BDO Gold Mastercard

"The Card that Fulfills Lifestyle Upgrades”
  • Free Travel Accident and Inconvenience Insurance
    Leave your worries behind!  All Principal and Supplementary BDO Gold Credit Cardholders including immediate family members (spouse up to 75 years old, children up to 18 years old) get up to Php 5 million Travel Accident and Inconvenience Insurance for FREE!

    Just charge your transportation fare (airline tickets and other means of public transport) to your BDO Gold Credit Card every time you travel!
    Please click here for the Travel Insurance Coverage and Provisions.

  • Credit Card Points Redemption Program
    Earn one (1) point for every P50 charged to your BDO Credit Card and exchange your points for exciting rewards selections in the BDO Credit Card Points Redemption Catalogue.
     
  • Dual Currency Billing Option*
    Have the convenience of both Philippine Peso and US Dollar accounts in one card, where your local transactions will be billed in Philippine Peso and international transactions in currencies other than the Philippine Peso. Thus, you have the option to pay the exact amount in US$ or inquire for the prevailing exchange rate when you opt to pay in Philippine Peso.
    *Enrollment is required to avail of this feature.
To enroll in this feature, you may choose any of the options below:
1. Click here
2. Text BDOCC<space>DUAL-OPT-IN<space>last 4-digits of your card/last name/first name/middle initial and send to 2256.
Example: BDOCC DUAL-OPT-IN 1234/Reyes/Juan/A
 
To dis-enroll from this feature,  you may choose any of the options below:
1. Click here
2. Text BDOCC<space>DUAL-OPT-OUT<space>last 4-digits of your card/last name/first name/middle initial and send to 2256.
Example: BDOCC DUAL-OPT-OUT 1234/Reyes/Juan/A

 

Please check Terms and Conditions for details.

Click here to view Table of Fees and Charges and Sample Finance Charge Computation.

Free Membership Fee
FREE Membership Fee for the 1st year. Automatic annual membership fee waiver for a spend of at least P300,000/year for Gold cardholders.
 
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 - Philippine Peso
      You can convert almost anything into installment using your BDO Credit Card. Simply call (02) 8631-8000 or apply online via www.bdo.com.ph/EPConvert and convert any of your PHP purchases of at least Php 3,000.
    • EasyPay Convert - Unites States Dollar
      Convert any of your USD single-receipt purchases worth at least USD 200 into installment using your BDO Credit Card. Simply call (02) 8631-8000 or apply online via www.bdo.com.ph/EPConvert.

      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:
  • Secure via Virtual Card
    Get a free Virtual Card - the Virtual Card is a credit card designed exclusively for use in the Internet; it has a different card number from your regular BDO credit card to protect your regular card number and credit line.
  • 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 Credit Card at our partner stores. Whether you’re shopping, dining, traveling or simply relaxing, use your BDO Credit Card and you’ll surely be DELIGHTED!
 
Treats
Spend ANYWHERE with your BDO 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 Branch Counters – cash or check payments are accepted at any branch
  • BDO eBanking* – transact anytime, anywhere in the world, through www.bdo.com.ph
  • 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
Your BDO MasterCard Credit Card is your ideal travel companion. It is accepted worldwide in over 20 million locations and in over 275 countires and territories.
 
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
  1. 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
  1. For 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
  1. Proof of Identification
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 Gold MasterCard 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)
  • Principal Membership Fee First Year FREE for Life*
    P2400
  • Supplementary Membership Fee FREE for Life*
    P1200
  • Monthly Effective Interest Rate
    3.25%