BDO Titanium Mastercard™

"Worldwide indulgence at your fingertips"
  • Credit Card Peso Rewards Program
    Earn two (2) Peso Points* for every P1,000 or USD20 qualified spend on your BDO Titanium Mastercard, 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! Click here for more details.

    *Special offer valid until December 31, 2021.
  • E-Commerce Purchase Protection Insurance
    Experience worry-free online shopping with your BDO Titanium Mastercard! Your online purchases are secured against select non-delivered and/or incompletely delivered items only with your BDO Titanium Mastercard Credit Card. Please click here for the complete E-Commerce Purchase Protection Insurance Terms & Conditions.
  • Exclusive Cash Rebate Programs
    Get the most  from your spend with exclusive* rebates in essential, shopping, dining purchases and more.
    * Terms and Conditions apply. Click here for ongoing rebate programs.
  • Premier Dining Programs
    Satisfy your cravings and enjoy great savings! Feast on a wide variety of cuisines at select premiere dining establishments at our partner restaurants and hotels.
  • Dual Currency Billing Option*
    Have the flexibility to pay in Philippine Peso or US Dollar in one card. Local transactions will be billed in Philippine Peso while International transactions will be billed in US Dollar.
    *Enrollment is required to avail of this feature.
  • FREE Travel Accident & Inconvenience Insurance Coverage
    Enjoy the highest coverage of up to Php20 million in Travel Accident with inconvenience benefits when you charge your travel expenses to your BDO Elite Card every time you travel abroad or locally.  Please click here for the Travel Insurance Coverage and Provisions.

  • Mastercard Priceless Specials
    Making every day moments special in this curated selection of deals. Mastercard Priceless Specials are carefully sourced from all over the world. Spanning culinary, shopping, and more. These collections have been created for you to enjoy, no matter where you are.

    To see the complete list of offers, click here.

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.

Flexible/High Credit Limit
Have the confidence of a high credit limit that you can spend on your own terms and access anywhere in the world. Your credit limit is available in both Philippine Peso and US Dollar, where your Peso Credit Limit is the same as your Dollar Credit Limit.

Cash Advance Up to 30% of your assigned Credit Limit
For emergencies, cash advance may be availed of up to 30% of your assigned Credit Limit over-the-counter at selected BDO Branches or at any ATM bearing the Mastercard logo. Your system-generated Cash Advance Personal Identification Number (PIN) will be sent to you separately.

Free Annual Membership Fee for Life
  • Automatic annual membership fee waiver for the principal cardholder for a spend of at least P600,000/year.
  • Lifetime Annual Fee Waiver for 6 supplementary accounts.
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 any of your PHP purchases of at leasr Php3,000 into installment using your BDO Credit Card. Simply call (02) 8631-8000 or apply online via
    • 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 Absolutely 0% Interest, EasyPay Regular Installment, etc. are not qualified for EasyPay Convert.

Shop Online. Skip the hassle and be rewarded.
  • 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; 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 Titanium Credit Card and get cash back or instant treats.
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
You only need to call (02) 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 Titanium Mastercard Credit Card is your ideal travel companion. It is accepted worldwide in over 20 million locations and in over 275 countries and territories.
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
  • 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. Applicants Without Existing Credit Card
  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. 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
  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
  • Principal Membership Fee. FREE for First Year
  • Supplementary Membership Fee. FREE FOR LIFE*
  • Monthly Effective Interest Rate
  • *Terms and Conditions apply