How the Program Works



Welcome to BDO Rewards! Inquire Now


Banking has never been this rewarding. Through BDO Rewards, you automatically get rewarded with free SM shopping points for qualified bank transactions.

The BDO Rewards Card works like an SM Advantage Card wherein you can earn more points when you use your card for purchases at SM.

What's more, members are rewarded for their loyalty with exclusive perks and privileges corresponding to their membership level.

The more points earned, the higher the membership level reached and the more perks and privileges to enjoy!


Easy to Earn

  • Earn SM shopping points for qualified bank transactions at BDO.
  • Earn more SM shopping points when purchasing from SM and other Rewards Partners


Easy to understand

  • Clear and simple - one point is equal to P1.00.


Easy to Redeem

  • Use your SM shopping points to pay for purchases at any branch of the SM Store, SM Supermarket, SM Hypermarket and SM retail establishments such as Watsons, Toy Kingdom, Ace Hardware, Surplus Shop, SM Appliance Center and more.


Membership Levels

  • BDO Rewards offers three membership levels. The more points you earn, the higher the membership level you will reach.
  • Each of the three levels comes with a set of perks and privileges, which makes membership all the more exciting!


BDO Rewards Card

  • The BDO Rewards Card has a different look for each membership level. The earned points required to achieve a specific membership level are:

Emerald Rewards Card
below 5,000 points

Sapphire Rewards Card
5,000 to 9,999 points

Diamond Rewards Card
10,000 points and above




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