I. A. BDO BASIC CARDS Recommended for applicants with Gross Annual Income of P180,000 and above.

BDO Standard Mastercard BDO Visa Classic BDO Shopmore Card

Monthly Effective 2%
Interest Rate
Supplementary P125 / Month (First Year is FREE) P62.50 / Month (First Year is FREE) P125 / Month (First Year is
Membership Fee FREE)
Requirements  Must be 21 – 70 years old for principal; at least 13  Must be 21 – 70 years old for principal; at least 13 years old for
years old for supplementary cardholders supplementary cardholders;
 Must have at least one landline phone  Must be a Filipino citizen or a foreigner who has been a permanent resident
 Must be a Filipino citizen or a foreigner who is a of the Philippines for the last two (2) years;
permanent resident in the Philippines for the last 2  Minimum Gross Fixed Annual Income of P260,000;
years  Must be regular employee or if self-employed with business operating for at
 Must be a regular employee or if self-employed, with least two (2) years
business operating for at least 2 years  Must have at least one (1) landline phone;
 Residence or Office Address must be within any  Residence or Office Address must be within any area where a BDO branch is
area where a BDO branch is located located
 Income Requirement: P260,000 gross annual
income

Benefits
Installment Programs
 Easy Pay Installments

BDO Credit Cards, ready to shop online

 Lighter via Online Installment
 More enjoyable via Exclusive Online Deals

Delights
Get perks and privileges, freebies and discounts just by using your BDO Visa Classic Credit Card at our partner stores. Whether you’re shopping, dining, traveling or simply relaxing, use your BDO Visa
Classic Credit Card and you’ll surely be delighted!

Shop. Choose. Redeem.

Spend ANYWHERE with your BDO Visa Classic Credit Card and get instant treats, on top of the points you earn.

Bills Payment
 Charge on demand
 Auto Charge
24-hour Customer Service
Worldwide Acceptance
Terms and Condition CARDHOLDER acknowledges that the care and safety of the CARD is his/her responsibility, and agrees to safeguard it against loss, theft, and
fraudulent or unauthorized use.

The Lost Card Protection (LCP) feature relieves the CARDHOLDER of any financial liability resulting from fraudulent or unauthorized use of the
CARD from the time the report of loss or theft is received by BDO Customer Contact Center.

I.B. BDO BASIC CARDS Recommended for applicants with Gross Annual Income of P180,000 and above.

Blue from American Express BDO Installment Card Bench Mastercard

Monthly Effective 2%
Interest Rate
Supplementary P70 / Month (First Year is FREE) No Membership Fee but Maximum Cash Availment is P200 / Month (First Year is
Membership Fee P995,000 and Minimum Cash Availment is P10,000 FREE)
Tenor (Months)
6, 12, 18, 24, 36

Requirements  You must be aged 21-70 years old.  Must be 21 years old at time of application but not more
 You must have a minimum income of than 70 years old upon card expiry
 Must be a Filipino citizen or a foreigner who is a
P180,000 per annum. permanent resident in the Philippines for the last two (2)
 You must be a Philippine Resident or years
Filipino Citizen.  Minimum Gross Fixed Income Requirement:
 You must have at least one landline o P260,000 for Employed/Salaried
phone. o P400,000 for Self-Employed/Professional
 Must be a regular employee or self-employed with
business operating for at least two (2) years
 Must have a mobile phone and at least one (1) landline
phone at either residence or office
 Residence or office must be within any area where a
BDO branch is located
 Must be 21 – 70 years old for principal; at
least 13 years old for supplementary
cardholders
 Must have at least one landline phone
 Must be a Filipino citizen or a foreigner
who is a resident in the Philippines for
the last 2 years
 Must be a regular employee or if self-
employed, with business operating for at
least 2 years
 Residence or Office Address must be
within any area where a BDO branch is
located
 Minimum Income Requirement:
P260,000 gross annual income

Financial Features Accessible Cash

Benefits  There is a spend based fee waiver once you hit the P15,000
Free Membership Fee
Avail through any BDO branch, through SMS, cash availment hotline (02- FREE Membership Fee for the 1st Year while your first
spend monthly. 8688-1212) or online (click on "Avail Cash" button on the right). Supplementary enjoys FREE Membership Fee for life!
   
Installment Programs
Financial Flexibility Exclusive Discounts
 Easy Pay Installments
Choose when and how much to avail from your approved credit limit. Exclusive discounts & freebies from Bench/Partner Global
  Brands during promos.
BDO Credit Cards, ready to shop online  
  Lighter via Online Installment
 More enjoyable via Exclusive Online Deals
Delights
Get perks and privileges, freebies and discounts just by using your BDO
Visa Classic Credit Card at our partner stores. Whether you’re shopping,
dining, traveling or simply relaxing, use your BDO Visa Classic Credit Card
and you’ll surely be delighted!
Shop. Choose. Redeem.
Spend ANYWHERE with your BDO Visa Classic Credit Card and get instant
treats, on top of the points you earn.
24-hour Customer Service
Worldwide Acceptance
Terms and Condition CARDHOLDER acknowledges that the care and safety of the CARD is his/her responsibility, and agrees to safeguard it against loss, theft, and fraudulent or unauthorized use.
The Lost Card Protection (LCP) feature relieves the CARDHOLDER of any financial liability resulting from fraudulent or unauthorized use of the CARD from the time the report of loss or theft is received by
BDO Customer Contact Center.
II. BDO PREMIUM CARDS Recommended for applicants with Gross Annual Income of P420,000 and above.
BDO Gold Mastercard
Monthly Effective Interest
Rate
Supplementary Membership
Fee
Requirements  Must be 21 - 70 years old for principal; at least 13
years old for supplementary cardholders
 Must have at least one landline phone
 Must be a Filipino citizen or a foreigner who is a
permanent resident in the Philippines for the last 2
years
 Must be a regular employee or if self-employed,
with business operating for at least 2 years
 Residence or Office Address must be within any
area where a BDO branch is located
 Income Requirement: Php 420,000 gross annual
income
Light Payment Terms 0% Installment Programs
Pay in monthly installment terms up to 36 months. 0% installment options in 3- & 6-months terms at any
  Bench/Partner Global Brands (except First Aid & PCX).
Hassle-free application
Bench Partner Stores
No need for collateral/ co-maker and no application processing fee.
  • 3ina •  Aldo •  Aldo Accessories • American Eagle •  Assembly
Low Monthly Effective Interest Rate •  Bench •  Bench Body •  Bench Active •  Bench Fix Salon • 
Bench Skin Expert •  Bench Express •  Call It Spring •  Cath
Your BDO Installment Credit Card offers one of the lowest interest rates in Kidston •  Charles and Keith •  Cotton On •  Cotton On Kids • 
the market at only 2% per month.
Dimensione •  Herbench •  Human •  Jins •  Karen Millen • 
  Kashieca •  La Senza •  Maisen •  Mothercare •  Patchi •  Paul • 
Low Membership Fee Paul Smith •  Pedro •  St. Marc’s Cafe •  Studio Fix •  The Face
Low annual membership fee of P1,000 per year. Shop •  Vero Moda
 
24-hour Customer Service
Worldwide Acceptance
BDO Visa Gold BDO Gold Union Pay
2%
 Must be 21 - 70 years old for principal; at least 13 years old for  Must be 21 – 70 years old for principal; at
supplementary cardholders least 13 years old for supplementary
 Must have at least one landline phone cardholders
 Must be a Filipino citizen or a foreigner who is a permanent  Must be a Filipino citizen or a foreigner
resident in the Philippines for the last 2 years who is a permanent resident in the
 Must be a regular employee or if self-employed, with business Philippines for the last 2 years
operating for at least 2 years  Income Requirement: Php420,000 Gross
 Residence or Office Address must be within any area where a Annual Income.
BDO branch is located  Must be a regular employee or if self-
 Income Requirement: Php 420,000 gross annual income employed, with business operating for at
least 2 years.
 Must have at least one landline phone or
postpaid mobile phone.
 Residence or Office Address must be
within any area where a BDO branch is
 located.

Benefits Installment Programs Widest Acceptance in China

 Easy Pay Installments The most preferred and widely accepted credit
card in China and in key cities in Asia.
Delights
Get perks and privileges, freebies and discounts just by using your BDO Visa Classic Credit Card at our partner
stores. Whether you’re shopping, dining, traveling or simply relaxing, use your BDO Visa Classic Credit Card and Installment Programs
you’ll surely be delighted!  Easy Pay Installments

BDO Credit Cards, ready to shop online! Delights

BDO Credit Cards make online shopping secure, lighter and more enjoyable: Get perks and privileges, freebies and
discounts just by using your BDO Visa
Bills Payment Classic Credit Card at our partner stores.
 Charge on demand Whether you’re shopping, dining, traveling or
 Auto Charge simply relaxing, use your BDO Visa Classic
24-hour Customer Service Credit Card and you’ll surely be delighted!

Worldwide Acceptance Bills Payment

 Charge on demand
 Auto Charge
24-hour Customer Service

Worldwide Acceptance
Terms and Conditions CARDHOLDER acknowledges that the care and safety of the CARD is his/her responsibility, and agrees to safeguard it against loss, theft, and fraudulent or
unauthorized use.

The Lost Card Protection (LCP) feature relieves the CARDHOLDER of any financial liability resulting from fraudulent or unauthorized use of the CARD from the time
the report of loss or theft is received by BDO Customer Contact Center.

CARDHOLDER agrees to assume for his/her sole account any and all taxes, fees and expenses that may be due or payable in connection with the issuance and
use of the CARD or with any other credit facilities granted by ISSUER in connection with the CARD

III. BDO Elite Cards

 BDO Platinum Mastercard BDO Diamond Union Pay BDO Titanium Mastercard
Monthly Effective Interest 2%
Rate
Supplementary Membership FREE FOR LIFE P2500 For the first six years and after it, it is FREE FOR LIFE
Fee. FREE FOR LIFE
Requirements Applicants with Existing Credit Card
Photocopy of the following:

 Credit card charge slip (not more than 30 days old from transaction date) or latest credit card statement of account
 Front of existing credit card
 Front and back of valid ID with signature and photo, issued and signed by an official authority: Passport, Driver’s License, Professional Regulations Commission (PRC) ID, National Bureau of
Investigation (NBI) Clearance, Police Clearance, Postal ID, Voter’s ID, Barangay Certification, Government Service Insurance System (GSIS) E-Card, Social Security System (SSS) Card, TIN
ID, Alien Certification of Registration or Immigrant Certificate of Registration, Government Office (e.g. Armed Forces of the Philippines (AFP), Home Development Mutual Fund (HDMF)) IDs and
other valid IDs issued by the Government and its instrumentalities
 Photocopy of your latest BIR Form 2316 signed by employer’s authorized representative (for employed) or photocopy of latest ITR and W4 with BIR stamp (for self-employed)

Applicants without Existing Credit Card

1. Proof of Income
a. For Employed (Required):
 Photocopy of latest BIR Form 2316 signed by employer's authorized representative AND one of the following:
o Original copy of Certificate of Employment and Income (COEI) indicating status, length of service, and compensation breakdown
o Photocopy of latest full month payslip
b. For Self-Employed (Required):
 Photocopy of Registration of Business Name
o For Single Proprietorship issued by DTI
o For Partnership/Corporation issued by SEC
 Photocopy of latest ITR and W4 with BIT/Bank Stamp
o Audited Financial Statements for the last 2 years; OR
o Bank Statements for the last 3 months
2. Proof of Identification
(Please refer to the list of Government issued IDs in item no. 3, under A. For Applicants with Existing Credit Card/s)

For Foreigners

1. Copy of Employment Contract or Certificate of Employment

2. Letter from Embassy (if Embassy Official)
3. 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 EO226
 ACR or ICR or ACR-1
Benefits Flexible/High Credit Limit
Have the confidence of a high credit limit that you can
spend on your own terms and access anywhere in the
world. Your credit limit is available in both Philippine Peso
and US Dollar, where your Peso Credit Limit is the same as
your Dollar Credit Limit.
 
Cash Advance Up to 30% of your assigned Credit Limit
For emergencies, cash advance may be availed of up to
30% of your assigned Credit Limit over-the-counter at
selected BDO Branches or at any ATM bearing the
Mastercard logo. Your system-generated Cash Advance
Personal Identification Number (PIN) will be sent to you
separately.
 
Free Annual Membership Fee for Life
 Automatic annual membership fee waiver for the
principal cardholder for a spend of at least
P600,000/year.
 Lifetime Annual Fee Waiver for 6 supplementary
accounts.
Installment Programs
 Easy Pay Installments
Delights
Get perks and privileges, freebies and discounts just by
using your BDO Visa Classic Credit Card at our partner
stores. Whether you’re shopping, dining, traveling or simply
relaxing, use your BDO Visa Classic Credit Card and you’ll
surely be delighted!
BDO Credit Cards, ready to shop online!
BDO Credit Cards make online shopping secure, lighter
and more enjoyable:
Bills Payment
 Charge on demand
 Auto Charge
24-hour Customer Service
Your best travel companion in Asia.  Flexible/High Credit Limit
Have the confidence of a high credit limit that you can
UnionPay Concierge Services
The UnionPay Concierge Service is available to assist you with your
spend on your own terms and access anywhere in the
world. Your credit limit is available in both Philippine
special requirements in travel, entertainment, shopping, business,
and other personal needs such as: Peso and US Dollar, where your Peso Credit Limit is
Travel the same as your Dollar Credit Limit.
Entertainment  
Shopping Cash Advance Up to 30% of your assigned Credit
Global Medical Assistance Limit
For emergencies, cash advance may be availed of up
to 30% of your assigned Credit Limit over-the-counter
VIP Healthcare Assistance in Mainland China
at selected BDO Branches or at any ATM bearing the
Mastercard logo. Your system-generated Cash
Global Travel Assistance
Advance Personal Identification Number (PIN) will be
Installment Programs sent to you separately.
 Easy Pay Installments  
Delights Free Annual Membership Fee for Life
Get perks and privileges, freebies and discounts just by using your
BDO Visa Classic Credit Card at our partner stores. Whether you’re
shopping, dining, traveling or simply relaxing, use your BDO Visa  Automatic annual membership fee waiver for
Classic Credit Card and you’ll surely be delighted! the principal cardholder for a spend of at
least P600,000/year.
BDO Credit Cards, ready to shop online!  Lifetime Annual Fee Waiver for 6
BDO Credit Cards make online shopping secure, lighter and more supplementary accounts.
enjoyable:
Bills Payment Installment Programs
 Charge on demand  Easy Pay Installments
 Auto Charge
24-hour Customer Service Delights
Get perks and privileges, freebies and discounts just
Worldwide Acceptance
by using your BDO Visa Classic Credit Card at our
partner stores. Whether you’re shopping, dining,
traveling or simply relaxing, use your BDO Visa
Classic Credit Card and you’ll surely be delighted!
BDO Credit Cards, ready to shop online!
BDO Credit Cards make online shopping secure,
lighter and more enjoyable:
Bills Payment
 Charge on demand
 Auto Charge
24-hour Customer Service
 Worldwide Acceptance
Worldwide Acceptance

Terms and Conditions If CARDHOLDER opts to (a) pay the Minimum Amount Due, (b) pay any amount less than the Outstanding Balance, or (c) make a cash advance
transaction, CARDHOLDER shall be deemed as availing against his/her credit line with ISSUER and agrees to pay the corresponding finance
charges on all obligations at a rate determined by ISSUER. The ISSUER may change the rate from time to time and CARDHOLDER will be advised
through the SOA or other means of communication.

CARDHOLDER acknowledges that the care and safety of the CARD is his/her responsibility, and agrees to safeguard it against loss, theft, and
fraudulent or unauthorized use.

The Lost Card Protection (LCP) feature relieves the CARDHOLDER of any financial liability resulting from fraudulent or unauthorized use of the
CARD from the time the report of loss or theft is received by BDO Customer Contact Center.

CARDHOLDER agrees to assume for his/her sole account any and all taxes, fees and expenses that may be due or payable in connection with the
issuance and use of the CARD or with any other credit facilities granted by ISSUER in connection with the CARD