BDO Credit Cards

Find your perfect match from a wide range of BDO Credit Card products designed for individuals with different needs. Enjoy the most number of special deals and promos when you shop anywhere. Earn higher rewards points and enjoy rebates from your favorite stores nationwide.

BDO American Express® Cashback Credit Card

BDO American Express® Cashback Credit Card

  • 5% cashback for the first 3 months of your card issuance
  • Cashback on your purchases, 1% on local and 2% on overseas, without minimum spending.
  • Withdraw at any BDO branches or ATM overseas of up to 30% of your credit limit.
  • Income Requirement: PHP420,000.00 Gross Annual Income
  • Monthly Effective Interest Rate 3.50 %
BDO American Express® Credit Card

BDO American Express® Credit Card

  • 0% interest on installment for a minimum single or accumulated purchase of PHP3,000.00. Choose from 3,6,9,12,18,24 or 36 monthly installment.
  • Get up to 12% OFF for a minimum spend of PHP500.00 at Flowerstore using your BDO Credit Card. Promo period from February 10, 2019 to June 10, 2019.
  • Earn credit card point for every spending of PHP50.00 = 1 point
  • Reward points can be converted into airmile
  • Balance transfer for as low as 0.88% monthly add on rate for a flexible term of 3-24 months
  • Global Travel assistance for Medical and Legal Emergencies
  • Income Requirement: PHP480,000.00 Gross Annual Income
  • Monthly Effective Interest Rate 3.50 %
BDO American Express® Gold Credit Card

BDO American Express® Gold Credit Card

  • 0% interest on installment for a minimum single or accumulated purchase of PHP3,000.00. Choose from 3,6,9,12,18,24 or 36 monthly installment.
  • FREE Travel Accident Insurance of up to PHP10 Million when you charge your travel fare to your card
  • Get up to 12% OFF for a minimum spend of PHP500.00 at Flowerstore using your BDO Credit Card. Promo period from February 10, 2019 to June 10, 2019.
  • Earn Membership reward point for every spending of PHP45.00 = 1 point
  • Purchases are insured within 30 days from loss, damaged or theft of up to PHP50,000.00
  • Reward points can be converted into airmile
  • Balance transfer for as low as 0.88% monthly add on rate for a flexible term of 3-24 months
  • Global Travel assistance for Medical and Legal Emergencies
  • Income Requirement: PHP850,000.00 Gross Annual Income
  • Monthly Effective Interest Rate 3.25 %
BDO American Express® Platinum Credit Card

BDO American Express® Platinum Credit Card

  • 0% interest on installment for a minimum single or accumulated purchase of PHP3,000.00. Choose from 3-36 monthly installment.
  • Get up to 12% OFF for a minimum spend of PHP500.00 at Flowerstore using your BDO Credit Card. Promo period from February 10, 2019 to June 10, 2019.
  • FREE access to over 900 VIP lounges in over 75 countries
  • Earn membership reward point for every spending of PHP45.00 = 1 point
  • 24/7 Concierge service
  • Reward points can be converted into airmile
  • Balance transfer for as low as 0.88% monthly add on rate for a flexible term of 3-24 months
  • Global travel assistance for Medical and Legal Emergencies
  • Income Requirement: PHP1,800,000.00 Gross Annual Income
  • Monthly Effective Interest Rate 3.00 %
BDO Bench Mastercard

BDO Bench Mastercard

  • 0% installment on minimum purchase of P3,000 with a maximum term of up to 36 months
  • Get up to 12% OFF for a minimum spend of PHP500.00 at Flowerstore using your BDO Credit Card. Promo period from February 10, 2019 to June 10, 2019.
  • Pay for school expenses or reimburse your cash purchases (at least 5,000) at an affordable installment plans
  • Secured online shopping by getting your virtual card for FREE
  • For Bench partners earn 2x credit card points for every P200 spending, and 1 point for Non-Bench partners global brands
  • Balance Transfer for as low as 0.88% monthly add on rate for a flexible term of 3-24 months
  • Enjoy up to 20% discount when you shop on your birthday at any participating Bench Partners Global Brand for a minimum spend of PHP1,500.00
  • Income Requirement: PHP180,000.00 Gross Annual Income
  • Monthly Effective Interest Rate 3.25 %
BDO Blue from American Express®

BDO Blue from American Express®

  • 0% interest on installment for a minimum single or accumulated purchase of P3,000. Choose from 3-36 monthly installment.
  • Get up to 12% OFF for a minimum spend of PHP500.00 at Flowerstore using your BDO Credit Card. Promo period from February 10, 2019 to June 10, 2019.
  • Earn credit card point for every spending of PHP40.00 = 1 point, convert 1 point=1Mile
  • Balance Transfer for as low as 0.88% monthly add on rate for a flexible term of 3-24 months
  • Income Requirement: PHP180,000.00 Gross Annual Income
  • Monthly Effective Interest Rate 3.50 %
BDO Cathay Pacific American Express® Credit Card

BDO Cathay Pacific American Express® Credit Card

  • 0% interest on installment for a minimum single or accumulated purchase of PHP3,000.00. Choose from 3-36 monthly installment.
  • FREE Travel Accident Insurance of up to PHP10 Million when you charge your travel fare to your card
  • FREE Travel Inconvenience Protection with coverage of up to PHP60,000.00.
  • Get up to 12% OFF for a minimum spend of PHP500.00 at Flowerstore using your BDO Credit Card. Promo period from February 10, 2019 to June 10, 2019.
  • Earn membership reward point for every spending of PHP42.00 = 1 point
  • Reward points can be converted into airmile
  • Balance transfer for as low as 0.88% monthly add on rate for a flexible term of 3-24 months
  • FREE Accident Medical Expense with coverage of up to PHP50,000.00 per family if travel fare charged to your credit card
  • Income Requirement: PHP480,000.00 Gross Annual Income
  • Monthly Effective Interest Rate 3.50 %
BDO Cathay Pacific American Express® Elite Credit Card

BDO Cathay Pacific American Express® Elite Credit Card

  • 0% interest on installment for a minimum single or accumulated purchase of PHP3,000.00. Choose from 3-36 monthly installment.
  • FREE Travel Accident Insurance of up to PHP15 Million.
  • Get up to 12% OFF for a minimum spend of PHP500.00 at Flowerstore using your BDO Credit Card. Promo period from February 10, 2019 to June 10, 2019.
  • FREE Travel Inconvenience Protection with coverage of up to PHP80,000.00
  • FREE Accident Medical Expense with coverage of up to PHP80,000.00 per family if travel fare charged to your credit card
  • Earn Membership reward point for every spending of PHP38.00 = 1 point
  • Reward points can be converted into airmile
  • Balance transfer for as low as 0.88% monthly add on rate for a flexible term of 3-24 months
  • Income Requirement: PHP1,200,000.00 Gross Annual Income
  • Monthly Effective Interest Rate 3.25 %
BDO Diners Club International

BDO Diners Club International

  • FREE Travel Accident and Inconvenience Insurance coverage of up to PHP5 Million when you charge your fare to your Diners Club Credit Card
  • Get MIASCOR Lounges access to over 500 airport lounges around the world.
  • Every PHP20.00 charged to your Diners Club Credit Card is equivalent to 1 rewards point
  • With exclusive privileges in over 70 different countries
  • Dual currency billing
  • Income Requirement: PHP420,000.00 Gross Annual Income
  • Monthly Effective Interest Rate 3.50 %
BDO Diners Club Premier

BDO Diners Club Premier

  • FREE Travel Accident and Inconvenience Insurance coverage of up to PHP10 Million when you charge your fare to your Diners Club Credit Card
  • Every PHP20.00 charged to your Diners Club Credit Card is equivalent to 1 rewards point
  • With exclusive privileges in over 70 different countries
  • With lowest balance transfer rate
  • Income Requirement: PHP1,000,000.00 Gross Annual Income
  • Monthly Effective Interest Rate 3.25 %
BDO Forever21 Mastercard

BDO Forever21 Mastercard

  • 0% interest on installment for a minimum single or accumulated purchase of PHP3,000.00. Choose from 3-36 monthly installment.
  • Get up to 12% OFF for a minimum spend of PHP500.00 at Flowerstore using your BDO Credit Card. Promo period from February 10, 2019 to June 10, 2019.
  • 10% year round rebate when you shop at Forever 21 for a minimum spend of PHP3,000.00, 21% rebate every 21st of the month
  • Earn 21x credit card points when you shop at Forever21 SM 3-day sale for a minimum spend of PHP2,000.00
  • Balance Transfer for as low as 0.88% monthly add on rate for a flexible term of 3-24 months
  • Avail of 21% discount when you shop on your birthday month for a minimum spend of PHP2,000.00
  • Income Requirement: PHP180,000.00 Gross Annual Income
  • Monthly Effective Interest Rate 3.25 %
BDO Gold Mastercard

BDO Gold Mastercard

  • FREE Travel Accident Insurance of up to PHP5 million when you charge your travel fare to your card
  • FREE membership fee for one (1) year. Automatic annual membership fee waiver for a spend of at least PHP180,000/year for Gold cardholders
  • Enjoy exclusive treats, freebies, and discounts when you shop using your BDO credit card at any partner stores
  • Get up to 12% OFF for a minimum spend of PHP500.00 at Flowerstore using your BDO Credit Card. Promo period from February 10, 2019 to June 10, 2019.
  • Earn one (1) credit card point for every PHP50 spent
  • Get 2x points on every dining and entertainment spend
  • Enjoy dual currency billing
  • Income Requirement: PHP420,000.00 Gross Annual Income
  • Monthly Effective Interest Rate 3.25 %
BDO Installment Card

BDO Installment Card

  • 0% interest on installment for a minimum single or accumulated purchase of P3,000. Choose from 3-36 monthly installment.
  • Get up to 12% OFF for a minimum spend of PHP500.00 at Flowerstore using your BDO Credit Card. Promo period from February 10, 2019 to June 10, 2019.
  • Light Payment Term for up to 36 months
  • Income Requirement: PHP120,000.00 Gross Annual Income
  • Monthly Effective Interest Rate 3.00 %
BDO JCB Gold

BDO JCB Gold

  • 0% interest on installment for a minimum single or accumulated purchase of PHP3,000. Choose from 3,6,9,12,18,24 or 36 monthly installment.
  • FREE Travel Accident of up to PHP5 Million when you charge your travel fare to your card
  • FREE Travel Inconvenience Insurance of up to PHP1,250.00 for every 8-hours flight or baggage delay and up to PHP30,000.00 for lost or damaged baggage
  • Get up to 12% OFF for a minimum spend of PHP500.00 at Flowerstore using your BDO Credit Card. Promo period from February 10, 2019 to June 10, 2019.
  • FREE Accident Medical Expense with coverage of up to PHP5,000.00 per family if travel fare charged to your credit card
  • Earn credit card point for every spending of PHP50.00 = 1 point
  • Balance transfer for as low as 0.88% monthly add on rate for a flexible term of 3-24 months
  • Income Requirement: PHP420,000.00 Gross Annual Income
  • Monthly Effective Interest Rate 3.25 %
BDO JCB Lucky Cat

BDO JCB Lucky Cat

  • 0% interest on installment for a minimum single or accumulated purchase of PHP3,000.00. Choose from 3,6,9,12,18,24 or 36 monthly installment.
  • Get up to 12% OFF for a minimum spend of PHP500.00 at Flowerstore using your BDO Credit Card. Promo period from February 10, 2019 to June 10, 2019.
  • Earn credit card point for every spending of PHP50.00 = 1 point
  • Balance transfer for as low as 0.88% monthly add on rate for a flexible term of 3-24 months
  • Income Requirement: PHP180,000.00 Gross Annual Income
  • Monthly Effective Interest Rate 3.50 %
BDO LausAutoGroup Mastercard

BDO LausAutoGroup Mastercard

  • With an installment program for a maximum of 36 months term with a minimum single or accumulated purchase amounting to PHP3,000.00
  • Earn 10 points for every PHP200.00 spend on fuel purchases
  • PHP200.00 spend = 10 points which can be exchange for products and services from participating Laus Group of Companies
  • With 10% discount on all LausAutoGroup dealership parts and services
  • Income Requirement: PHP180,000.00 Gross Annual Income
  • Monthly Effective Interest Rate 3.25 %
BDO Platinum Mastercard

BDO Platinum Mastercard

  • 0% interest on installment for a minimum single or accumulated purchase of PHP3,000.00. Choose from 3-36 monthly installment.
  • FREE Travel Accident Insurance of up to PHP20 Million when you charge your travel fare to your card
  • Get up to 12% OFF for a minimum spend of PHP500.00 at Flowerstore using your BDO Credit Card. Promo period from February 10, 2019 to June 10, 2019.
  • FREE access to over 900 VIP lounges in over 75 countries
  • Earn 1 credit card point for every PHP40.00 spending for local transactions
  • 24/7 Concierge Service
  • Balance transfer for as low as 0.88% per month, for a flexible term of 3-24 months
  • Income Requirement: PHP420,000.00 Gross Annual Income
  • Monthly Effective Interest Rate 2.75 %
BDO ShopMore Mastercard

BDO ShopMore Mastercard

  • FREE SM Advantage Card
  • 0% interest on installment with a minimum purchase of PHP3,000.00 at all partner merchant stores
  • Enjoy exclusive online deals and freebies upon using your BDO credit card at any participating website
  • Get up to 12% OFF for a minimum spend of PHP500.00 at Flowerstore using your BDO Credit Card. Promo period from February 10, 2019 to June 10, 2019.
  • Get a 5% rebate during SM's 3-Day Sale events for a minimum spend of PHP5,000.00
  • Earn one (1) point for every PHP20,000.00 spent at Petron
  • Get a low-interest rate of 0.88% for 12 months when you transfer your outstanding balance from other credit cards
  • Earn an additional 10% discount on top of the regular points earned on your SM Advantage card
  • Income Requirement: PHP180,000.00 Gross Annual Income
  • Monthly Effective Interest Rate 3.50 %
BDO Standard Mastercard

BDO Standard Mastercard

  • Enjoy absolutely 0% interest on installment and affordable monthly add-on rates at partner establishments
  • Gas up at any participating gasoline station and earn one (1) point for every PHP50.00 spend
  • Get up to 12% OFF for a minimum spend of PHP500.00 at Flowerstore using your BDO Credit Card. Promo period from February 10, 2019 to June 10, 2019.
  • Enjoy exclusive online deals and treats upon using your BDO credit card at any partner websites
  • Earn one (1) credit card point for every PHP50.00 charged to your BDO credit card
  • Receive one (1) reward point on your groceries for every PHP50.00 spend
  • Spend anywhere using your BDO credit card and get instant freebies on top of the points you earn
  • Balance transfer for as low as 0.88% monthly add on rate for a flexible term of 3-24 months
  • Income Requirement: PHP180,000.00 Gross Annual Income
  • Monthly Effective Interest Rate 3.50 %
BDO Titanium Mastercard

BDO Titanium Mastercard

  • FREE Travel Accident and Inconvenience Insurance coverage of up to PHP20 million
  • Get up to 12% OFF for a minimum spend of PHP500.00 at Flowerstore using your BDO Credit Card. Promo period from February 10, 2019 to June 10, 2019.
  • Get exclusive access to over 950 VIP airport lounges in over 300 countries and 75 countries
  • Avail special rates and packages at our partner hotels and resorts
  • Enjoy dual currency billing
  • Enjoy convenient, safe and hassle-free payment wherever you are in the world
  • Income Requirement: PHP420,000.00 Gross Annual Income
  • Monthly Effective Interest Rate 2.75 %
BDO UnionPay Gold

BDO UnionPay Gold

  • 0% interest on installment for a minimum single or accumulated purchase of PHP3,000.00. Choose from 3,6,9,12,18,24 or 36 monthly installment.
  • FREE Travel Accident Insurance of up to PHP5 Million when you charge your travel fare to your card
  • Get up to 12% OFF for a minimum spend of PHP500.00 at Flowerstore using your BDO Credit Card. Promo period from February 10, 2019 to June 10, 2019.
  • FREE Travel Inconvenience Protection with coverage of up to PHP1,250.00 for every 8-hour flight and up to PHP30,000.00 for lost baggage
  • Balance transfer for as low as 0.88% monthly add on rate for a flexible term of 3-24 months
  • Income Requirement: PHP420,000.00 Gross Annual Income
  • Monthly Effective Interest Rate 3.25 %
BDO Visa Classic

BDO Visa Classic

  • 0% interest on installment for a minimum single or accumulated purchase of P3,000. Choose from 3-36 monthly installment.
  • Get up to 12% OFF for a minimum spend of PHP500.00 at Flowerstore using your BDO Credit Card. Promo period from February 10, 2019 to June 10, 2019.
  • Earn credit card point for every spending of PHP50.00 = 1 point
  • Balance transfer for as low as 0.88% monthly add on rate for a flexible term of 3-24 months
  • Income Requirement: PHP180,000.00 Gross Annual Income
  • Monthly Effective Interest Rate 3.50 %
BDO Visa Gold

BDO Visa Gold

  • 0% interest on installment for a minimum single or accumulated purchase of P3,000. Choose from 3-36 monthly installment.
  • FREE Travel Accident Insurance of up to PHP5 Million when you charge your travel fare to your card.
  • Get up to 12% OFF for a minimum spend of PHP500.00 at Flowerstore using your BDO Credit Card. Promo period from February 10, 2019 to June 10, 2019.
  • Earn credit card point for every spending of PHP50.00 = 1 point, earn 2 points on spending on Dining and Entertainment
  • Balance Transfer for as low as 0.88% monthly add on rate for a flexible term of 3-24 months
  • Income Requirement: PHP420,000.00 Gross Annual Income
  • Monthly Effective Interest Rate 3.25 %
BDO Visa Platinum

BDO Visa Platinum

  • 0% interest on installment for a minimum single or accumulated purchase of P3,000. Choose from 3-36 monthly installment.
  • FREE Travel Accident Insurance of up to PHP20 Million when you charge your travel fare to your card
  • Get up to 12% OFF for a minimum spend of PHP500.00 at Flowerstore using your BDO Credit Card. Promo period from February 10, 2019 to June 10, 2019.
  • FREE access to over 600 VIP lounges in over 75 countries
  • 24/7 Concierge Service
  • Balance Transfer for as low as 0.88% monthly add on rate for a flexible term of 3-24 months
  • Income Requirement: PHP420,000.00 Gross Annual Income
  • Monthly Effective Interest Rate 2.75 %

FAQs

How can I check the status of my BDO credit card application?

To check your BDO credit card application status, you may visit the bank's website directly. You will then be asked to input your TIN and SSS number.

If still in process, it will be labeled as "pending." If the application is unsuccessful, it will be labeled as "declined." For approved credit card applications, the card will be delivered to the address you stated in the application form.

How soon will I know if I'm approved?

Typically, it takes seven (7) banking days upon complete submission of documents to find out whether your credit card application has been approved. All application are subject to evaluation and final approval of BDO.

How will I receive my approved credit card from BDO?

Once approved, your BDO credit card will be delivered to your home address within seven banking days from the date of the approval.

How can I settle my card billing and how much is the minimum monthly payment?

You can settle your credit card dues via online payment or at any BDO branch. Minimum payment is at 3% of your outstanding balance (less installment amortization, if any). You must pay it in full, and this includes the total amount of dues and excess of the overall credit limit.

BDO Credit Card Application

Applicants with existing cards
  • Photocopy of latest BIR Form 2316 and Certificate of Employment (COE) or latest full month payslip
  • Photocopy of last two (2) months' credit card statement of account
  • Government issued ID
First time applicants (Employed)
  • Photocopy of latest BIR Form 2316 signed by employer's authorized representative
  • Original copy of Certificate of Employment and Income (COEI) indicating status, length of service, and compensation breakdown
  • Photocopy of latest full month payslip
Self Employed
  • Photocopy of Registration of Business Name
  • Photocopy of latest ITR and W4 with BIR/Bank Stamp
  • Audited Financial Statements for the last two years; OR
  • Bank Statements for the last three months

Eligibility Requirements:

  • You must be at least 21 years old and not over 70 upon card application.
  • You must be a Filipino citizen or a foreigner who is residing in the Philippines for the last 2 years.
  • You must be a regular employee or if self-employed your business must be operating for at least 2 years.
  • You must have at least one office or home landline and a mobile phone number.
  • Required minimum annual income per BDO credit card:
  • BDO Blue from American Express - P180,000
  • BDO American Express Cashback Credit Card – P420,000
  • BDO Gold Mastercard – P420,000
  • BDO LausAutoGroup Mastercard - P180,000
  • BDO Visa Gold – P420,000
  • BDO Diners Club International – P420,000
  • BDO Diners Club Premier – P1,000,000
  • BDO American Express Platinum Credit Card – P1,800,000
  • BDO Cathay Pacific American Express Credit Card – P480,000
  • BDO JCB Gold - P420,000
  • BDO UnionPay Gold - P420,000
  • BDO Visa Platinum - P420,000
  • BDO Titanium Mastercard - P420,000
  • BDO Platinum Mastercard - P420,000
  • BDO American Express Credit Card – P480,000
  • BDO American Express Gold Credit Card – P850,000
  • BDO ShopMore Mastercard – P180,000
  • BDO Standard Mastercard - P180,000
  • BDO JCB Lucky Cat - P180,000
  • BDO Visa Classic - P180,000
  • BDO Forever 21 Mastercard - P180,000
  • BDO Bench Mastercard - P180,000
  • BDO Installment Card – P120,000

Fees & Charges

These fees, charges, and interest rates apply to all BDO credit cards.

Monthly effective interest rate2.75% - 3.50%
Annual Fee: Principal cardPHP1,500 - PHP5,000
Annual Fee: Supplementary cardPHP750 - PHP2,500
Cash advance fee5% of the amount withdrawn or PHP500 / US$10 whichever higher
Late payment feeup to 7% of the overdue amount
Lost card replacement feePHP400

BDO Credit Card Promos

  • 50% OFF at Belmont Hotel using your BDO credit card. Promo period from April 1 to December 22, 2019.
  • Using your new BDO Visa Gold for a minimum spend get a FREE Delsey Backpack or Luggage.
  • Get a FREE dish at Classic Savory when you use your BDO credit card for a minimum purchase of PHP1,500.00. Promo period until September 10, 2019.
  • Get 50% discount at Gloria Maris using your BDO World Elite Mastercard, Platinum Mastercard, Titanium and Gold Mastercard.
  • 15% OFF on accommodation for a minimum spend of PHP1,500.00, when you use your BDO credit card to book at Travelbook.ph.