BDO Gold Mastercard

"The best Card to use for your everyday essentials, in-store and online."


  • Great savings on everyday spend
    Earn cash rebates when you use your BDO Gold Mastercard for gas, supermarket, drugstore, restaurant and online purchases. Terms and Conditions apply.
  • Exclusive discounts at your favorite online shops and mobile apps
    Bring home the latest gadgets and appliances or stock up on your groceries when you shop safely online and enjoy discounts from top online partners.
  • Up to 50% OFF Dining programs
    Indulge in a variety of cuisines at select premier dining establishments at our partner hotels.
  • 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, 2022.

  • Free up to P5 Million Free Travel Accident and Inconvenience Insurance
    Just charge your transportation fare (airline tickets and other means of public transport) to your BDO Gold Mastercard every time you travel and get FREE coverage for you and your immediate family members! Click here for the Travel Insurance Coverage and Provisions.

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!
Installment Programs
  • Buy Now, Pay Later
    Major spending on gadgets, appliances, furniture, watches, jewelry or apparel is now made worry-free with Buy Now, Pay Later! Purchase items or pay for services on installment from over 19,000 in-store and online partner stores nationwide. You may also opt to pay medical bills and school tuition on installment. Choose from 3, 6, 9, 12, 18, 24 and 36 months term for a minimum single-receipt purchase of P3,000*.

    Buy Now, Pay Later Program is available on:

    • 0% Interest**
    • Easy and affordable monthly add-on rates

      Plus, take advantage of Buy Now, Pay Later with Payment Holiday promotional offer and pay your first monthly amortization up to 4 months later and other exclusive offers.  Visit BDO website and search for “Buy Now, Pay Later” for details.

      * Minimum purchase amount may vary per partner merchant
      ** Merchants have the sole discretion on the item(s)/term(s) applicable for the 0% interest offering

  • Other EasyPay Installment Options
    • Balance Transfer
      Transfer your other card balances to your BDO Credit Card and pay it on installment with low monthly add-on rates.  Apply online via
    • Cash-It-Easy
      Convert your credit limit into cash and pay in easy installments up to 36 months. To avail, call (02) 8667-1680, 8:30am-4:30pm on banking days or visit a BDO branch near you.
    • Purchase Convert
      You can convert recent single-receipt purchases of at least P5,000 or USD200 to installment using your BDO Credit Card. Apply online via or call (02) 8631-8000.
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.
  • 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 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!
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 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
  • 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 is FREE)*
  • Supplementary Membership Fee (First Supplementary Card is FREE for LIFE)*
  • Monthly Effective Interest Rate