AMERICAN EXPRESS® CARDS TABLE OF FEES & CHARGES

BDO Dual Gold American Express American Express American Express American Express
Blue From American Express American Express American Express American Express American Express American Express Co-Brand Co-Brand Elite Platinum Card
Fees and Charges
American Express Cashback Credit Card Explorer™ Credit Card Platinum Credit Card Credit Card Gold Credit Card Credit Card Green Card Gold Card
Card Credit Card
Basic Membership Fee P150 /month P250 /month P4,000 / year P5,000 / year N.A. US$65 / year US$150 / year US$750 / year
Supplementary FREE for Life
P75 /month P125 /month P2,000 / year P2,500 / year 1 N.A. US$40 / year US$75 / year
Membership Fee (for 4 supplementary accounts)

3.00%
Monthly Interest Rate
Retail and Cash Advance transactions (inclusive of cash advance fee)2

P200 for every approved Cash Installment transaction

N.A.
Installment P250 for every approved Balance Transfer transaction
Availment Fee
P250 for every approved Balance Convert Peso transaction or US$10 for every approved Balance Convert Dollar Transaction
P100 for every approved Purchase Convert Peso transaction or US$5 for every approved Purchase Convert Dollar Transaction
Cash Advance Fee3 P200 / US$3.50
Late Payment Charge P850 / US$20 or unpaid minimum amount due, whichever is lower US$20 / 7% of unpaid amount, whichever is lower
This is the sum of the following: a) 3% of the outstanding balance less installment amortizations, over-limit amount and new transactions posted within the
Minimum Amount Due N.A.
current statement period4, or P850 / US$17, whichever is higher; b) 3% of Installment Amortization; c) Overdue Amount; and d) Over-Limit Amount.
Returned Check Fee /
Auto-Debit Arrangement P1,250 / US$35 per returned check or insufficient ADA account US$35 per returned check or insufficient ADA account
(ADA) Fee
Sales Slip Retrieval Fee P300 for each sales slip retrieved for local transactions or P500 for each sales slip retrieved for international transactions US$10 for each sales slip retrieved
Lost Card Replacement Fee P400 for each Card US$10 for each Card
Gambling or Gaming Fee 5% of transacted amount or P500 / US$10, whichever is higher
All transactions made in foreign currency other than U.S. Dollars
Foreign Exchange For foreign charges converted using the prevailing foreign exchange rate of American Express at the time of posting, a conversion factor of 2.5% will be applied to the will be converted to U.S. Dollars by American Express. A foreign currency
Conversion Rate converted amount, of which 1% is retained by American Express. Any charges converted by third parties prior submission to BDO are at rates selected by them. factor of 2.5% will be applied to the converted U.S. Dollar amounts,
of which 1% is retained by American Express.

Installment Processing Fee 5% of the total remaining balance or P300 for PHP-denominated transactions or USD10 for USD-denominated transactions, whichever is higher N.A.
FREE for Non-Frequent FREE for Non-Frequent
Traveler Option (NFTO) N.A. Traveler Option (NFTO) N.A. FREE for Non-Frequent Traveler Option (NFTO)
Annual Membership
Rewards® Program Fee
P800 for Frequent FREE for Frequent US$20 for Frequent Traveler Option (FTO) FREE for FTO
Traveler Option (FTO) N.A. Traveler Option (FTO) N.A. (pre-enrolled to FTO)
(prior enrollment is required) (pre-enrolled to FTO) (prior enrollment is required)

SOA Reprint Fee P30 or US$1.00 per SOA request

Refund Fee 1% of the amount to be refunded or P100 / US$2.50, whichever is higher

Overseas Card Delivery Fee P2,500 US$50 N.A.

1 First 5 Supplementary is FREE for Life.

2 Finance charges will be imposed at the current interest rate on the unpaid Cash Advance balance (inclusive of fees) from acquisition date until
both the Cash Advance balance and its related charges are paid in full.
3 If Cash Advance is availed through an International ATM, a separate withdrawal fee will be charged and may vary per ATM owner.
4 The new transactions posted within the current statement period will not be deducted from the computation of the 3% of the Outstanding
Balance in case the Credit Card account is in past due status or has an over-limit amount.

Note: Interest rates are determined by BDO and subject to change in accordance with prevailing market rates. In case of conflict between the provisions of these reminders and the Terms and Conditions
Governing the Issuance and Use of the American Express Credit Cards, the latter shall prevail. All fees and charges are subject to change upon notice. BDO reserves the right to re-impose waived
fees/charges. For complete definition of Statement of Account terms, visit bdo.com.ph. To view the complete Terms and Conditions visit americanexpress.com.ph.

Choose Your Credit Card Payment Channels: When making card payments, please be reminded of the following:
PAYMENT POSTED ON THE SAME BANKING DAY PAYMENT POSTED ON THE NEXT BANKING DAY • To pay at any BDO branch, present the upper portion of the statement and keep • For check payments*, please make the check payable to “BDO Unibank, Inc.”. Indicate
• BDO Online Banking • BancNet the machine validated copy as proof of payment or you may accomplish a the Account Name, Account Number/Card Number and Contact Number at the back
• BDO Branches & Network Bank Branches • Savemore Market Branches transaction slip and indicate the application Institution Code to ensure that of the check.
• BDO Automated Teller Machines (ATMs) • SM Bills Payment Counters (including payment will be properly posted to the account. • Pay at least the Minimum Amount Due on or before your Payment Due Date to avoid
• BDO Cash Acceptance Machines (CAMs) SM Supermarket and SM Hypermarket) late payment charges.
• Auto-Debit Arrangement (ADA) Payment Facility
Normal banking regulations on the acceptance and clearing or collection of check payments apply. Post dated
For American Express Dollar Charge Cards and accounts with Dual Currency feature, USD payments for your Dollar account/s are Payment Type Institution Code * checks and foreign checks drawn on banks outside the Philippines are not accepted as payments.
accepted only via: BDO Branches, BDO Online Banking (USD account) and ADA Payment Facility (USD account). For American Express Peso Payment to Peso Card 0800
Dollar Charge Cards, ADA payment is scheduled 25 days from Statement Date. Dollar Payment to Dollar Card 0802
Notes: Peso Payment to Dollar Card 0803
• Bills payments via BDO Online, CAMs and ATMs made after 10:00PM are considered next banking day transactions.
• For BDO Online Banking and ADA Payment Facility, enrollment is via any BDO Branch or bdo.com.ph.
• For Check Payment (Peso and Dollar), payment is subject to clearing cut-off.

SAMPLE FINANCE CHARGE (FC) COMPUTATION FOR RETAIL AND CASH ADVANCE TRANSACTIONS
OPENING BALANCE none FC Computation - Month 1
MONTHLY INTEREST RATE 3.00% (Interest is computed on the Cash Advance and Cash Advance Fee)
NO. OF DAYS
CASH OUTSTANDING
RETAIL
MONTH STATEMENT PAYMENT DATEPURCHASE CASH ADVANCE TOTAL INTEREST PRINCIPAL Interest = P10,200 x 3% / 30 days x 31 days = P316.20
DATE TO TO CYCLE ADVANCE FEE PAYMENT
BALANCE
PAYMENT DATE CUT OFF DATE
FC Computation - Month 2
1 - 10,000 200 - 316.20 10,516.20
(No Interest Charges for Retail Purchase transactions made during the statement cycle)
2 24 4 10,000 - - (2,000.00) 286.45 18,802.65
1) Outstanding Balance x Interest Rate / 30 days x
3 24 7 - - - (2,000.00) 568.88 17,371.54 No. of days (From Statement Date to Payment Date)
4 24 6 - - - (2,000.00) 509.15 15,880.68 Interest = P10,516.20 x 3% / 30 days x 24 days = P252.39
5 24 7 - - - (2,000.00) 478.30 14,358.98
2) Outstanding Balance less Payments x Interest Rate / 30 days x
6 24 6 - - - (2,000.00) 418.77 12,777.75
No. of days
7 24 7 - - - (2,000.00) 382.11 11,159.86
Interest = (P10,516.20 - P2,000) x 3% / 30 days x 4 days = P34.06
8 24 7 - - - (2,000.00) 331.96 9,491.82
Total Interest = P286.45
9 24 6 - - - (2,000.00) 272.75 7,764.57
10 24 7 - - - (2,000.00) 226.70 5,991.27 FC Computation - Month 12
11 24 6 - - - (2,000.00) 167.74 4,159.01 (Cardmember fully paid the Outstanding Balance)

12 24 7 - - - (4,159.01) 99.82 99.82 Cardmember will be billed interest even after paying the total outstanding
balance from statement date up to date of full payment
13 24 7 - - - (99.82) - -
Outstanding Balance x Interest Rate / 30 days x
Total (24,258.83) 4,058.83 No. of days (From Statement Date up to Full Payment Date)
Assumptions:
Cardmember has no beginning balance on his 1st statement and makes a Cash Advance transaction of P10,000 on the 1st day of the month Interest = P4,159.01 x 3% / 30 days x 24 days = P99.82
Cardmember makes a retail transaction of P10,000 on the 1st day of the 2nd month
Cardmember is paying every due date, which is every 25th of the month

BDO Unibank, Inc. is regulated by the Bangko Sentral ng Pilipinas: https://www.bsp.gov.ph.

The BDO, BDO Unibank and other BDO-related trademarks are owned by BDO Unibank, Inc. All Rights Reserved.
BDO Customer Contact Center: (+632) 8631-8000 AMEX: REVISED AS OF FEBRUARY 2024