BDO JCB Gold

Your card for lifestyle upgrade

Free Membership Fee
First supplementary cardholder is free for life.
Prinicipal cardholder and the succeeding supplementary cardholders can enjoy FREE membership fee for the first year.
Credit Card Peso Rewards Program
Earn two (2) Peso Points* for every P1,000 qualified spend on your BDO Credit Card, where one (1) Peso Point is equal to P1.00. You can push your Peso Points to your BDO Rewards card and shop using your points directly at any SM Retail Store. Or, convert your Peso Points to Cash Credit and pay your credit card balance or use as extra funds for more shopping!
*Special offer valid until December 31, 2021
Click here for more details.
Free Travel Accident & Inconvenience Insurance Coverage
Your card comes with Travel Insurance Coverage of up to Php5 Million. Just charge your travel expenses (airline tickets and other means of public transport) to your BDOJCB Gold Credit Card every time you travel. Click here for the Travel Insurance Coverage and Provisions.
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
Other services such as free wifi, use of computers, drinks and temporary luggage holding.

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 13,000 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:
- 0% Interest on Installment*
- 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
  You can convert single-receipt purchases of at least Php3,000 into installment using your BDO Credit Card. Simply call (02) 8631-8000 or apply only via www.bdo.com.ph/easypay-convert
  Note: 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 www.bdo.com.ph/EPConvert; 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.

Delights
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!

Treats

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 www.bdo.com.ph 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 Branches
BDO Online Banking*
BDO Phone Banking*
Auto-Debit Arrangement (ADA) Payment Facility
BancNet
Save More Market Branches
SM Bills Payment Counters

*Enrollment of your BDO account is required to avail of this payment facility.

Worldwide Acceptance

BDO JCB 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 be a Filipino citizen or a foreigner who has been a permanent resident in the Philippines for the last two (2) years
Minimum Gross Fixed Annual Income of P420,000;
Must be regular employee or if self-employed with business operating for at least two (2) years
Must have at least one (1) landline number in either residence or place of work, or mobile number (postpaid or prepaid)
Residence or Office Address must be within any area where a BDO branch is located

Documentary Requirements

A. Applicants with Existing Credit Cards

Photocopy of the following:

Credit card charge slip (not more than 30 days old from transaction date) or latest credit card statement of account
Front of existing credit card
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
Latest BIR Form 2316 signed by employer's authorized representative (for employed) or latest ITR and W4 with BIR stamp (for self employed)

B. Uncarded Applicants:

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
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

Copy of Employment Contract or Certificate of Employment
Letter from Embassy (if Embassy Official)
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

Apply Online

Download PDF

Principal Membership Fee (First Year is FREE)*

P200/month
Supplementary Membership Fee (First Supplementary Card is FREE for LIFE)*

P100/month
Monthly Effective Interest Rate

2%
*Terms and Conditions apply

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BDO JCB Gold