American Express Gold Card – How to Apply


Owning a gold-colored credit card has never been more valuable. If holding a lot of cash in your wallet stresses you out, then in these kinds of situations, an American Express Gold credit card might just be for you.

Whether it’s for the convenience of cashless shopping, abundant travel rewards, or exclusive deals, the American Express Gold Card is the ideal card for specific reward situations.


Read on as we give you more information about this card, how you can get it, and its benefits that would definitely be ideal for you.

American Express Gold Credit Card
American Express Gold Credit Card. Image source:

American Express Gold Credit Card Features and Benefits

American Express Gold features a 24/7 customer hotline that you can call for inquiries anytime and anywhere offering exceptional service and support. For every dollar you spend on your card, you earn points, which you can exchange for exclusive deals.

Cardholders are also able to get Global Travel Assistance for both local and international travel whenever medical or legal emergencies arise. You also get Travel Accident Protection up to USD 300,000. They will also help you in case you missed a flight, your flight is canceled, and also related issues to your baggage. If you love to shop, you are worry-free, as the card is accepted in millions of establishments around the world.


This card also offers the perks of 10,000 partner boutiques, restaurants, and spas in 75 countries around the world. This offering is part of the Express Selects Program.

With this card, you can also earn and redeem air miles, making it a great option for frequent travelers or business people.

How to Apply for an American Express Gold Credit Card

If the features and benefits of the American Express Gold Card seem to interest you now, here are the requirements to be eligible for one.

You need to have minimum earnings of PHP 850,000 per annum, you should be 21-70 years old at least, you must be a Filipino Citizen of Philippines Resident, and you must have at least one working landline phone. Additionally, you must present a recent valid ID, and proof of income (e.g. latest bank statement).

Interest applicants may visit their nearest BDO bank branch, or you may apply for the card on their American Express website.

American Express Gold Credit Card Interest Rates, APR and Charges

  • Annual Fee – PHP 3,000 per year (first year free)
  • Finance Interest Charge – 3.25% per month
  • Cash Advance Fee – PHP 500 or 5% of the amount withdrawn
  • Late Payment Fee – 7% of the overdue amount
  • Foreign Exchange Conversion Rate – 2.5% applied to the converted amount

BDO Address and Contact Information

BDO Corporate Center Address: 12 ADB Avenue, Ortigas Center, Mandaluyong, Philippines.

Contact bank customer service by reaching (02) 631 8000.


Although this card requires a bigger amount of income per year to qualify you for it, the benefits for the American Express Gold Credit Card are promising and worth it in terms of features, benefits, and great service. You won’t have to worry so much about shopping for the things you want due to the fact that millions of shopping and dining places accept this credit card.

You won’t have to go through the hassle of purchasing additional travel insurance and other airline offerings anymore, as cardholders are already insured, making each travel you make in the Philippines and abroad worry-free.

For those looking for exclusive deals, American Express Gold lets you earn points while you shop for the things you want. These points can also be used to get discounts on major sellers.

If it’s a credit card that needs more but also gives you more than enough benefits, apply for the American Express Gold Card today by visiting your nearest BDO branch, or you can apply on their website to start your application process today.

Note: There are risks involved when applying for and using a credit card. Please see the bank’s Terms and Conditions page for more information.