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BDO Mastercard

The worldwide symbol of luxury, privilege and all the good things in life. Celebrate life's exclusive privileges with your BDO MasterCard.


LausAutoGroup Mastercard


Membership Fee: P200/month

Finance Charge: 3.00%

Minimal Annual Income: P180,000


Rev up your Lifestyle!

  • 10x Rewards Program
    Enjoy 10 Peso points conversion for every P200 spend on fuel purchases nationwide.

    P200 = 10 credit card points = 10 Peso points which can be exchanged for products and services from participating Laus Group of Companies (LGC).
    *Note: Peso points accumulation has a monthly rebate cap of P750 or P9,000 per year. See mechanics here.

  • 10% Exclusive Discount
    Avail of 10% discount on ALL LausAutoGroup dealership parts and services everytime you use your card.

  • 0% Installment Option on Insurance Premiums
    Take advantage of installment payment options of up to 12 months for Corporate Guarantee & Insurance Company (CGIC) insurance premiums.

  • 1st Supplementary FREE for LIFE

Members of the Laus Group of Companies (LGC) Eligible for Redemption:

Carworld San Fernando ▪ Carworld Malolos ▪ Carworld Marilao ▪ Carworld Subic ▪ Carworld Tarlac ▪ Chevrolet Dagupan ▪ Chevrolet Pampanga ▪ Ford Cabanatuan ▪ Ford Dagupan ▪ Ford Ilocos ▪ Ford Isabela ▪ Ford Libis ▪ Ford Metro Baguio ▪ Ford Pampanga ▪ Ford Subic ▪ Ford Tarlac ▪ Haima Cars Bataan ▪ Haima Cars Baguio ▪ Haima Cars Baliuag ▪ Haima Cars Calasiao ▪ Haima Cars Dau ▪ Haima Cars Pampanga ▪ Haima Cars San Fernando ▪  Hyundai Baliwag ▪ Hyundai Dagupan ▪ Hyundai Ilocos Norte ▪  KIA Baliwag ▪ Hyundai La Union ▪ KIA Pampanga ▪ KIA Pangasinan ▪ Mazda Cabanatuan ▪ Mazda Dagupan ▪ Mazda Pampanga ▪  Mazda Tarlac ▪ Nissan Bataan ▪  Premier Cars BMW ▪ Suzuki Auto Pampanga ▪ Carmix Pampanga

Non - automotive
CFIC (Laus Auto Finance) ▪ Corporate Guarantee and Insurance Company (CGIC) Head Office San Fernando Pampanga ▪ Corporate Guarantee and Insurance Company (CGIC) Extension Office Ford Pampanga Building ▪ Corporate Guarantee and Insurance Company (CGIC) Libis ▪ Corporate Guarantee and Insurance Company (CGIC) Marilao ▪ Corporate Guarantee and Insurance Company (CGIC) Pangasinan ▪ Huper Optik ▪ Voltronic ▪ Tire City San Fernando ▪ Tire City San Fernando ▪ Yokohama Dau

Click here to see address of participating Laus Group of Companies.


Please check Terms and Conditions for details.
Click here to view Table of Fees and Charges and Sample Finance Charge Computation.

Free Membership Fee
FREE Membership Fee for the 1st year while your first supplementary enjoys FREE Membership Fee for life!
Extend the benefits of your card to up to 5 supplementary cards.
Added Security
Your BDO Credit Card has a chip card for increased security against credit card fraud.
Convenient Contactless Payment*
No need to swipe. Just tap your BDO Mastercard Paypass Credit Card for payments made on contactless enabled POS terminals.
*For select  transactions only.
Cash Advance Facility 
Withdraw cash from your available credit limit and pay through easy monthly installment.
Installment Programs
  • EasyPay Installment
    You can now spend for all the appliance, furniture, gadgets, jewelry or clothes you want without worry. The EasyPay Installment program allows you to purchase items on installment from over 11,000 partner stores nationwide. Choose from 3, 6, 9, 12, 18, 24 and 36 monthly installment* for a minimum single purchase amount of P3,000**.

    Avail EasyPay Installment through any of the following:

    • Absolutely 0% Interest*
    • Easy and affordable monthly add-on interest rates

      Plus, take advantage of special extended installment terms when you Buy Now Pay Later and catch exclusive discounts and latest offers during special promo dates.

      * Merchants have sole discretion on the terms / items applicable for the Absolutely 0% Interest  
      ** Minimum installment purchase amount may vary per partner merchants

  • Other EasyPay Installment Options
    • Balance Transfer
      Transfer your other banks' credit card balances to your BDO Credit Card and save on high interest rates.
    • EasyPay Cash
      Reimburse your Official Receipts (ORs) back to cash worth at least P5,000 at affordable installment plans.
    • EasyPay Convert
      No installment scheme offered at your favorite store? Good news! You can convert almost anything into installment using your BDO Credit Card! Simply call 8631-8000 or apply online via and convert any of your regular purchases*** worth at least P3,000.

      ***Cash Advance, any transaction associated with Gambling, any Money Transfer or similar cash transaction, and any other BDO installment transactions like Absolutely 0% Interest, EasyPay Regular Installment, etc. are not qualified for EasyPay Convert.

BDO Credit Cards, ready to shop online!
BDO Credit Cards make online shopping secure, lighter and more enjoyable:
  • Secure via Virtual Card
    Get a free Virtual Card - the Virtual Card is a credit card designed exclusively for use in the Internet; it has a different card number from your regular BDO credit card to protect your regular card number and credit line.
  • Lighter via Online Installment
    EasyPay Convert any online transaction into monthly installment by calling the BDO Customer Contact Center or applying online via; further, enjoy scheduled Absolutely 0% Interest and Buy Now, Pay Later installment schemes at selected websites.
  • More  enjoyable via Exclusive Online Deals
    Enjoy discounts, exclusive deals and freebies when you use your BDO Credit Card at partner websites.

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

Bills Payment
  • Charge on Demand
    Don’t worry about your bills when going out of town or vacation.  Use BDO Credit Card’s Charge-On-Demand.  This facility lets you charge your utility bills on a per need basis.  Simply log on to or call 8631-8000.
  • Auto Charge
    Hate lining up to pay bills? Too many due dates to remember? Pay your bills the fast and convenient way with BDO’s Auto-Charge.  This facility allows you to enroll multiple utility bills to your BDO Credit Card so you only have one due date to remember. To learn more about this facility, click here.
24-hour Customer Service
For your Customer Service needs, just call the 24-hour BDO Customer Contact Center at 8631-8000 or 1-800-10-6318000 (Domestic Toll Free).
Payment Channels
  • BDO Branch Counters – cash or check payments are accepted at any branch
  • BDO eBanking* – transact anytime, anywhere in the world, through
  • BDO Phone Banking* - access your BDO account to pay for your Card using any touch-tone phone. Just call 8631-8000.
  • SM Bills Payment Counters – pay for your Card through SM Bills Payment.
    *Enrolment of your BDO account is required to avail of this payment facility.
Worldwide Acceptance
Your BDO Mastercard Credit Card is your ideal travel companion. It is accepted worldwide in over 20 million locations and in over 275 countries and territories.
Application Requirements
Basic Application Requirements
  • Must be 21 – 70 years old for principal; at least 13 years old for supplementary cardholders;
  • Must be a Filipino citizen or a foreigner who has been a permanent resident of the Philippines for the last two (2) years;
  • Minimum Gross Fixed Annual Income of P180,000;
  • Must be regular employee or if self-employed with business operating for at least two (2) years
  • Must have at least one (1) landline phone;
  • Residence or Office Address must be within any area where a BDO branch is located
Documents Required
A. Proof of Identification for both Primary and Supplementary Applicants

Any of the following valid photo-bearing identification documents* (front and back):
  1. Company ID, if company is SEC, IC or BSP supervised / registered
  2. Passport
  3. Driver’s License
  4. SSS ID (photo-bearing plastic card type with scanned signature)
  5. TIN Card (photo-bearing plastic card type)
  6. PhilHealth Card
  7. GSIS ID
  8. PRC ID
  9. Voter’s ID
  10. All other IDs issued by the Philippine government and its instrumentalities
* Supplementary applicants who are studying may submit a valid school ID instead.

Any of the following valid documents:
  1. Valid VISA and work permit
  2. Alien Certificate of Registration (ACR) or Immigrant Certificate of Registration (ICR)
  3. ACR-I
    Valid passport with any of the following:
  • Special Investors Resident VISA
  • Special Non-Immigrant VISA for PEZA investors and employees
  • Visa with EO226
B. Proof of Income
Employed Applicants
  • Photocopy of latest Income Tax Return (ITR) duly stamped as received by the Bureau of Internal Revenue (BIR), BIR Form 2316 signed by employer’s authorized representative (MANDATORY)
PLUS any of the following:
  • Latest full-month’s payslip/s
  • Original Certificate of Employment indicating status, service tenure, and compensation breakdown
Self-employed Applicants
  • Photocopy of latest Income Tax Return (ITR) duly stamped as received by the Bureau of Internal Revenue (BIR), Audited Financial Statements for at least 2 years (MANDATORY)
  • Photocopy of registration of Business Name (MANDATORY):
    • Single Proprietorship: DTI Registration
    • Partnership / Corporation: SEC Registration
  • Last 3 months’ bank statements (OPTIONAL)
Monthly Membership Fee1
Monthly EIR2
Cash Advance Fee3
5% of the amount withdrawn or 300, whichever is higher
Late Payment Charge
5% of the overdue amount of P300, whichever is higher
Minimum Amount Due
This is the sum of the following a) 3% of your outstanding balance (less installment amortization, if any); b) Installment Amortization; c) Overdue Amount; d) Over-limit Amount. You pay the sum of a,b,c and d or 200, whichever is higher.
Sales Slip Retrieval Fee
P250 for each sales slip retrieved for Local transactions or P450 each for international transactions
Lost Card Replacement
Php 400 for each card
Foreign Exchange Converion Rate
Assessment fee of 1% plus service fee of 1% of the converted amount based on the prevailing foreign exchange rate of Mastercard and BDO respectively at the time of posting. The service fee may be imposed at the sole discretion of BDO and may be subject to change.
Installment Acceleration Fee
5% of the total remaining balance or P300 whichever is higher
Returned Check Fee/ ADA Return Fee
P500 for each remaining balance / insufficient ADA account
1 Principal Credit Card is FREE for the first year. First Supplementary Card is FREE for Life.
2 Effective Interest Rate
3 Effective Interest Rate (EIR) for Cash Advance will vary depending on the amount of transaction made within the statement cycle. If you don't pay the full amount, it will incur additional charges on the next cycle date.
All fees and charges are subject to change upon notice. BDO reserves the right to re-impose waived fees/charges.
To apply for a BDO LausAutoGroup Mastercard, call the BDO Customer Contact Center at 8631-8000 (within Metro Manila) or at 1-800-10-631-8000 (PLDT) or 1-800-3-6318000 (Digitel), 1-800-5-6318000 (Bayantel) and 1-800-8-6318000 (Globe).