Credit Card Promos


Get up to P5,000 cash back when you shop anywhere,
ONLINE or IN-STORE, with your BDO Credit Card!


Just meet the minimum accumulated spend:

  • P20,000 to get P1,000 cash back

  • P50,000 to get P2,500 cash back

  • P100,000 to get P5,000 cash back

Promo Period
October 1 to November 30, 2021

Qualified Cards

  • BDO Mastercard, Visa, JCB, UnionPay, and Diners Club Credit Cards

  • American Express Cards issued by BDO


To get up­ to P5,000 Cash Back:



Promo Mechanics

  1. The promo is open to all active principal and supplementary credit cardholders of Mastercard, Visa, JCB, UnionPay, Diners Club and American Express Cards issued by BDO, including BDO Virtual Cards.   Installment Card, Corporate Cards and Commercial Cards are excluded from the promo.  

  2. The Promo Period is from October 1 to November 30, 2021.

  3. To participate in the promo: 

  1. The cardholder must enroll within the promo period using the Promo ID sent by BDO via Viber, SMS or email. Principal and supplementary cardholders must enroll separately using their individual Promo ID. Enrollment of a cardholder automatically enrolls all his/her qualified BDO credit card/s, including BDO Virtual Card under his Promo ID.

  2. The cardholder must use his/her qualified BDO credit card within the promo period for any of the following transactions and meet the spend requirement:

  1. Local retail transactions (straight or installment) 

  2. Online or eCommerce purchases 

  3. Foreign Currency purchases  

  4. Mail Order/Telephone Order (MOTO)

Single or Cumulative Spend Requirement Treat
P20,000 P1,000 Cash Back
P50,000 P2,500 Cash Back
P100,000 P5,000 Cash Back

No minimum amount required per transaction.

  1. The following transactions are not qualified for cash back:

  • Cash advances made via ATM or over-the-counter and cash in to load e-wallets/prepaid cards such as PayMaya, Gcash, money transfers or any similar transactions.

  • Any type of Bills Payment such as Auto Charge, Charge-on-Demand, utility or recurring bills, loan payments and the like.

  • Transactions from casinos or from merchants engaged in betting or gambling.

  • Transactions from stock trading, foreign exchange trading, financial trading services, remittance, and the like.

  • Cash Installment and Balance Installment Programs such as Cash-It-Easy, Balance Transfer, Purchase Convert and Balance Convert.

  • Any transaction used to register or redeem from other ongoing BDO credit card promos.

*BDO has the sole discretion in determining whether a transaction is classified under these exclusions. BDO is dependent on the merchant category classifications assigned by the acquiring bank of each merchant establishment to be able to identify the inclusion/exclusion of a transaction.



Earning and Crediting of Cash Back

  1. The maximum cash back is P5,000 for every qualified BDO credit card enrolled in the promo. The cash back will be posted in Philippine Peso regardless if the account is enrolled in the Dual Currency feature. Cash back earned from qualified BDO Virtual Card transactions form part of the total cash back of the card where it is linked. Click here for sample computation.

  2. To meet the total spend requirement, the Principal Cardholder cannot combine his/her purchases with the Supplementary Cardholder, and vice-versa. It is the responsibility of the Cardholder to monitor his/her qualified spend. Transactions of Principal and Supplementary cards are computed separately for earning cash back which will be credited to Principal Cardholder’s account on or before January 10, 2022 with transaction description “Shop Anywhere Cash Back”.

  3. An SMS notification for the final cash back earned will be sent to the mobile number registered in BDO’s system on or before January 12, 2022.

  4. For Cardholders enrolled in Dual Currency feature, transactions made in US Dollar and other currencies will be converted to Philippine Peso based on USD1 = P50. The amount will then be added to the total qualified Peso transactions to determine the total spend amount. Account (single and dual currency accounts) must be active and of good credit standing during the Promo Period until the awarding of cash back, otherwise, the cash back earned shall be forfeited.

  5. Cash back awarded are non-transferable and non-convertible to cash. However, it is treated as a credit or payment for purchases of any outstanding balance on the Card.



General Terms and Conditions

  1. Cardholder’s contact information must be updated to continue receiving card promotions/advisories. In case cardholder did not receive the promo ID via Viber/SMS or email, cardholder may call the BDO Customer Contact Center at (02)86318000 to get his/her assigned promo ID.  BDO will not be responsible for non-receipt of Viber/SMS or email notification due to incorrect or outdated contact details.

  2. The “Shop Anywhere Cash Back” Promo cannot be used in conjunction with other ongoing promotional offers of BDO. Similarly, cardholders can no longer request for disenrollment from the promo. Transactions that were already used to redeem treats or rebate or points from other BDO promotions (e.g. SM 3-day Sale Rebate, Credit Card Activation Programs etc.), can no longer be used to avail of the promo and vice versa. If found to have multiple availments, BDO shall have the right to reverse the rebate amount credited to the Cardholder’s BDO Credit Card, at BDO's discretion.

  3. The Principal Cardholder must examine his/her statement of account for any errors related to the Shop Anywhere Cashback Promo. All questions and issues arising from the Promo will only be accepted not later than February 12, 2022 after which the Promotion is considered conclusive.  

  4. BDO reserves the right to reverse or adjust the cash back awarded to the principal and supplementary cardholder in the event that the qualifying transactions were disputed or cancelled at a later date, or if the transaction is found to be invalid or fraudulent, or a reversal of entry is made on any of the qualified transactions, or if there is erroneous posting of the rebate, or if the transaction was used to register or redeem from another ongoing BDO credit card promo.

  5. In case of dispute in respect of but not limited to the Cardholder's eligibility, coverage of dates, fulfillment, etc., BDO's decision shall prevail. All questions or disputes regarding the Cardholder's eligibility for the Promo or for any redemption shall be resolved by BDO with the concurrence of DTI.

  6. This Promo is subject to the Terms and Conditions Governing the Issuance and Use of BDO Credit Cards and American Express Cards.



Per DTI Fair Trade Permit No. FTEB-127656 Series of 2021.