The best card to use when in Japan.
  • Free Annual Fee for Life
    Principal cardholders enjoy free membership on the first year while the first supplementary is free for life.
    For the succeeding years, simply spend at least Php300,000 a year and the Membership Fee is automatically waived for your Principal card. Do the same every year and your BDO JCB Gold credit card is FREE FOR LIFE!

  • Free Travel Insurance Coverage
    Leave your worries behind! All BDO Gold Cardholders are entitled to free Travel Accident Coverage of up to P5 Million. Travel Inconvenience Coverage of  up to Php 1,250 for every 8-hour flight or baggage delay and  up to Php 30,000 for lost or damaged baggage and personal effects. You are also entitled to medical expense reimbursement of up to Php 5,000. Just charge your  travel expenses (airline tickets and other means of public transport) to your BDO Gold credit card every time you travel!
  • Credit Card Points Redemption Program
    Transform your shopping sprees into exciting travel, shopping and dining opportunities! Earn one (1) point for every Php50 charged to your BDO JCB Gold Credit Card and exchange your points for an exclusive reward of your choice.Choose from an array of cool and slick gadgets, travel accessories, wide assortment of great finds, and gift certificates from leading department stores and merchant partners in the BDO Credit Card Points Redemption Catalogue.

    What's more, your Credit Card Points earned do not expire as long as your BDO credit card remains active. More chances to accumulate and redeem the best Rewards.

    Please check Terms and Conditions for more details.

  • JCB Lounge Services
JCB Plaza Lounge
Enjoy free access to JCB Plaza Lounges located in tourist shopping areas at 9 major cities across the globe. Lounge services include:
  • Tourist and travel information
  • Reservation for hotels, restaurants, tours, and tickets
  • Assistance on card related emergencies
  • Other services such as free wifi, use of computers, drinks and temporary luggage holding among others.
Click here for JCB Plaza Lounge locations and details.
JCB Airport Lounge
Relax and enjoy lounge amenities at airports throughout Japan and Hawaii. Simply present your BDO JCB Gold Credit Card to access the lounge.
Click here for JCB Airport Lounge locations and details.
Please check Terms and Conditions for details.
Click here to view Table of Fees and Charges and Sample Finance Charge Computation.

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:
  • 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 JCB Gold Credit Card at our partner stores. Whether you’re shopping, dining, traveling or simply relaxing, use your BDO JCB Gold Credit Card and you’ll surely be DELIGHTED!
Spend ANYWHERE with your BDO JCB Gold Credit Card and get instant treats, on top of the points you earn.
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
BDO JCB Gold Credit Cards are accepted worldwide wherever JCB cards are recognized.
Application Requirements
Eligibility Criteria
  • Must be 21 – 70 years old for principal; at least 13 years old for supplementary cardholders
  • Must have at least one landline phone
  • Must be a Filipino citizen or a foreigner who is a permanent resident in the Philippines for the last 2 years
  • Must be a regular employee or if self-employed, with business operating for at least 2 years
  • Residence or Office Address must be within any area where a BDO branch is located
  • Income Requirement: Php 420,000 Gross Annual Income
Documentary Requirements
A. Applicants with Existing Credit Cards
Photocopy of the following:
  1. Credit card charge slip (not more than 30 days old from transaction date) or latest credit card statement of account
  2. Front of existing credit card
  3. Front and back of valid ID with signature and photo, issued and signed by an official authority: Passport, Driver's License, Professional Regulations Commission (PRC) ID, National Bureau of Investigation (NBI) Clearance, Police Clearance, Postal ID, Voter's ID, Barangay Certification, Government Service Insurance System (GSIS) E-Card, Social Security System (SSS) Card, TIN ID, Alien Certification of Registration or Immigrant Certificate of Registration, Government Office (e.g. Armed Forces of the Philippines (AFP), Home Development Mutual Fund (HDMF)) IDs and other valid IDs issued by the Government and its instrumentalities
  4. Photocopy of your latest BIR Form 2316 signed by employer's authorized representative (for employed) or photocopy of latest ITR and W4 with BIR stamp (for self employed)
B. Uncarded Applicants:
  1. Proof of Income
    a. For Employed (Required): Photocopy of latest BIR Form 2316 signed by employer's authorized representative AND one of the following:
    • Original copy of Certificate of Employment and Income (COEI) indicating status, length of service, and compensation breakdown
    • Photocopy of latest full month payslip
    b. Self-Employed (Required):
    • Photocopy of Registration of Business Name
      • For Single Proprietorship issued by DTI
      • For Partnership/Corporation issued by SEC
    • Photocopy of latest ITR and W4 with BIT/Bank Stamp
      • Audited Financial Statements for the last 2 years; OR
      • Bank Statements for the last 3 months
  2. Proof of Identification
    (Please refer to list of government issued IDs in item no. 3, under A. For Applicants with Existing Credit Card/s)
For Foreigners
  1. Copy of Employment Contract or Certificate of Employment
  2. Letter from Embassy (if Embassy Official)
  3. Submit photocopy of ANY ONE of the following:
  • Valid Passport with Resident Visa
  • Work Permit and Valid Visa
  • Special Investor's Resident Visa and Visa's Philippine Economic Zone Authority or Visa with EO226
  • ACR or ICR or ACR-1
To apply for a BDO JCB Gold Credit Card, call the BDO Customer Contact Center 8631-8000, Domestic Toll-Free at 1-800-10-6318000 (PLDT) or 1-800-3-6318000 (DIGITEL)
Click here to view the BDO Gold Card Application Form
  • Principal Membership Fee First Year FREE for Life*
  • Supplementary Membership Fee First Supplementary FREE for Life*
  • Monthly Effective Interest Rate
  • *Terms and Conditions apply