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BacNet
BDO Unibank, Inc. is regulated by the Bangko Sentral ng Pilipinas: Tel. No. (02) 8708-7087; Email: consumeraff[email protected]; Webchat: bsp.gov.ph.
P100* /month
P200* /month P200/month
For Dollar Charge Cards and accounts with Dual Currency feature, USD payments for your Dollar account/s are
accepted only via: BDO Branches, BDO Online Banking (USD account) and ADA Payment Facility (USD account).
*
**
Enrollment with BDO is required via bdo.com.ph
Enrollment via any BDO branch
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BDO Online Banking*
BDO Branches
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BDO Network Bank Branches
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Auto-Debit Arrangement (ADA) Payment Facility**
Save More Market Branches
SM Bills Payment Counters
Choose Your Credit Card Payment Channels:
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.
AMEX: REVISED AS OF JANUARY 2022
Charged to the BDO Dual Gold Mastercard
First 5 Supplementary is FREE for Life
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
Not applicable to American Express Cashback Credit Card and Cathay Pacific American Express Credit Cards. Frequent Traveler Option (FTO) is not applicable to BDO Dual Gold American Express Card.
USD Fees and Charges are only applicable to cards with Dual Currency feature
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*****
If Cash Advance is availed through an International ATM, a separate withdrawal fee will be charged and may vary per ATM owner.
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When making card payments, please be reminded of the following:
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To pay at any BDO branch, present the upper portion of the statement and keep the machine
validated copy as proof of payment or you may accomplish a transaction slip and indicate the
applicable Institution Code to ensure that payment will be properly posted to the account.
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For check payments*, please make the check payable to “BDO Unibank, In
c. ”. Indicate the Account
Name, Account Number/Card Number and Contact Number at the back of the check.
Pay at least the Minimum Amount Due on or before your Payment Due Date to avoid late payment
charges.
Normal banking regulations on the acceptance and clearing or collection of check payments apply. Post dated checks and
foreign checks drawn on banks outside the Philippines are not accepted as payments.
*
Cathay Pacific
American Express
Credit Card
Fees and Charges
Basic Membership Fee
Supplementary
Membership Fee
Interest Rate (MEIR)
Cash Advance Fee****
Gambling or Gaming Fee
Returned Check Fee /
Auto Debit Arrangement
(ADA) Fee
Minimum Amount Due
Late Payment Charge
Sales Slip Retrieval Fee
Lost Card Replacement Fee
Foreign Exchange
Conversion Rate
Installment Processing Fee
Annual
Membership Rewards
®
Fee*****
SOA Reprint Fee
Refund Fee
Overseas Card Delivery Fee
BDO Dual Gold
American Express Card
Cathay Pacific
American Express
Elite Credit Card
Blue From
American Express
American Express
Credit Card
American Express
Platinum Credit Card
P5,000
/ year
P2,500 / year P2,500 / year**
2.00%
P150
/month
P100
/month
P75 /month
P250 /month
P125
/month
P200 / US$4
5%
of transacted amount or P500 / US$10, whichever is higher
P850 / US$20 or unpaid minimum amount due, whichever is lower US$20 / 7% or unpaid amount, whichever is lower
Installment
Availment Fee
P200 for every approved Cash Availment / Cash-It-Easy transaction
P250 for every approved Balance Convert / Balance Transfer transaction
P1,250 / US$35 per returned check or insufficient ADA account
P800
for Frequent Traveler Option (FTO)
(prior enrollment is required)
P30
or US$1.00 per SOA request
1%
of the amount to be refunded or P100 / US$2.50, whichever is higher
FREE for Non-Frequent Traveler Option (NFTO)
FREE for FTO
(pre-enrolled to FTO)
This is the sum of the following: a)
3% of the outstanding balance less installment amortizations and new transactions posted within the current statement period,
or
P200 / US$5, whichever is higher; b) 3% of installment amortization; c) Overdue Amount; d) Over-Limit Amount.
P300 for each sales slip retrieved for local transactions or P500 for each sales slip retrieved for international transactions
5% of the total remaining balance or P300, whichever is higher
P400 for each Card
N
.A.
N.A.
P2,500 US$50
American Express
Gold Credit Card
American Express
Cashback Credit Card
Retail and Cash Advance transactions (inclusive of cash advance fee)***
US$10 for each sales slip retrieved
US$10 for each Card
FREE for Non-Frequent Traveler Option (NFTO)
US$20 for Frequent Traveler Option (FTO)
(prior enrollment is required)
FREE for FTO
(pre-enrolled to FTO)
US$35 per returned check or insufficient ADA account
American Express
Green Card
American Express
Platinum Card
Gold Card
US$65 / year
US$40
/ year
US$150
/ year
US$75
/ year
N.A.
N.A.
US$750
/ year
N.A.
FREE for Life
(for 4 supplementary accounts)
All transactions made in foreign currency other than U.S. Dollars will be
converted to U.S. Dollars by American Express. A foreign currency factor of
2.5% will be applied to the converted U.S. Dollar amounts, of which 1% is
retained by American Express.
AMERICAN EXPRESS CARDS TABLE OF FEES & CHARGES
Peso Payment to Peso Card
Payment Type
Dollar Payment to Dollar Card
Peso Payment to Dollar Card
0800
Institution Code
0802
0803
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
converted amount, of which 1% is retained by American Express. Any charges converted by third parties prior to being submitted to us have been at rates selected by them.
NOTE: Applicable MEIR will vary depending on the
amount of transaction made within the statement
cycle.
OPENING BALANCE
MONTHLY EFFECTIVE INTEREST RATE (MEIR)
none
2.00%
MONTH
TOTAL
PAYMENT
NO. OF DAYS
STATEMENT
DATE TO
PAYMENT DATE
PAYMENT DATE
TO CYCLE
CUT OFF DATE
RETAIL
PURCHASE
INTEREST
OUTSTANDING
PRINCIPAL
BALANCE
- 210.80
10,000
-
-
-
-
-
-
-
-
-
-
-
-
CASH
ADVANCE
-
-
-
-
-
-
-
-
-
-
-
-
10,000
CASH
ADVANCE
FEE
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-
-
-
-
-
-
-
-
-
-
-
200 10,410.80
(2,100.00) 188.73 18,499.53
(2,100.00) 372.52 16,772.06
(2,100.00) 327.04 14,999.10
(2,100.00) 300.18 13,199.28
(2,100.00) 255.59 11,354.86
(2,100.00) 224.87 9,479.73
(2,100.00) 186.11 7,565.85
(2,100.00) 142.92 5,608.76
(2,100.00) 106.11 3,614.88
(2,100.00) 63.90 1,578.77
(1,578.77) 25.26 25.26
(25.26) -
Total
(22,604.03) 2,404.03
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Cardmember has no beginning balance on his 1
st
statement and makes a Cash Advance transaction of P10,000 on the 1
st
day of the month
Cardmember makes a retail transaction of P10,000 on the 1
st
day of the 2
nd
month
Cardmember is paying every due date, which is every 25
th
of the month
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Assumptions:
SAMPLE FINANCE CHARGE (FC) COMPUTATION FOR RETAIL AND CASH ADVANCE TRANSACTIONS
1
2 24
3 24
4 24
5 24
6 24
7 24
8 24
9 24
10 24
11 24
12 24
13 24
4
7
6
7
6
7
7
6
7
6
7
7
FC Computation - Month 1
(Interest is computed on the Cash Advance and Cash Advance Fee)
Interest = P10,200 x 2% / 30 days x 31 days = P210.80
FC Computation - Month 12
(Cardmember fully paid the Outstanding Balance)
Cardmember will be billed interest even after paying the total outstanding
balance from statement date up to date of full payment
Outstanding Balance x Interest Rate / 30 days x
No. of days
(From Statement Date up to Full Payment Date)
Interest = P1,578.77 x 2% / 30 days x 24 Days = P25.26
FC Computation - Month 2
(No Interest Charges for Retail Purchase transactions made during the statement cycle)
1) Outstanding Balance x Interest Rate / 30 days x
No. of days (From Statement Date to Payment Date)
Interest = P10,410.80 x 2% / 30 days x 24 days = P166.57
2) Outstanding Balance less Payments x Interest Rate / 30 days x
No. of days
Interest = (P10,410.80 - P2,100) x 2% / 30 days x 4 days = P22.16
Total Interest = P188.73
IMPORTANT REMINDER
1.
2.
Paying less than the total amount due will increase the amount of interest and other charges you pay and the time it takes
to repay your balance.
Applicable MEIR will be imposed on the account if:
No payment was made on the Card on Payment Due Date,
Payment made was less than the Total Outstanding Balance stated in the Statement of Account (SOA),
current SOA, or
There is a cash advance transaction.
a.
b.
c.
d.
