Membership Rewards points and potential for membership fee waivers.
Sub-heading: Checking Eligibility Requirements
Once you have a card in mind, carefully review its specific eligibility criteria. These typically include:
Age: Generally, you need to be at least 21 years old (and up to 60 for principal cardholders) for a BDO American Express card.
Citizenship/Residency: You must be a Filipino citizen or a foreigner residing in the Philippines.
Income: This is a significant factor. Each card has a minimum gross fixed monthly income requirement. For instance, the American Express® Platinum Credit Card may require a higher income (e.g., PHP93,000 gross fixed monthly income) compared to other cards. Be realistic about your income to avoid disappointment.
Credit History: A good credit history is essential. American Express typically looks for individuals with a strong credit score and no history of payment defaults.
Don't proceed to the next step until you are confident you meet the eligibility criteria for your chosen card.
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| How To Enroll Bdo American Express Credit Card Online |
Step 2: Prepare Your Documents – The Paperwork Power-Up!
Applying for a credit card, even online, requires supporting documents. Having these ready beforehand will significantly streamline your application process.
Sub-heading: Essential Documents for Salaried Individuals
If you are employed, gather the following:
Valid Photo-Bearing Government-Issued ID with Signature: This could be your PhilID Card/ePhilID (printed)/Digital National ID, Driver's License, Passport, TIN (Ecard only), SSS, UMID, or Company ID (with signature of authorized representative and employee).
Proof of Income:
Latest one (1) month payslip/s.
Original Certificate of Employment (stating Gross Income, Date Hired, and Position).
Latest Income Tax Return (ITR) duly stamped as received by the Bureau of Internal Revenue (BIR).
Alternatively, if you have existing credit cards: Copy of the last two (2) months statements of account of your credit card that is at least 1 year on books.
Proof of Billing (for non-depositor): A utility bill (electricity, water, phone, etc.) not more than 3 months old, or a bank account statement.
Tip: The details are worth a second look.
Sub-heading: Essential Documents for Self-Employed Individuals
If you are self-employed, prepare these documents:
Valid Photo-Bearing Government-Issued ID with Signature: Same as for salaried individuals.
Proof of Income:
Latest Income Tax Return (ITR) duly stamped as received by the Bureau of Internal Revenue (BIR) and latest Audited Financial Statements for at least two (2) years.
Photocopy of registration of Business Name (MANDATORY); DTI Registration for Single Proprietorship or SEC Registration for Partnership / Corporation.
Last 3 months' bank statements (OPTIONAL, but highly recommended).
Proof of Billing (for non-depositor): Same as for salaried individuals.
Sub-heading: Additional Documents for Foreign Residents
If you are a foreign resident, you will also need:
Valid VISA and work permit; or
Alien Certificate of Registration (ACR) or Immigrant Certificate of Registration (ICR) or ACR-I; or
Valid passport with any of the following: Special Investors Resident VISA, Special Non-Immigrant VISA for PEZA investors and employees, or VISA wit
h.
It's advisable to have scanned copies of all these documents ready in common formats like JPEG, PDF, or PNG, as you may need to upload them during the online application.
Step 3: Navigating the Online Application Portal
With your chosen card in mind and documents in hand, it's time to begin the online application.
Sub-heading: Accessing the BDO American Express Application Page
Go to the official BDO website. Look for the "Cards" or "Credit Cards" section.
Locate "American Express Cards." This will lead you to a page showcasing the various BDO American Express credit cards.
Select your desired card. Click on the "Apply Now" or "Apply Online" button associated with the card you've chosen. This will typically open a new, secure window or direct you to the online application form.
Sub-heading: Filling Out the Online Application Form
The online application form will require you to input various details. Be meticulous and accurate in every field.
Personal Information: Fill in your full name, date of birth, civil status, nationality, current and permanent address, contact numbers (mobile and landline), and email address. Ensure your name matches your government-issued ID exactly.
Employment Details: Provide information about your current and previous employers (if applicable), including company name, address, position, length of service, and gross monthly income.
Financial Information: This section will ask about your other bank accounts, existing credit cards (if any), and other financial obligations.
Card Selection: Confirm the BDO American Express card you wish to apply for. You may also be asked if you want to apply for supplementary cards.
Declaration and Consent: Read through the terms and conditions carefully. You will need to tick boxes to agree to them and provide consent for BDO to process your application and verify your information.
Sub-heading: Uploading Required Documents
Some online application portals allow you to upload your supporting documents directly.
Follow the instructions on the screen for uploading your scanned IDs, income proofs, and other relevant documents.
Ensure the files are clear, legible, and within the specified file size limits. If the quality is poor, you might be asked to resubmit, delaying your application.
QuickTip: Pause after each section to reflect.
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Sub-heading: Review and Submission
Before you hit "Submit," take your time to thoroughly review all the information you've entered.
Double-check for any typos or errors. Even a small mistake can lead to delays or rejection.
Ensure all mandatory fields are filled.
Once you're confident everything is correct, click the "Submit Application" button.
Step 4: What Happens After Submission? – The Waiting Game
Congratulations! You've submitted your online application. Now comes the waiting period.
Sub-heading: Application Confirmation
You will typically receive an immediate confirmation on screen that your application has been received.
An email or SMS notification will also be sent to your registered contact details, acknowledging your application and often providing a reference number. Keep this reference number handy! It's vital for tracking your application status.
Sub-heading: Application Processing and Evaluation
BDO will now begin processing your application. This involves:
Verification of Information: BDO may contact you or your employer to verify the details you provided.
Credit Background Check: Your credit history and score will be assessed.
Document Validation: Your uploaded documents will be reviewed for authenticity and completeness.
The processing time can vary, but generally, you might receive a decision within 15 days if your application is successful. If it requires further review, it might take up to 90 days.
Sub-heading: Application Status Updates
BDO usually provides updates via SMS and/or email regarding the status of your application (e.g., "Application received," "Under review," "Approved," "Declined").
You can also contact BDO's customer service hotline and provide your reference number to inquire about your application status.
Step 5: Card Delivery and Activation – The Final Step to Freedom
If your application is approved, the excitement builds!
Sub-heading: Card Delivery
Tip: Don’t just scroll — pause and absorb.
Once approved, your BDO American Express credit card will be dispatched for delivery to your registered home address.
You will usually receive an SMS notification once your card has been released for delivery.
Ensure someone is available at your delivery address to receive the card, as it often requires a signature.
Sub-heading: Card Activation
Upon receiving your card, the final step is to activate it. BDO offers several convenient ways to do this:
Via SMS: Follow the instructions provided with your card, which typically involve sending a text message to a specific number with your card details.
Via BDO Online Banking: If you have a BDO online banking account, you can activate your credit card through the platform.
Via BDO Contact Center: You can call the BDO customer service hotline and follow the prompts for card activation.
Through a BDO ATM: Some cards can be activated at a BDO ATM.
Once activated, your BDO American Express credit card is ready for use! Enjoy the benefits and privileges that come with being a BDO American Express cardholder. Remember to use your card responsibly and manage your finances wisely.
Frequently Asked Questions (FAQs)
How to check if I am eligible for a BDO American Express Credit Card?
You can check eligibility by reviewing the specific requirements listed on the BDO website for each American Express card type (age, income, residency, and credit history).
How to gather the necessary documents for online application?
Organize your valid government-issued ID, proof of income (payslips, COE, ITR for salaried; ITR with AFS, DTI/SEC registration for self-employed), and proof of billing. Scan clear copies of these documents.
How to find the official BDO American Express online application portal?
Go to the official BDO website (bdo.com.ph), navigate to "Cards" or "Credit Cards," then select "American Express Cards" and click on "Apply Online" for your chosen card.
How to fill out the online application form accurately?
Carefully input all personal, employment, and financial details. Double-check for any errors before submitting. Refer to your documents to ensure accuracy.
QuickTip: Reread for hidden meaning.
How to upload my documents during the online application?
Follow the prompts on the application portal to upload scanned copies of your required documents. Ensure they are legible and in acceptable file formats (e.g., JPEG, PDF, PNG).
How to track the status of my BDO American Express credit card application?
Keep the reference number provided after submission. You can typically track your application status via SMS/email updates from BDO or by calling their customer service hotline.
How to know if my BDO American Express credit card application is approved?
BDO will notify you via SMS and/or email if your application is approved. You can also inquire through their customer service.
How to receive my BDO American Express credit card after approval?
Your card will be delivered to your registered home address. You'll usually receive an SMS notification once it's dispatched.
How to activate my new BDO American Express credit card?
You can activate your card via SMS, BDO Online Banking, by calling the BDO Contact Center, or sometimes through a BDO ATM. Follow the instructions provided with your card.
How to contact BDO customer service for credit card application inquiries?
You can call the BDO Contact Center at (+632) 8888-0000 or the International Toll-Free number (IAC)+800-8-CALLBDO (2255-236) for inquiries and assistance.
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