Frequently Asked Questions

1. Personal Peso / Dollar Savings or Checking Account with minimum month-to-date average daily balance (MTD ADB) of P100,000 / US$2,000
2. BDO Credit Card (as principal cardholder and upon request)*
3. Auto or Home Loan linked to a qualified Savings or Checking Account**
4. Trust Placement linked to a qualified Savings or Checking Account**

*BDO Credit Cardholders may request for this BDO Rewards Card by calling the BDO Hotline (click here)

**Auto Loan, Home Loan and Trust clients are required to meet the minimum P100,000 MTB ADB in their personal Peso/Dollar Savings/Checking Account to qualify.

Once qualified, the BDO Rewards Welcome Kit of Emerald and Sapphire members is sent to the client’s address. The Welcome Kit contains the BDO Rewards Card and all other relevant program information.

For Diamond members, the card will be sent to his branch of account. The Branch Manager will deliver the Welcome Kit to the member personally.

First, they have to activate their BDO Rewards card.  Members can activate their card in two ways: 

Cards are valid for two (2) years and validity date can be determined by the "valid thru" date printed on the card. This provides for efficient management of program tier upgrading and downgrading and avoids abuse or misuse of perks and privileges.

Emerald Cards processed in April 2016, will now have a validity date. Existing Emerald Cards (with no validity date) is processed during renewal.

No, only the Primary Account holder will be issued a BDO Rewards Card.

No, clients are only assigned one Client Information File (CIF) for all his availed bank products and services. Because of this, only one BDO Rewards membership number is assigned per client.

However, clients can earn points from ALL their qualified bank transactions provided that they meet the requirements of each.

Yes, provided that the client meets the membership requirements.

No. The BDO Rewards Card works like a cash card which stores the free shopping points earned by a BDO Rewards member from his/her qualified BDO products and transactions. Similar to SM Advantage, members can also earn points for their purchases at The SM Store, SM Supermarket, SM Hypermarket, SM retail establishments and other BDO Rewards partners. When a member has earned at least 20 points, the BDO Rewards Card may be used to shop for free in any of the SM stores and its affiliates.

3. Via BDO Website

Click HERE.

Upon receipt of card, the first step is to activate the card. Activation will enable loading of points earned from qualified bank transactions, continuous earning of points, points redemption and renewal of card. New members are given twelve (12) months to activate from date of card issuance. Failure to do so will result to forfeiture of points earned.

Please request for card activation and PIN reset assistance via either channel:

a. Call the BDO Rewards Hotline and speak to our Customer Support Officers:

b. Visit your BDO Branch of Account

Qualification Scheme/Tier Assignment for 1st time members:

Emerald Card

1. At least Php100,000 Peso/Dollar Savings or Checking Account or
2. Classic or Gold BDO Credit Card

Sapphire Card

1. At least Php250,000* Peso/Dollar Savings or Checking or
2. At least P100,000 Peso/Dollar/Savings/Checking Account and Gold BDO Credit Card Platinum or Titanium BDO Credit Card

Diamond Card

1. At least Php5 Million* Peso/Dollar Savings or Checking or
2. At least P500,000 peso/Dollar/Savings/Checking Account and Platinum or Titanium BDO Credit Card

The membership level will be determined by the total points earned in the first 2 years of membership.

Emerald: 1 to 2,499 points
Sapphire: 2,500 to 9,999 points
Diamond: 10,000 points and above

Yes. At any time during the 24-month period, a member may be upgraded to a higher membership tier as soon as he reaches the required points of the higher tier. In this case, a new card shall be issued.

No, redeeming of points will not affect the points required to reach the next level. Neither will it result to downgrading of tier level.

Yes, it is possible for a member to be downgraded if the points earned within 2 years do not meet the required number of points to stay within that tier.

No, all points transfered from your SM Advantage Card will not be considered. Points earned from non-SM partners are also not considered for determining membership level but can be used for redemption purposes. Membership level determination is limited to points earned with the BDO Rewards Card only.

1 point is equal to P1.00.

Yes, points expire after five years. For example, unredeemed or unused points, earned in 2012, will expire on 2017.

Members may redeem their points to pay for purchases at any branch of The SM Store, SM Supermarket, SM Hypermarket, and SM retail establishments and partners.

Yes, members must redeem at least P20.00 per transaction.

For members whose branch of account, as identified in BDO Rewards records, is located in an area with no SM Malls or SM retail affiliates (Non - SM branch) and do not wish to avail of items featured in promotional catalogues, redemption of points shall be accommodated as follows:

1. Credit to member's preferred personal Current Account/Savings Account (CA/SA). Crediting to a third party account is not allowed.
2. If member has no existing CA/SA (e.g client wuth BDO Credit Card only), BOA shall encourage member/client to open an account, where his BDO Rewards points shall be credited.
3. If member is not willing to open a CA/SA, a BDO Gift Check (BDO GC) shall be issued instead. Redemption via BDO GC shall be through a member's linked BOA only. (The BDO GC is issued Free of charge)

To replace a lost or damaged card, members must call the BDO Rewards Hotline. Click HERE.

Yes. The fee for card replacement is P150.00 or 150 points. Members have the option of using their points to pay for the fee. Replacement fee for Sapphire and Diamond is waived.

Members have the option of paying the fee in cash through a BDO branch or through available points balance by calling the BDO Rewards Call Center.