Get rewards from your remittances, savings and more!

BDO values every hard-earned money that you remit or save in your account!

Through BDO Rewards, you can earn points for every qualified remittance and savings that you maintain in your Kabayan Savings or regular BDO Savings account.


Here are transactions that earn points:

Product/Transaction Minimum Requirement Equivalent Points
Personal Savings/Deposits Php 50,000 or USD 1000* 10 points per month
(credit - to - account )
Every P5,000 or USD 100 1 point per transaction
Electronic Bills Payment Php 1,000 or USD 25

 5 points per month

(one - time awarding)

*month - to - date average daily balance

You can also earn points from your home and auto loan, trust investments, debit card purchases and more! 
Just like SM Advantage, you can also get points from shopping in SM and its retail partners.


Click here for other ways to earn points.


Earned points work like cash!

One point is equal to Php 1.00.  More transactions, more rewards!

BDO Rewards points are good as cash, as it can be used for:

  • Shopping at The SM Store/SM Department Store, Uniqlo, and Forever 21
  • Grocery purchases in SM Supermarket, Hypermarket, and SaveMore
  • Buying home needs in SM Appliance Center , Ace Hardware, Our Home, and Kultura
  • Cinema ticket purchases in SM Cinema and IMAX
  • Beauty , wellness and medicine purchases at Watsons or Body Shop

Click here to see full list of partners.


Experience exclusive banking, shopping perks and privileges, and more!


How to qualify?

Just maintain at least Php 100,000/USD 2,000 (Month-to-Date Average Daily Balance) in your Kabayan Savings or regular BDO Savings/Current account to qualify.  Ensure your address is updated and complete in the bank’s records so we can successfully send your BDO Rewards card.

For complete program terms and conditions, click here or log on to .