• BDO Cathay Pacific American Express Elite Credit Card

    BDO Cathay Pacific American Express Elite Credit Card
    Credit Card
    Annual Fee
    Reward type
    BDO Cathay Pacific American Express Elite Credit Card
    Annual Fee:
    P4,000
    Free for 1st year
    Reward type:
    Travel, Shopping, Utilities, Dining and Premium

    Overview of BDO Cathay Pacific American Express Elite credit card

    BDO is one of the leading banks in Philippines offering a wide variety of financial products designed to suit the varied financial needs of its customers in Philippines. Credit card is one of the famous financial products offered by the bank. BDO Cathay Pacific American Express Elite credit card lets you avail amazing rewards in the form of miles whenever you spend on the card. These miles can be collected and redeemed for various travel benefits. Read on to know more about this travel credit card.

    Features and Benefits

    Listed below are the features and benefits of the card:

    • It is a travel credit card.
    • The card offers rewards in the form of air miles on everyday spends.
    • The card offers reward points for both local and overseas spends.
    • The annual fee is waived off for the first year.
    • The card is available to both nationals and Foreigners.
    • Low rate of interest.
    • Supplementary cards available.
    • Hassle free application process.
    • Easy and minimal documentation.
    • Can be applied for online and offline.

    Rewards

    Given below is the detailed explanation of the rewards scheme on the card:

    • The card offers 1 Asia Mile for every P38 spent locally.
    • The card offers 2 Asia Miles for every P50 spent Overseas.
    • The card offers 2 Asia Miles for every P50 spent on Cathay Pacific bookings made through Cathay Pacific website.

    Insurance Offered by BDO Cathay Pacific American Express Elite credit card

    The card offers purchase protection for durable purchased through the card. The bank will guarantee to protect your purchases on the Card from loss, theft or damage within 30 days from date of purchase. The purchase protection feature will reimburse you for the amount charged on the card for the durable. Coverage is limited up to P75,000 per item, up to P400,000 per annum.

    Travel insurance- The card also offers travel insurance up to P10 million and P60,000 for Travel inconvenience protection.

    Supplementary Cards

    One can avail up to 3 supplementary cards with the BDO Cathay Pacific American Express Elite credit card. The supplementary fee is waived off for the first year. The applicant for the supplementary card should be above the age of 14 years.

    Security Feature

    The bank has ensured that your transactions stay protected with the card:

    • BDO Merchant Online Reporting System (MORS)- This facility is a secured web-based system where you can view current and historical peso or dollar credit card transactions online anywhere.
    • SMS Alerts- Every time you make a transaction on your credit card, you will receive a message on your registered mobile number with details of the transactions.
    • Email Alerts- Every time you make a transaction on your credit card, you will receive a message on your registered email ID with details of the transaction.

    Eligibility Criteria

    Given below is the eligibility criteria for the card:

    • The applicant should be in the age range of 21 to 70 years old.
    • The applicant should be earning a minimum income of P 1,200,000 per annum.
    • The applicant must be a Philippine resident or a Filipino citizen.
    • The applicant must be an Air Asia member.
    • The applicant should possess the required documents.

    Documents Required

    Given below is a list of documents required in order to apply for the card:

    For Filipino citizens

    • Proof of Income-
      • For Employed (Required): Photocopy of latest BIR Form 2316 signed by employer's authorized representative AND one of the following:
        • Original copy of Certificate of Employment and Income (COEI) indicating status, length of service, and compensation breakdown
        • Photocopy of latest full month payslip
    • For Self-Employed (Required):
      • Photocopy of Registration of Business Name
      • For Single Proprietorship issued by DTI
      • For Partnership/Corporation issued by SEC
      • Photocopy of latest ITR and W4 with BIT/Bank Stamp Audited Financial Statements for the last 2 years; OR
      • Bank Statements for the last 3 months
    • Proof of identity- Any government issued ID

    For foreigners

    • Copy of Employment Contract or Certificate of Employment
    • Letter from Embassy (if Embassy Official)
    • Submit photocopy of ANY ONE of the following:
      • Valid Passport with Resident Visa
      • Work Permit and Valid Visa
      • Special Investor's Resident Visa and Visa's Philippine Economic Zone Authority or Visa with EO22
      • ACR or ICR or ACR-1

    Fees and Charges

    Given below is a list of fees and charges charged on the credit card:

    Feature Fee
    Primary card annual fee P4,000 (Annual fee waived for the first year)
    Supplementary card annual fee P2,000 (Annual fee waived for the first year
    Cash advance 30% limit
    Finance Charge 3.25% per annum

    How to apply for BDO Cathay Pacific American Express Elite credit card?

    Applying for card BDO Cathay Pacific American Express Elite credit card is very easy. The applicant can either apply for the credit card online or do it offline at one of the bank’s branches in Philippines.

    • Online- The applicant can visit the official website of the bank if they wish to apply for the card online. At the official website, the applicant can choose the card of their choice and apply for it by downloading the form and submitting it with relevant documents. The applicant can also apply for the card on third party financial websites.
    • Offline- If the cardholder wishes to apply for the card offline, they can do so by visiting one of the bank’s branches in Philippines.

    How to report a stolen card?

    In case you lose your BDO Cathay Pacific American Express Elite credit card, you should inform the bank immediately. If you have lost or misplaced your credit card, contact the bank immediately so that the bank can take immediate action. The cardholder is liable for any charges made on the card when the card is misplaced or stolen and the bank hasn’t been informed about the same.


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