BDO ShopMore Mastercard

"The Card that gives more rewards and shopping value!”
  • Free SMAC
    Get a FREE SMAC for your Principal and Supplementary BDO ShopMore Mastercard! Earn the highest Rewards Points every time you shop at any SMAC Partner establishment. Shop with your points, get discounts, and enjoy freebies with your SMAC at any SM Retail Stores and partners nationwide. 

    Visit for more details

  • Earn Peso Points Anywhere
    Earn 2 Peso Points* for every P1000 spend loaded automatically in multiples of P100 to the FREE SMAC that came with your Card. Accumulate these Peso Points and use them to pay for purchases at all SMAC partner establishments.

    * Special Offer valid until December 31, 2022.

  • Up to 10% Cash Rebate*
    Get extra rebates on select days and weekends when you shop at The SM Store, participating SM Retail Affiliates and partner retail brands. The more you SHOP, the more you SAVE!                
Click here to view Table of Fees and Charges and Sample Finance Charge Computation.
Know more about the ShopMore Mastercard Peso Rewards Program with these FAQs.

Low Monthly Membership Fee
Low monthly Membership Fee of P125/month.  FREE Membership Fee for the 1st Year!
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 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

      Note: Cash Advance, any transaction associated with Gambling, any Money Transfer or similar cash transaction, and any other BDO installment transactions like 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 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.

Basic Application Requirements

  • 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 of the Philippines for the last two (2) years;
  • Minimum Gross Fixed Annual Income of P260,000;
  • Must be regular employee or if self-employed with business operating for at least two (2) years
  • Must have at least one (1) landline phone;
  • Residence or Office Address must be within any area where a BDO branch is located

For Applicants with Existing Credit Card/s

  1. Latest credit card charge slip (not more than 30 days from transaction date) or latest credit card statement of account.
  2. Photocopy of the front portion of other credit card.
  3. Photocopy of at least one (1) valid photo-bearing identification document front and back 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, Senior Citizen Card, Overseas Workers Welfare Administration (OWWA) ID, Seaman's Book, Alien Certification of Registration/Immigrant Certificate of Registration, Government Office (e.g. Armed Forces of the Philippines (AFP), Home Development Mutual Fund (HDMF)) IDs, Certification from the National Council for the Welfare of Disabled Persons (NCWDP), Department of Social Welfare and Development (DSWD) Certification, Integrated Bar of the Philippines ID, Company IDs issued by the private entities or institution registered or supervised or regulated either by the BSP, SEC or IC and other valid IDs issued by the Government and its instrumentalities.
  4. Photocopy of 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).

For Applicants without An Existing Credit Card

1. Proof of Income

a. For EMPLOYED (Required):

  • Photocopy of latest BIR Form 2316; signed by employer's authorized representative; AND
    • Original Copy of Employment and Income (COEI) indicating status, length of service and compensation breakdown
    • Photocopy of latest full month payslip


  • Photocopy of Registration of Business Name (Required):
    • For Single Proprietorship issued by DTI (Department of Trade and Industry)
    • For Partnership/Corporation issued by SEC (Securities and Exchange Commission)
  • Photocopy of ITR for the last two (2) years and W4 and BIR/Bank Stamp (Required)
    • Audited Financial Statements for the last two (2) years (Required)
    • Bank Statements for the last three (3) months (Optional)

2. Proof of Identification

(Please refer to list of government issued IDs in item no. 3, "For Applicants with Existing Credit Card/s")

For Foreigners


  1. Copy of Employment Contract or Certificate of Employment
  2. Letter from the Embassy (if Embassy Official)
  3. Submit photocopy of ANY ONE (1) of the following:
  • Valid Passport with resident VISA; OR
  • Work permit and valid visa; OR
  • Special investor's resident visa and visas issued by the Philippine Economic Zone Authority or visa with E0226; OR
  • ACR or ICR or ICR-I


  • Complete the application form (placing N/A if Not Applicable)
  • Applications without required documents or with incomplete information will not be processed
  • Submitted documents will not be returned to the applicant
BDO Shop More MasterCard Principal PhP 125 Per Month
Supplementary PhP 62.50 Per Month
Monthly Effective Interest Rate 2%
Minimum Payment Option 3% of the Outstanding Balance or PhP 200 whichever is higher
Late Payment Charge 5% of the Overdue Amount or PhP 300 whichever is higher
Cash Advance Fee 5% of amount withdrawn or PhP 300 whichever is higher
Lost Card Replacement PhpP400

All fees and charges are subject to change upon notice. BDO reserves the right to re-impose waived fees/charges. For updated information please call BDO Customer Contact Center at 8631-8000 (within Metro Manila) or at 1-800-10-631-8000 (PLDT Domestic Toll-Free) or 1-800-3-6318000 (Digitel Domestic Toll-Free).

  • Principal Membership Fee First Year FREE
  • Supplementary Membership Fee First Year FREE
  • Monthly Effective Interest Rate