Update on the Credit Card Terms and Conditions

    

 
Update on the BDO Credit Card Terms and Conditions
 
Effective January 1, 2027, a Credit Card Funding Fee equivalent to 5% of the transaction amount shall apply to account funding transactions, including but not limited to e-wallet top-ups, Cash-In, Add Money transactions, and other similar transactions funded through a credit card. The Credit Card Funding Fee applies only to transactions recognized as account funding transactions.
 
Any Credit Card Funding Fee charged by the Bank is separate from and in addition to any convenience fee or similar charge that may be imposed by the merchant.
 
To view the full BDO Credit Card terms and conditions, visit the Card Forms and Related Information page.
 

Previous updates

Effective October 16, 2026, BDO will update its Credit Card Terms and Conditions regarding the venue where legal disputes or claims may be filed. This change ensures compliance with the current court procedures for small claims cases.

The BDO Credit Card Terms and Conditions will be updated to include the use of digital wallets and tokenized transactions.

These changes are designed to help you use your BDO Credit Card safely for digital and mobile payments, and to better understand your responsibilities and the security measures in place.

Updates will take effect on October 6, 2026.

Starting May 18, 2026, the BDO Credit Card and BDO-issued American Express Credit Card Terms and Conditions will be updated to introduce additional events of default and related changes to those events, and to distinguish legal and contractual set-off.

To continue enjoying the benefits of your BDO Credit Card, ensure that you settle at least the minimum amount or the outstanding balance within the payment due date. Otherwise, effective August 26, 2025, BDO will automatically debit your BDO Credit Card’s outstanding balance or any amount due from your BDO Deposit Account, if applicable. 

Updated Terms and Conditions Governing the Issuance and Use of BDO Credit Card will be uploaded on August 26, 2025. 

 
Effective May 1, 2025, a change in the Terms and Conditions Governing the Issuance and Use of BDO Credit Cards and BDO American Express® Cards will be implemented:
 
Section 15. Card Payment
 
For purposes of enforcing ISSUER’s rights against a CARDHOLDER, who is in default status or who fails or refuses, and continues to fail or refuse to pay the Outstanding Balance, who is identified as a RI of the DOS, the ISSUER is hereby authorized by the CARDHOLDER to disclose to the DOS such information about the CARD account of the CARDHOLDER, including but not limited to the unpaid obligations of the CARDHOLDER, without need of consent or approval by the CARDHOLDER.
 
 
 

Contact us

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BDO Corporate Center:

7899 Makati Avenue Makati City 0726, Philippines Trunkline: (+632) 8840-7000

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BDO Contact Center:

Hotline: (+632) 8888-0000

Outside Metro Manila

(PLDT/Globelines): #8888-0000

(For landline only, press # followed by 8888-0000)
 

International Toll-Free:

(IAC)+800-8-CALLBDO (2255-236)

(See list of IAC here)

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callcenter@bdo.com.ph

Send a message to this channel for account-related concerns.

 

For scams, fraud, or lost/stolen cards, call the BDO Customer Contact Center at (02) 8888-0000. To report phishing attempts, email us at reportphish@bdo.com.ph.

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