Terms & Conditions

Learn more about the BDO Rewards Program here.

1. Any person/individual who is currently an existing BDO Unibank (“BDO”/”bank”) client and at least 12 years old, may qualify as a member upon reaching the minimum requirement as stated in the table below. For avoidance of doubt, sole proprietorship, partnership, and/or corporate clients shall not be eligible to participate in the BDO Rewards program. BDO Rewards will assign a level to each member at the start of their membership in the program. The assigned level is based on the member’s existing relationship with the bank.

Minimum Requirement* for Membership Qualification and Renewal

For Savings Account
For Savings/Checking account Depositors For Purely BDO Credit Cardholders***
Emerald At least ₱100,000** Personal Peso Savings or Personal Checking Account
  • Mastercard: Standard, Gold
  • VISA: Classic, Gold
  • JCB: Lucky Cat, Gold
  • Union Pay: Gold
Sapphire At least ₱500,000** Personal Peso Savings or Personal Checking Account
  • Mastercard: Titanium, Platinum
  • VISA: Platinum
  • JCB: Platinum
  • Union Pay: Diamond
Diamond At least ₱5 Million** Personal Peso Savings or Personal Checking Account
  • Mastercard: World Elite


* Month-to-date average daily balance (MTD ADB), per account. Accounts are not aggregated to meet the minimum requirement.
** Or converted equivalent for USD Personal Savings or Checking Accounts
*** Qualification will only be upon request of the credit card holder to push Peso Points to Rewards.

2. For Joint Accounts, only the Primary Account holder will be enrolled as a member in the Rewards Program and shall earn the points from the qualified joint account. The primary account holder is defined as the first name appearing in the account.

3. For clients that are qualified to BDO Rewards because of their credit card, only Principal Cardholders are eligible to be enrolled in the Rewards Program.

4. For clients who maintain both personal Checking/Savings account and qualified BDO Credit Card/s, basis of membership qualification/renewal will be their qualified personal Checking/Savings account only.

5. All qualified members shall keep their information file up-to-date by reporting any change in name, address, civil status and other data via member’s BDO branch of account. Verbal notification is not valid and BDO reserves the right to suspend card issuance if any of the said customer data is not updated.

6. BDO has the sole discretion to issue the BDO Rewards Card, which shall remain its property.

7. The BDO Rewards Membership is for the exclusive use of the member in whose name it was issued and is not transferable.

8. By qualifying for BDO Rewards membership, member accepts and is deemed to have accepted all the Terms & Conditions set forth herein, including present and future amendments, notwithstanding any contrary provision in any related document or instrument.

9. All membership eligibility and enrollment processes shall be subject to criteria prescribed by BDO. All questions or disputes regarding eligibility for membership in the BDO Rewards Program will be resolved by BDO at its sole discretion.

10. BDO reserves the right, at its sole discretion and without need of consent or prior notice, to cancel or suspend BDO Rewards membership and the BDO Rewards Card of a member; terminate any investigation commenced in relation to any dispute per Section on Points Redemption item no. 7; and/or to amend the Terms and Conditions or any part thereof at any time.


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1. The program’s membership tier system is BDO’s way of rewarding and recognizing its client’s level of business with BDO. Each membership level comes with a different set of perks and privileges. Thus, the higher the membership tier, the more benefits are given to a member.

2. BDO Rewards will assign a tier to each member at the start of their membership in the program. The assigned tier is based on the member’s existing relationship with the bank as stated in item no. 1 of the section on Membership Qualification. Each membership cycle has a duration of 5 years.

3. The membership and the tier is evaluated for renewal every five years at the end of each cycle. For membership to be retained and renewed, a member must maintain the qualifying account balance or keep the BDO Credit Card active for the particular tier as defined in item no. 1 of the section on membership qualification. Otherwise, the membership might be downgraded or not renewed.

4. Assignment of membership tier is evaluated on the 2nd, 4th, and 5th year of each membership cycle. A member may qualify to be upgraded to a higher membership tier by maintaining the required account balance for the particular tier. If a member qualifies for a higher tier, the membership account and the BDO Rewards card issued will be upgraded but the membership account expiry date will be retained.

5. Non-renewal of Rewards membership account will result in the forfeiture of all privileges, as well as any earned & available points.


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1. Card activation is required to enable loading of earned bank points and redeem points through your BDO Rewards Card.

2. First-time members have twelve (12) months to activate their BDO Rewards cards from issuance date.

a. If a first-time member fails to activate within the above specified period, ALL points shall be forfeited in favor of the bank and may result to non-renewal, card cancellation and discontinuance of points crediting, at the bank’s discretion.

b. If a first-time member activates beyond 12 months but still within their card’s validity, points earning will resume upon activation. Only points earned after activation will be credited to their card.

3. Ways to Activate Card

1. Activate via SMS.

Text BDOR<space>AC<space>Last 8 digits of the BDO Rewards card number<space>4-digit PIN and send to 225600. (Ex. BDOR AC 01234567 0876)

2. Activate via phone.

Call BDO Call Center at (02) 8631-8000 or Domestic Toll Free 1-800-10-631-8000, International Toll Free: (Int’l. Access Code) +800-8-631-8000.

To activate your card, use the default PIN which is your birth month and the last 2 digits of your birth year indicated in our records. For example: “0170” for January 1970. If you receive an error message, call the BDO Call Center.

4. Member can still use the old card until it expires. When a new card is issued, member must activate the new card and discontinue use of old card; old card should be disposed/perforated even if it is still valid, to avoid unauthorized usage.

5. All valid points accumulated in the old BDO Rewards Card and/or expired card will be automatically transferred to the new card.

6. Member waives any and all claims, rights and remedies that the member may now have or in the future claim to have against BDO in connection herewith.


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1. Cards expire in 5 years or upon the lapse of such other periods as may be reflected on the ‘valid thru’ section of the card.

2. There are no card renewal fees unless otherwise determined by BDO.


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1. Lost or stolen cards must be reported immediately as indicated in item #4 below to enable BDO Rewards to block the card from further use. Redemption and points crediting will not be allowed after a card has been blocked. Member shall have the sole responsibility of safekeeping his card against loss, theft, or misuse, and against unauthorized or fraudulent points use or redemption. BDO shall have no liability whatsoever for any and all such loss, theft, misuse, or unauthorized or fraudulent use or redemption of points earned on the lost or stolen card.

2. Damaged/defective cards must be reported immediately as indicated in item #4 to facilitate replacement of card.

3. Lost, stolen or damaged card due to member’s negligence, misuse, or abuse may be replaced for a fee. BDO will only replace the damaged card for free if it is reported within three months from issuance date.

4. To report a lost, stolen or damaged card, member may call BDO Call Center at (02) 8631-8000 or Domestic Toll Free at 1-800-10-631-8000 or International Toll Free: (Int’l. Access Code) +800-8-631-8000.

5. A third party representative may call on behalf of the member to report a lost, stolen or damaged card. However, the member is the only one authorized to request for card replacement.

6. Card replacement fee is waived for Sapphire and Diamond Rewards members. For Emerald members, they have the option of paying the fee in cash through their BDO branch of account or deduct from their available points balance.

7. Card replacement fee is P150.00 or 150 points.

8. To pay the replacement fee using points, the member may call the BDO Call Center or visit his BDO branch of account.

9. The replacement card will be delivered via courier to the member’s mailing address indicated in BDO’s records. For Diamond members, card is delivered through his BDO branch of account. Delivery is within 3 to 4 weeks or other periods as may be determined by BDO, from receipt of request and payment of card replacement fee.

10. All points balance accumulated and unredeemed/unused in the damaged, stolen or lost BDO Rewards Card shall be automatically transferred to the replacement card.

11. BDO shall not be held liable for a member’s lost or redeemed points from card until the card has been reported as lost and has been blocked by BDO.

12. Issuance of any replacement card shall be at BDO’s sole discretion, and may be subject to submission by member of certain documentary requirements.


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1. BDO Rewards Points are earned from maintaining account deposit (MTD ADB) in your personal Savings/Checking account.

  • 1 point for every P10,000 MTD ADB for MTD ADB of P100,000 to P4,999,999
  • 1 point for every P50,000 MTD ADB for MTD ADB of P5,000,000 and above

2. For BDO Credit Cardholders, points may be earned by redeeming credit card points for transfer to BDO Rewards.

3. Points are earned per qualified personal Savings and Checking accounts on a per account basis i.e. each Savings/Checking account should have minimum P100,000 deposit balance (MTD ADB) to earn points. Values of accounts are not aggregated when determining points to be earned.

4. Points are posted on the member's account as follows:

Transaction Posting Period
Savings/Checking Account Balances Within the following month from previous month's deposit balance (month-to-date average daily balance)
Credit Card Push Points Within 7 working days from the member's request

* Posting or loading of points is enabled when Rewards card is activated as stated in Activation portion, item no. 1.

5. Should a member have multiple accounts in BDO that resulted to multiple BDO Rewards Cards, BDO has the right to cancel the other card/s in excess of one (1) and retain only one (1) surviving card. All valid points from the other card/s will be transferred to the surviving card & only the surviving card will continue to earn points from valid transactions.

6. Dormant accounts are not entitled to earn points.

7. All earned, unredeemed or unused points shall expire after five (5) years from the month the point/s are earned unless otherwise determined by BDO.

8. Points cannot be earned from tax and other government charges payment transactions.

9. Points earned by the member do not constitute property of the member.

10. BDO reserves the right without need of notice to or consent from member, to make adjustments on earned or accrued points as it sees fit, including, but not limited to, deduction of points arising from BDO’s resolution of disputes and/or from over–crediting/mis-crediting of points (“erroneous credit/s”). In which case,

a. BDO shall make the necessary reversal of points that were erroneously credited but not yet spent/used by a member by deducting said points from member’s points balance.

b. In the event that the erroneously credited points were already spent/used by the member with or without knowledge or notice of such erroneous credit, or in the event the BDO Rewards Card of member does not have sufficient balance to fully settle the erroneous credits, member agrees and undertakes to immediately return to BDO the Philippine peso equivalent of the erroneous credits due upon demand. 

11. Without prejudice to other grounds for membership cancellation and forfeiture of points set forth elsewhere in these Terms and Conditions, BDO reserves the right to forfeit any and all points earned from any and all types of transactions, and/or cancel the membership, at BDO’s sole discretion, in any or all of the following instances:

a. Death or legal incapacity of member;

b. Violation of BDO Rewards Terms and Conditions;

c. BDO Rewards Program abuse or mis-use, fraudulent, unauthorized or unlawful transactions on the BDO Rewards Card (e.g. fraudulent, unauthorized or unlawful points redemption);

d. Member’s account/s is/are subject to garnishment, execution and/or freeze order; or

e. Other reasonable ground/s as may be determined by BDO.

Further, in case of member-initiated cancellation of his/her BDO Rewards card/membership, BDO reserves the right to automatically forfeit all earned points.


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1. BDO Rewards Card must be activated to enable Rewards Peso Points redemption (refer to Card Activation portion for ways to activate).

2. To redeem Rewards Peso Points, the member whose name appears on the card simply has to present his valid and activated card at The SM Store, SM Supermarket, SM Hypermarket, and other SM retail establishment or retail partners and use the points in his card to pay for his purchases, as per the following guidelines:

a. The member must have a minimum of 20 points balance equivalent to P20.00 to be able to start redeeming. There is no minimum points requirement to redeem. One point is equivalent to P 1.00.

b. Points posted are points available for redemption.

3. 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 area) are allowed to redeem their points in their branch of account via credit to account. Members who maintain accounts with multiple branches (whether in an SM or non-SM area) may be accommodated for credit-to-account redemption as long as the branch facilitating his redemption request is categorized as a non-SM branch.

4. No redemption fees will be charged.

5. Points reflected in BDO Rewards shall be deemed correct and BDO has the exclusive right to determine the available points to be redeemed by the member.

6. Under no circumstances may the redeemed points be interchangeable for other rewards or privileges, nor can it be refunded, transferred or sold.

7. Any disputes regarding awarded points and/or invalid points redemptions must be reported no later than six (6) months from the transaction date. Resolution will be subject to standard investigation procedures of BDO. Further, in cases of unauthorized redemption of Rewards points due to a lost card, it shall be required for a member to report such loss within twenty-four (24) hours from the knowledge thereof in compliance with Card Replacement provision, under item no. 2 before any investigation can be conducted therein.

8. By redeeming points, the member releases BDO from any and all claims, causes of action, suit, and liabilities of whatever nature arising from or in connection with the use and redemption of the points.


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1. A member can request to transfer his points to another member through the following:

a. Min. 100 to 10,000 points: Call BDO Call Center at (02) 8631-8000 or Domestic Toll-free at 1-800-10-631-8000 or International Toll-free (Int’l Access Code) +800-8-631-8000

b. 10,001 points and above: request must be done through the member’s branch of account

2. The BDO Rewards Card of both sender and recipient must be activated. Otherwise, BDO Rewards can facilitate activation of card/s in order to process the points transfer request, as long as there is a supported documented request from member/s.

3. Member can have three (3) transfer requests within a calendar month and each request should be at least 100 points. Only the sender is authorized to request for the transfer.

4. Points transferred are not included in the recipient’s membership level evaluation.


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1. BDO Rewards privileges are given to clients based on their relationship with BDO.

2. To continuously enjoy the corresponding perks and privileges, a member must maintain the minimum account balance (MTD ADB) or keep active the qualified BDO Credit Card as defined in item no. 1 of the section on Membership Qualification. Otherwise, it will result to suspension of membership privileges.

3. To redeem BDO Rewards’ bank perks and privileges, member whose name appears on the card must simply follow the instructions indicated on each bank voucher and certificate. Lost voucher or certificate will not be replaced and value of perk or privilege thereof shall be forfeited. Availment of all member perks and privileges (including but not limited to voucherless perks and other promotional offers) shall be in accordance to guidelines set by BDO and or its partners.

4. All questions or disputes regarding availment of perks and privileges will be resolved by BDO at its sole discretion.

5. BDO is not liable for any perks and privileges not being available or being withdrawn for any reason whatsoever by BDO and its Rewards Partners.

6. In the event that (a) a BDO Rewards Card is not accepted, honored or processed by any BDO Rewards Partners for any reason whatsoever; or (b) any benefit to which a BDO Rewards Cardholder is entitled to is not extended or granted for any reason whatsoever, the member shall direct any complaint regarding either of the foregoing to the relevant BDO Rewards Partner for action. Any complaint that BDO may receive on such matters shall be immediately referred to the relevant BDO Rewards Partner without BDO incurring any liability arising from the complaint.

7. All costs, charges, claims or liabilities including duties, taxes and fees in availing of any perks and privileges shall be charged to the account of the member.


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1. BDO Rewards Program is a privilege granted by BDO to its clients for their continued loyalty. The Terms and Conditions herein cannot be superseded nor changed except by BDO. Failure of BDO to enforce a particular term, condition or guideline does not constitute a waiver thereof or of any other term, condition or guideline.

2. BDO reserves the right to appoint agent(s) and/or contractor(s) to perform the functions in relation to the BDO Rewards Program, including but not limited to disclosing member information. Accordingly, reference to BDO under these terms and conditions shall automatically include such agent(s) or contractor(s).

3. BDO reserves the right at all times to withdraw, cancel, withhold, substitute, deny access to or use of, or in any way change any of the program mechanics including perks and privileges previously advertised or offered to any member at any time, without prior notice, and BDO will not be liable for any loss or damage suffered by the member resulting from such withdrawal, cancellation, variation or change.

4. BDO shall use all reasonable endeavors to provide members with accurate and timely information regarding BDO Rewards including any changes thereof. However, BDO shall not be liable in any way for failure to do so. 

5. Member irrevocably authorizes BDO, its subsidiaries and affiliates (related companies), and their respective officers and employees, to do any one or all of the following:

a. Release, disclose, submit, share, or exchange any member and/or card information and reports as they may deem fit or necessary and for lawful purposes, including but not limited to consumer reporting or reference agencies, government regulatory agencies, and to other banks, creditors, financial institutions, loyalty program partners, merchant partners, service providers, or third party;

b. Use or share with third parties the information member has provided and/or information derived from external sources for conducting internal marketing studies, surveys, marketing activities or promotional offers of BDO, its Related Companies, merchant partners, and/or to develop and make offers which member may receive through email or through other means of communication For the above purposes, Cardholder hereby waives his confidentiality rights under the relevant laws, government rules and regulations, and hereby agrees to indemnify and keep BDO and Related Entities, including their respective directors, officers and employees, free and harmless from and against any and all claims, suits, actions or proceedings which may arise as a result of or in connection with the release and disclosure of the member and/or card information as set out above. 

6. In addition to other non-liability/indemnification provisions in favor of BDO, member hereby agrees to indemnify and render BDO, its directors, officers, employees and agents and assigns, free and harmless from and against any claim, cause of action, suit, liability, loss or damage of whatever nature which may arise as a result of or in connection with the use of the card and the transactions made with the use of the card, in the following instances:

a. Disruption, failure or delay relating to or in connection with the use of the card which is due to circumstances beyond the control of BDO, fortuitous events such as but not limited to prolonged power outages, breakdown in computers and communication facilities, computer-related errors, typhoons, floods, public disturbances and calamities and other similar or related cases;

b. Fraudulent or unauthorized utilization of the card due to theft, unauthorized disclosure or breach of security or confidentiality of card information with or without member’s participation;

c. Inaccurate, incomplete or delayed information received by BDO due to disruption or failure of any communication facilities or electronic device used for the card;

d. Mechanical defect in or malfunction of the electronic device on which the card is used (i.e. POS, etc.), the card not being honored or being declined; any delay in the crediting of points due to or by reason of failure and/or malfunction of any mechanical, electronic or other part, component, system or network upon which the card is critically dependent on normal and efficient operations; and/or

e. Improper, unauthorized use of the card’s facilities and electronic devices (i.e. POS, etc.); or recklessness or accident in connection with the use thereof. The above provisions shall survive the termination or suspension of the right to use the card.

7. BDO’s entire liability for loss or damage (if any) in connection with card use shall be limited to the amount of P10,000 or the actual damage or loss incurred, whichever is lesser. BDO shall not be liable for any special, consequential or indirect damage suffered by the cardholder from the use of the card even if BDO has been advised of the possibility thereof. This provision shall survive the termination or suspension of the right to use the card.

8. By becoming a member under the BDO Rewards program and/or using the BDO Rewards Card, the Member agrees to be bound by these terms and conditions as may be amended, supplemented or updated by BDO from time to time. Complete and updated information about the BDO Rewards program including, but not limited to the Terms and Conditions, program mechanics, promotional offers, member perks and privileges are reflected in the BDO Rewards portion of the BDO website: www.bdo.com.ph/rewards (collectively "BDO website contents"). In case of conflict between any information, terms and conditions related to the program, contained in print or non-print/digital form outside of the BDO website, and the BDO website contents, the latter shall prevail.

9. For any complaint or concern, the member may visit the branch of account or the BDO Consumer Assistance Management System at www.bdo.com.ph/consumer-assistance. The member agrees and understands that BDO will endeavor to resolve any properly communicated complaint within 7 to 10 banking days from BDO’s receipt of the complaint with complete information, and that for complaints requiring more time to investigate and resolve, BDO will advise Member accordingly, including the progress thereof. Member agrees to fully cooperate with any such investigation by providing the necessary or required data, information, and documents.


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Contact us

BDO Corporate Center

BDO Corporate Center:

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

BDO Corporate Center

BDO Contact Center:

(+632) 8631-8000