Terms & Conditions

Learn more about the BDO Rewards Program here.

1. Any natural person/individual who is an existing BDO Unibank (“BDO”/”bank”) personal current, savings account, or credit card client and at least 12 years old, may qualify to (“Rewards Program”). For avoidance of doubt, sole proprietorship, partnership, and/or corporate clients shall not be eligible to participate in the BDO Rewards program. BDO Rewards shall assign a level/tier to each member at the start of their membership in the program based on his/her existing business relationship with BDO.

Tier
 For Savings/Checking Account Depositors For Purely BDO Credit Cardholders***
Emerald Active Personal Peso Savings or Checking Account* 
  • Mastercard: Standard, Gold
  • VISA:  Classic, Gold
  • JCB:  Lucky Cat, Gold
  • Union Pay: Gold
Sapphire At least P500,000** or USD10,000 Personal Peso Savings or Checking Account 
  • Mastercard: Platinum
  • VISA:  Platinum
  • JCB:  Platinum
  • Union Pay: Diamond
Diamond At least P5,000,000** or USD100,000 Personal Peso Savings or Checking Account
  • Mastercard: World Elite

 

*Minimum requirement for Membership Qualification and Renewal.
**Aggregated Year-to-date average daily balance (YTD ADB) on renewal).
***Does not include American Express and co-branded credit cards.

2. For qualified Joint Accounts, only the “Primary” Account holder shall earn the points from the qualified joint account. The primary account holder is defined as the first name appearing in the account.  Joint accountholders shall be issued an Emerald Rewards membership unless such joint accountholders own other personal current or savings account that when aggregated, meet the minimum average daily balance requirement of higher membership tiers.

3. For qualified BDO Credit Card clients, only the Principal Cardholders will be given Rewards membership.

4. For clients who maintain both personal Checking/Savings account and qualified BDO Credit Card/s, basis of membership qualification/renewal will be whichever will give the higher tier assignment.

5. All clients qualified to the Rewards Program must activate their membership to get full access to the benefits of Rewards: points, perks, and privileges.   

6. By activating one’s Rewards membership, member accepts and is deemed to have accepted all the Terms and Conditions set forth herein, including present and future amendments, notwithstanding any contrary position in any related document or instrument.

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

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

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 Rewards Program’s membership tier system is BDO’s way of rewarding and recognizing its client’s level of business relationship 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. All new personal current or savings account clients of BDO who are qualified to BDO Rewards will be issued an Emerald Rewards tier. 

3. Membership tier is evaluated every January, covering previous calendar year’s year-to-date CASA balance and/or credit card ownership. During evaluation period, BDO Rewards will determine the member’s renewal tier assignment based on criteria as defined in item no. 1 of the section on membership qualification.

  • Members who will qualify for an upgrade to Sapphire or Diamond will receive the corresponding perks and privileges of their upgraded membership upon renewal.
  • Members who are able to retain their Sapphire or Diamond membership will get their new set of perks and privileges upon renewal.
  • Members who do not meet the required CASA balance and/or do not have a BDO Credit Card of higher tier will get downgraded and will not receive the refreshed set of perks and privileges upon renewal.

4. Members who no longer have active current/savings account or qualified BDO Credit Card will not be renewed. Non-renewal of BDO Rewards membership account will result in the forfeiture of all privileges, as well as any earned and available points.

5. Membership renewal and the corresponding release of membership perks and privileges shall be issued within the months of February.  Moreover, any remaining unused perks from previous year shall be forfeited upon membership renewal. 

 

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1. All BDO Rewards members will be issued a Digital BDO Rewards Card upon qualification and enrollment to the program.  The Digital BDO Rewards Card may be accessed via BDO Pay or through the Deals page in the BDO website. To view and redeem Rewards on the Deals page, members will need to provide their BDO Rewards Card number which can be found on the BDO Rewards physical card or on the BDO Pay app.

2. A BDO Rewards physical card/plastic will be automatically issued to Diamond Rewards members.

3. Sapphire and Emerald members may request for a BDO Rewards physical card/plastic via Customer Contact Center or BDO branches.  Renewal of Sapphire and Emerald Cards are also on a per request basis and not automatic.

4. All physical BDO Rewards Cards will be delivered to the BDO branch linked to the member’s BDO Rewards records.  BDO Credit Cardholders who do not maintain any personal savings or current account with any branch may nominate a BDO branch where they can pick-up their physical BDO Rewards Card.

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

 

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1. Upon qualification and enrollment to the BDO Rewards Program and issuance of either digital and/or physical BDO Rewards Card, membership activation is required to enable access to the BDO Rewards Programs’ benefits, e.g., points earning from featured bank products, redemption of points, and availment of perks and privileges.  

2. Membership activation will only be required once, at the onset of membership, and is required for earning of points from qualified BDO transactions including, but not limited to, points earning from current or savings account, points from participating in bank promos, points transfers from other BDO Rewards members, and peso points transfers from BDO Credit Cards.

3. Activation of BDO Rewards Card – whether digital or physical, may be done online through any of the following channels:   

  • Via BDO Pay
  • Via BDO Rewards in the BDO Deals page
  • Via the BDO Call Center: Call BDO Call Center at (02) 8888-0000 and follow the self-service, IVR prompt.

4. Members who will not activate/opt-in will continue to be eligible to the BDO Rewards Program and their digital BDO Rewards Card shall continue to be valid. However, program points, perks, and privileges are suspended until membership is activated.

5. Members with BDO Rewards physical cards/plastics can still use the old card until it expires or gets replaced. 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. Activation of the new card is only to enable the points redemption via EFT/POS function. A member may continue to enjoy the full program benefits even with a non-active renewal card/plastic on the condition that membership activation, as described in Item 1 of this section, has already been fulfilled.

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

7. 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. BDO Rewards physical cards/plastics expire in 5 years or upon the lapse of such other periods as may be reflected on the ‘valid thru’ section of the card. In the event of a tier change resulting from membership evaluation, renewal, upgrade, or downgrade, the tier indicated on the BDO Rewards physical cards/plastics may no longer reflect the member’s actual current tier. Clients may refer to their Digital BDO Rewards Card on BDO Pay to view their current membership tier.

2. Digital BDO Rewards Cards do not expire. Validity of Digital BDO Rewards Cards is co-terminus with one’s banking relationship and active ownership of any qualified BDO products as determined in Section I - “Membership”, item A1 - “Qualification”.

3. 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.

4. 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) 8888-0000 International Toll Free: (Int’l. Access Code) +800-8-CALLBDO (2255-236)

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 who requested for a BDO Rewards physical card/plastic, 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 to the member’s 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.

MTD ADB of qualified personal savings/checking account

Points Earning

Minimum MTD ADB of P50,000 or USD1,000

1 point for every P30,000 MTD ADB or USD600

 

2. For BDO Credit Cardholders, BDO Rewards 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 P50,000 OR USD1,000 deposit balance (MTD ADB).  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 first week of the following month

Credit Card Push Points

Within 7 working days from the member's request

* Posting or loading of points is enabled when BDO Rewards card is activated as stated in Section II - “BDO Rewards Card”, item no. 1 of B. Activation.

5. 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.

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

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

8. 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.

9. 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.

10. 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 membership and the BDO Rewards physical card must be activated to enable points redemption (refer to Section II. BDO Rewards, B. Card Activation for ways to activate).

2. To redeem points using a BDO Rewards physical card/plastic, the member whose name appears on the card simply has to present his valid and activated card to any merchant partner of BDO Rewards and use the points in his card to pay for his purchases, as per the 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. To redeem points using Digital BDO Rewards Card, member may choose any of BDO Rewards’ online redemption partners as published in the BDO website and or BDO Pay. When available, BDO Rewards points may likewise be used as a payment instrument when using BDO Pay’s “Scan to Pay” function in any BDO Rewards’ accredited merchant partners.

4. Other ways to redeem BDO Rewards points online or through BDO Pay are:

a. Transfer to another activated BDO Rewards Card number

b. Conversion to BDO Credit Cards’ Cash Credits

c. Purchase of eGCs

d. Transfer to SMAC/SMAC Prestige

e. Others

5. Online redemption terms and conditions may vary on a per redemption item basis.  Full redemption mechanics are published separately, depending on the item being redeemed.

6. Enabling the use of BDO Rewards points to access some functions in BDO Pay such as, but not limited to, “Pay Bills” and “Buy Load” may be allowed on a promotional, limited period as determined by BDO Rewards. 

7. Function of “Send Money” with BDO Rewards points as source of fund is permanently disabled.

8. Redemption fees and charges may apply depending on partner merchants and corresponding service fees that may be charged to the member’s points.

9. 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.

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

11. 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 BDO Rewards points due to a lost card or a compromised online account access, it shall be required for a member to report such loss within twenty-four (24) hours from the knowledge thereof in compliance with section D. Replacement of BDO Rewards Physical Card/Plastic section before any investigation can be conducted therein.

12. 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. BDO Rewards perks and privileges are given to clients based on their membership tier.

2. To continuously enjoy the corresponding perks and privileges, a member must maintain the minimum account balance (MTD ADB) or keep the qualified BDO Credit Card active, as defined in the Membership Qualification section. Otherwise, it may result to suspension of membership privileges.

3. Availment of all member perks and privileges shall be bound by the corresponding Terms and Conditions as 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.

8. BDO reserves the right to deduct Rewards Points from a member’s account for any perks or privileges availed in excess of the member’s entitlement. Any such adjustment will be handled in line with BDO’s program guidelines.

 

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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 by activating or using the BDO Rewards physical or digital card in relation to products and services of BDO, 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 section 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

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BDO Corporate Center:

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

phone-icon

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

This channel is dedicated to handling online banking enrollment and/or updating of registered online banking contact information of overseas clients. For phishing reports, please send the email to reportphish@bdo.com.ph.

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