BDO Credit Cards

BDO Credit Cards For Travel

BDO Credit Cards For Cashback

BDO Credit Cards For Rewards

Still undecided? You can also browse our interactive comparison table featuring BDO credit cards, where you can filter options based on key features such as cashback, rewards programs, travel insurance, and even cards with waived annual fees.

Looking specifically for cards with complimentary lounge access or No Annual Fee for Life (NAFFL) offers? Simply use the dropdown filters to instantly narrow down your choices and find the BDO card that fits your needs.

How to Choose the Right BDO Credit Card

With over 20 credit card options available, choosing the right BDO credit card comes down to understanding your spending habits, financial priorities, and lifestyle needs.

• For Rewards: If you regularly shop, dine out, or want flexible points, consider cards like the BDO Visa Platinum, BDO Platinum Mastercard, or BDO Gold Mastercard. These cards let you earn reward points on everyday spending that you can redeem for cash credits, travel, or merchandise.
  
• For Cashback: If you prefer automatic rebates instead of tracking points, the BDO Visa Signature and BDO Amex Cashback are strong options. They’re ideal for cardholders who want straightforward savings on eligible purchases.
  
• For Travel: Frequent flyers can benefit from premium cards like the BDO World Elite Mastercard, BDO Amex Platinum, or BDO Diners Club Premiere, which offer lounge access, travel insurance, and global acceptance. If you travel abroad often, you may also want to choose a card with a lower forex fee like BDO Diamond UnionPay.
  
• For Beginners: First-time credit card users may find entry-level options like the BDO Visa Classic, BDO Standard Mastercard, or BDO Blue Amex more accessible, as they come with lower fees while still earning rewards.

How to Apply for a BDO Credit Card

Applying for a BDO credit card online is a convenient process that typically takes between 5 to 10 minutes, provided you have your documents ready.

You can complete the entire process online by submitting your application through their website.

1. Visit the BDO credit card online application form.
2. Indicate whether:
   • you are an existing BDO customer (e.g., you have a savings account or other credit card accounts).
   • you are a primary credit card holder of other banks. If yes, input your card details.
   • you have log-in access to BDO online.
3. Enter your personal and contact details. Make sure to use an active email address and mobile number to receive communication regarding your application.
4. Submit a valid ID and proof of income. You can check the list of acceptable documents below.
5. Fill in the employment details.
6. Review the application summary and submit once finalized.
7. Monitor your email and phone in case BDO contacts you for additional details or documents.

BDO-Accepted Proof of Identity

• Phil ID
• ePhil ID
• Passport
• Voter’s ID
• SSS/GSIS ID
• Driver’s License
• BIR/TIN ID
• PRC ID
• Postal ID
• Company ID issued by private entities or institutions registered or supervised by BSP, SEC, or IC.

BDO-Accepted Proof of Income

If with another credit card (1 year or longer):

• Last 2 months’ statement of account (SOA)

If employed:

• Latest income tax return (ITR) duly stamped by BIR
• BIR Form 2316
• Latest month’s payslip
• Certificate of Employment (COE) indicating status, service tenure, and compensation breakdown

If self-employed:

• Latest income tax return (ITR) duly stamped by BIR and 2-year audited financial statement
• Registration of business Name from DTI or SEC
• Last 3 months’ bank statement (optional)

Preparing these documents ahead of time can make your application process faster and smoother.

Frequently Asked Questions (FAQs)

1. How do I redeem BDO Peso Points?

BDO Peso Points can be redeemed as cash credit to your BDO credit card or transferred to your BDO Rewards Card or SMAC/SMAC Prestige.

To redeem your BDO Credit Card Peso Points, you can submit a Credit Card Peso Rewards Online Redemption Form via BDO Online Banking. Simply fill out the form with your details, review everything, and submit it to process your redemption. Once accepted, the redemption will be processed and credited to your account within 7–10 banking days. You can also check your Peso Points balance through your latest Statement of Account or online banking before redeeming.

2. Do BDO Points expire?

No, your BDO Peso Points do not expire as long as your credit card account remains active and current. Once your credit card is closed or canceled, any unused Peso Points will no longer be valid.

3. Is there a minimum income requirement to apply for a BDO credit card?

Yes, each card has its own income requirement listed in the individual card information above. The income requirement for BDO credit cards ranges from ₱15,000 to ₱165,000 per month.

4. How long does the application process take?

Online applications typically take 7 to 15 banking days to process. If documents are complete and you meet the eligibility criteria, approval may be faster. You’ll be notified via SMS or email once your card is approved and dispatched.

5. How to lock/unlock your BDO credit card?

When not in use, it is best to keep your BDO credit card locked. To do this, open your BDO Online app, click More > Manage Cards > choose the card > toggle Lock Card.

Follow the same steps to unlock your card.

6. Can I request a supplementary card?

Yes, you can request a supplementary BDO credit card for a family member, such as a spouse, parent, sibling, or child aged 13 or older. Supplementary cards share your credit limit but allow the additional cardholder to make purchases and earn Peso Points.

7. How do I track my BDO credit card delivery?

To track the delivery of your credit card, you can fill in BDO’s Credit Card Delivery Form. After filling up, wait for them to reach out to you via SMS about the delivery status of your BDO card.

8. How do I activate my BDO credit card?

You can activate your BDO by submitting the BDO’s Credit Card Activation Form.

Alternatively, you can activate your BDO credit card using SMS instead. Simply send ACTIVATE<space>first name/middle name/last name/last 4 digits of the card to 225678. Make sure to use your registered mobile number to avoid delay.

9. Where can I pay my BDO credit card bill?

There are many options to pay for your BDO credit card bill.

If you prefer to use your BDO online or mobile app, link your credit card to your savings or checking account for easy online payments.

Other payment options include:

Physical Payment Channels

• BDO Unibank Branch (find the nearest one)
• Bayad Center
• Cebuana Lhuillier
• SM Payment Counters
• EC Pay Partner Outlets (e.g., 7-Eleven)

Online Payment Channels

• Coins.ph
• GCash
• PayMaya
• Bayad App

Payment can take up to 3 days to be posted, so make sure to settle your credit card bill in advance. That way, you’ll avoid late payment charges and keep your credit record in good standing.

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