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ABOUT US / INVESTOR RELATIONS /CONTACT US CORPORATE GOVERNANCE

BDO Rewards Points CalculatorX

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Establishments:

Mode of payment:

One (1) point for every bills payment transaction with minimum of P500 (per enrolled bill)

PLUS five (5) points for every approved enrollment (credited during first payment)

PLUS five (5) points for every opening of a Kabayan Savings Account
(credited on the first P5,000 Remittances)

[add to points summary report page] [view summary report page]

Additional points:

One (1) point if payment is full and on time
Two (2) points if payment is made outside PLDT
business Office or through alternative payment channels
One (1) point for every P250 worth of NDD/IDD
per month

Bonus points:
Upon Registration based on subscriber tenure in PLDT

5 points	1 year
10 points	1-3 years
15 points	3-5 years
20 points	5-7 years
25 points	7 or more years

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Terms and Conditions

Governing membership, issuance and use of the new BDO Rewards Card

1. BDO Personal Clients who avail of any of the following automatically qualify in BDO Rewards:

Peso / Dollar Savings or Checking Account with minimum month-to-date average daily balance (MTD ADB) of 50,000 / US$1,000
BDO Credit Card (as principal cardholder and upon request)
Auto / Home Loan and a Savings or Checking Account
Trust Placement and a Savings or Checking account
Asenso Kabayan Savings Account and credit-to-account remittance of at least P5,000 or US$100 (upon request)

2. A member must be at least 12 years old.

3. For Joint Accounts, only the Primary Accountholder will be enrolled in the program and shall be the cardholder.

4. A member's BDO Rewards card and Welcome Kit will be sent via courier, within (6) to eight (8) weeks from month-end of the
particular month the member qualified.

5. All members are obliged to keep their information file up-to-date by reporting any change in name, address, status and
other data using the Member Data Update Form to be submitted at any BDO Branch of account. Verbal notification is
not valid. To download the Member Data Update Form (MDUF) click here.

6. Non-earning of points for 12 consecutive months will result to non-renewal and cancellation of BDO Rewards Card.

7. All membership eligibility and enrollment process shall be subject to criteria prescribe by BDO. All question or disputes
regarding eligibility for membership in BDO Rewards will be resolved by BDO at its sole discretion.

8. BDO reserves the right, at its sole discretion and without prior notice, to cancel the membership and amend the membership
rules and regulations at anytime without the need for prior and subsequent notice of the changes to the member.


	1.	For a member to continually earn and redeem points accumulated on the month of qualification, the card must be activated immediately upon receipt.

	2.	By activating the card, the member accepts all the Terms and Conditions set forth herein.

	3.	Members are given 6 months to activate their cards starting on the date reflected on their welcome letter.

	4.	If a member fails to activate within the 6 month period, ALL credited points from BDO’s qualified transactions shall be forfeited. Furthermore, non-activation may result to card cancellation and discontinuance of points crediting.

	5.	To activate new card:

		a. Call BDO Rewards Call Center at (02)702-7888 or Domestic Toll Free 1-800-10-702-7888 b. For SMS registration and card activation, send BDO <space> reg <space> Card Number <space> PIN to 2966 NOTE: You can only register one (1) mobile number to one (1) BDO Rewards card number. Unregistered mobile number can not access any of the SMS facilities except HELP feature.

		To activate a renewal/replacement card:

		a. Call BDO Rewards Call Center at (02)702-7888 or Domestic Toll Free 1-800-10-702-7888 b. If already registered to the SMS service, send BDO AC<space>PIN number to 2966

		NOTE: If you are an existing member, use your current PIN to activate your card. If not, you may use the default PIN which is your birth month and the last 2 digits of your birth year indicated in our records. For example: “0170” for Jan 1970

		The card will be activated within twenty-four hours (24) hours.

	6.	For your added security, please change your PIN after activation. To change your PIN, you may text or call the BDO Rewards call center or, send BDO PIN<space>OLD PIN<space><NEW PIN><space>RE-ENTER NEW PIN to 2966. Sample text: BDO PIN 1234 5678 5678

	7.	Member must discontinue use of old BDO Rewards Card and/or expired card upon activation of new card.

	8.	All points accumulated in the old BDO Rewards Card and/or expired card will be transferred to the new card upon activation.

	9.	The member waives any and all claims, rights and remedies that the member may now have or in the future claim to have against BDO in connection herewith.

	10.	The bank has the sole discretion to issue the card, which remains its property.

	11.	The card is for exclusive use of the member and is not transferable.


New BDO Rewards Cards Expiry

	1.	The Ruby, Sapphire and Diamond Rewards Cards have expiry dates. These cards will expire twelve (12) months from qualification as reflected on the ‘valid thru’ section of the card. This allows the program to efficiently update the tiers and prevent abuse or misuse of program perks and privileges.

	2.	Emerald cards do not have expiry dates. Cardholders of this level continue to be members of the program until they have severed all relationships with the bank or until they get upgraded to a higher level in which the 12-month card validity period shall apply.

	3.	There are no card renewal fees.

1.	There are several ways to earn Rewards Points. (Please refer to the Points Guide for more details)

	Earn points from deposits, loans, remittances, electronic payment transactions and trust placements. Earn points from purchases at any SM Department Stores, SM Supermarket, SM Hypermarket, and SM retail establishments Earn points from purchases with other Rewards Partners such as Petron, PLDT, Taal Vista Hotel, Asia Pacific College and more Earn points from seasonal promotions such as sales and special events.
2.	BDO Rewards Members shall enjoy the same privileges and benefits for earning points that SM Advantage Cardholders enjoy.
3.	Points are posted on the member’s account as follows:
	For electronic bills payments, purchases at SM and other Rewards Partners, posting would take 1-2 days after the transaction. For remittance, points will be posted weekly For deposit, loans and trust placements, points will be posted monthly.
4.	Past due accounts are not entitled to earn points.
5.	The BDO Rewards Card must be presented at the cashier during purchase transactions to earn points. from Rewards Partners. No card, no points.
6.	Points earned shall expire after five (5) years from the month the points were awarded.
7.	Members with an SM Advantage Card may elect to transfer their points to their new BDO Rewards Card through: a. BDO Rewards Call Center at (02)702-7888 or Domestic Toll Free 1-800-10-702-7888 b. If already registered to the SMS service - send BDO TRANS<space>PIN number<space># of points<space>DESTINATION CARD NUMBER card number to 2966
8.	Transferred points may only be used for higher redemption value and are not considered in determining the tier for the following year.
9.	Points cannot be earned for Value Added Tax and other government charges and service charges.
10.	Points earned by the member do not constitute as property of the member.
11.	BDO reserves the right to make adjustments on earned or accrued points as it sees fit, including but not limited to, deduction of points arising from disputes.
12.	A member may check his points balance by:
	a. Swiping his card at any Point of Sale (POS) terminal at any SM Department Store, SM Supermarket, SM Hypermarket, SM retail establishments and other Rewards Partners. b. Calling the BDO Rewards Call Center at (02 )702-7888 or Domestic Toll Free 1-800-10-702-7888 c. SMS – send BDO PTS to 2966 d. Visiting the BDO Rewards website at www.bdo.com.ph/Rewards
13.	In the case of the death of member, BDO reserves the right to forfeit the points earned.

1.	To redeem points, the member whose name appears on the card simply has to present his card, at any SM Department Store, SM Supermarket, SM Hypermarket, an SM retail establishment and use the points in his card to pay for his purchases, as per the following guidelines: a. The member must have a minimum of 50 points equivalent to P50.00 to be able to start redeeming b. Points posted are points available for redemption c. Individuals who are residing in areas where their are no SM Malls are allowed to redeem their points in their branch of account in the form of BDO Gift Checks (GC). The minimum amount required for redemption is 100 points equivalent to P100.00. BDO Gift Checks are issued in multiples of P100.00
2.	No redemption fees will be charged.
3.	Points reflected in BDO Rewards shall be deemed correct and BDO has the exclusive right to determine the available points to be redeemed by the member.
4.	Under no circumstances may the redeemed points be interchangeable for other awards or privileges, nor can it be refunded or sold.
5.	By redeeming points, the member releases BDO from any and all liabilities arising from or in connection with the use and redemption of the points.
6.	To redeem perks and privileges that are already in the member's Welcome Kit, the member whose name appears on the card must simply follow the instructions indicated on each voucher and certificate.
7.	BDO Sapphire and Diamond Rewards members are also entitled to the perks and privileges of SM Prestige of SM Advantage Program and must adhere to the guidelines set by SM Prestige when accessing or availing any SM Prestige privileges.
8.	All question or disputes regarding redemption of perks and privileges will be resolved by BDO at its sole discretion.
9.	BDO is not liable for any perks and privileges not being available or being withdrawn for any reason whatsoever by BDO and its Rewards Partners.
10.	In the event that (a) a BDO Rewards Card is not accepted, honored or processed by any BDO Rewards Partners for any reason whatsoever; or (b) any benefit to which a BDO Rewards Cardholder is entitled to is not extended or granted for any reason whatsoever, the member shall direct any complaints regarding either of the foregoing to the relevant BDO Rewards Partner for action. Any complaint that BDO may receive on such matters shall be immediately referred to the relevant BDO Rewards Partner without incurring any liability thereof.
11.	All costs, charges, claims or liabilities including duties, taxes and fees in availing of any perks and privileges shall be charged to the account of the member.

1.	BDO Rewards Program is a privilege granted by BDO to its clients for their continued loyalty. The terms and conditions set forth cannot be superseded nor changed except by BDO. Failure of BDO to enforce a particular term, condition or guideline does not constitute a waiver thereof.

2.	BDO reserves the right to appoint an agent(s) and/or contractor(s) to perform the functions in relation to the BDO Rewards Program. Accordingly, reference to BDO under these terms and conditions shall automatically include such agent(s) or contractor(s).

3.	BDO reserves the right at all times to withdraw, cancel, withhold, substitute, deny access to or use of, or in any way change any of the program mechanics including perks and privileges previously advertised or offered, to any member, at any time, without prior notice, and BDO will not be liable for any loss or damage suffered by the member resulting from such withdrawal, cancellation, variation or change.

4.	BDO shall use all reasonable endeavors to provide members with accurate and timely information regarding BDO Rewards including any changes thereof. However, BDO shall not be liable in any way for failure to do so.

5.	Members shall authorize the bank to rely upon and act in accordance with any notice, instruction or other communication which a member may, from time to time, give by telephone, mobile phone, text messages, facsimile, e-mail or other electronic means, and which the bank, in good faith, believe to have been made by a member of an authorized representative. A member must acknowledge the bank’s right to require his instructions or communications be made or confirmed in a particular form.

6.	It is considered a breach of these terms and conditions if the member, in the reasonable opinion of BDO,

	(i) abuses any perks and privileges, facilities, services or arrangements accorded to the member as a result of qualification to the BDO Rewards Program;

	(ii) acts in any manner detrimental to the interest of the program;

	(iii) commits misrepresentation or in any way supplies or attempts to supply misleading information to BDO or any Rewards Partners;

	(iv) such other act which in the opinion of BDO Rewards is a breach of these terms and conditions.

7.	Any breach of these terms and conditions whether intentional or otherwise may result in termination of membership, forfeiture of issued points, and cancellation of perks and privileges at the sole discretion of BDO. Eligibility for future or further participation in BDO Rewards shall likewise be affected.

8.	The laws of the Republic of the Philippines shall govern these terms and conditions.

POINTS SUMMARY

Categories	Points Earned
Auto Loan
BDO ATM Debit Cards
E-Bills Payment
Home Loan
Remittances:
Peso
Dollar
Savongs/Current Account:
Peso
Dollar
Trust Placement:
Peso
Dollar
Asia Pacific College
Petron
PLDT Telerewards
SM Retail Partners

Taal Vista Hotel

Total Points Earned:

1.	Lost cards must be reported immediately to enable BDO Rewards to block the card from further use. Blocked cards will not earn points from retail partners and redemption will not be allowed.
2.	To report a lost card, members may call BDO Rewards Call Center at (02)702-7888 or Domestic Toll Free 1-800-10-702-7888; or if registered to the SMS service, type BDO LOST <space>PIN Number and send to 2966.
3.	Lost and damaged cards due to member's misuse, abuse or negligence may be replaced for a fee. The bank will only replace the damaged card for free if it is reported within one one month from release.
4.	Card replacement fee is P150.00 or 150 points.
5.	Fee is waived for Sapphire and Diamond Rewards members. For Emerald and Ruby members, they have the option of paying the fee in cash through their BDO branch of account or through his available points.
6.	To pay for the replacement fee using his points, member must call the BDO Rewards Call Center.
7.	The replacement card, will be delivered via courier to the members mailing address indicated in the bank's records. Delivery is within 3 to 4 weeks from receipt of request and payment of card replacement
8.	All points balance accumulated in the damaged/lost BDO Rewards Card shall be automatically transferred to the replacement card upon activation.
9.	BDO shall not be held liable for a member's lost or redeemed points whether or not a member immediately reported the lost card.
10.	Issuance of any replacement card shall be at the bank’s sole discretion.

Terms and Conditions

New BDO Rewards Cards Expiry