American Express Platinum Credit Card

American ExpressPlatinumPointsAccepting applications

A premium lifestyle card offering unlimited airport lounge access, travel insurance, and rewards points redeemed toward travel and shopping. Targets affluent travelers seeking exclusive benefits.

Annual fee: Not listed
Min. income: ₱1.1M
Live deals: 115

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Why this card

Highlights

1 point per ₱45 spent or USD 1 on Membership Rewards
Unlimited complimentary airport lounge access
Up to ₱20 million free family travel insurance
1.85% foreign exchange conversion fee
24/7 lifestyle concierge service (until Nov 30, 2026)
First year membership fee waived; ₱600,000 annual spend waiver

Perks

What you get

Lounges

Unlimited complimentary access at partner airport lounges (Marhaba Lounge NAIA Terminal 1, Marhaba Lounge Clark International Airport Terminal 2)

Travel

Up to ₱20 million free family travel insurance when travel tickets charged to card

Lifestyle

24/7 exclusive lifestyle concierge for personalized assistance (available until November 30, 2026)

Dual currency billing option (Philippine Peso or US Dollar)
Virtual Card for secure online shopping
Cash advance up to 30% of credit limit

Installment

Buy Now Pay Later at 0% interest (3 to 36 months, minimum ₱3,000 purchase)

Dining

Exclusive access to dining deals and discounts through BDO Deals partnerships

Rewards

How rewards work

1Membership Rewards® points redeemable for shopping and dining privileges
2Redemption rate and expiry not specified on page

What you'll need

Valid photo-bearing government-issued ID (front and back) - for Filipino applicants: Philsys ID, Passport, Driver's License, SSS ID, etc.; for Foreigners: Employment Contract, Embassy Letter, or valid VISA/work permit with acceptable visa type
Latest Income Tax Return (ITR) duly stamped by BIR or BIR Form 2316 from employer (mandatory for employed applicants)
For employed: latest payslip or Certificate of Employment indicating status and compensation, or last two months credit card statements (1+ year on books)
For self-employed: ITR and Audited Financial Statements for at least 2 years (mandatory), Business Name registration or DTI/SEC registration, and optional last 3 months bank statements

American Express Platinum Credit Card

115 deals for this card

Get up to P300 cashback at Baby Company's Grand Baby Fair with BDO Pay!

Korean Air Online Sale

Up to 15% OFF at Sperry, Keds, Merrell, MBT, and Complex Lifestyle Store

P150 OFF your first foodpanda order

BDO Travel Sale

Pre-order the iPhone 18 Pro and Pro Max at Power Mac Center & The Loop

Upgrade to the iPhone 18 Pro and Pro Max at Silicon Valley!

Apply Online now! Get Free P300 eGC

Upgrade to the latest iPhone 18 on Lazada!

30% OFF SM Megamall Dining Deals

25% OFF at Astons Specialities

30% OFF at Basil

Up to 55% OFF and FREE Pasta at CIBO

Up to P600 off on Lazada every payday

25% OFF at Senju, Edsa Shangri-La Hotel

30% OFF at Shi Lin

30% OFF at Soi Chicken

Cashback Activation Promo

Get up to P500 cashback when you Scan to Pay at supermarkets with BDO Pay!

BUY NOW PAY NEXT YEAR at SM Appliance Center

SM Appliance Center Christmas in October

Up to 30% OFF at The Ascott Limited Philippines

40% OFF at Morton’s The Steakhouse

Up to 55% OFF at The Bistro Group

Highlights

What you get

How rewards work