BDO World Elite Mastercard

Credit Card Peso Rewards

Earn three (3) Peso Points* for every USD20 overseas spend and two (2) Peso Points* for every P1,000 local purchase on your BDO World Elite™ 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, 2022.

E-Commerce Purchase Protection Insurance
Experience worry-free online shopping with your World Elite Mastercard! Your online purchases are secured against select non-delivered and/or incompletely delivered items. Please click here for the complete E-Commerce Purchase Protection Insurance Terms & Conditions.

World Elite Mastercard Lifestyle Assistance
Enjoy exclusive offers to the world's finest hotels, resorts, clubs, and spas while making your journey secure with its extensive insurance coverage. A dedicated Concierge is available to provide assistance anytime of the day and anywhere in the world, simply call (632) 8840-7777.

Comprehensive Travel Insurance Coverage
Be secured with comprehensive Travel and Medical Insurance up to USD2M including Medical In-Patient Pandemic Coverage. Please click here for the Travel Insurance Coverage & Provisions.
Mastercard Airport Experiences provided by LoungeKey
Reinvent your airport experience, get access to airport lounges with your complimentary LoungeKey membership that comes with 10 free lounge visits per year for you and your guest/s. Enjoy membership to over 1,000 lounges worldwide, plus curated airport dining, spa and retail offers.
Click here for complete Terms & Conditions.
Mastercard Airport Limo provided by DragonPass
Enjoy one (1) complimentary Airport Limo service and preferential rates on first-class ground transportation from participating airports in Asia Pacific, Europe and the United States to city center locations, or from city center locations to participating airports.
Click here for complete Terms & Conditions.
Click here for complete Terms and Conditions.
Click here to view Table of Fees and Charges and Sample Finance Charge Computation.

World Elite™ Service

Access I Own


World EliteMastercard® Concierge

To enjoy exclusive World Elite™ privileges, reservations must be made by placing one call anytime of the day at (632) 8840-7777 and anywhere in the world at (Universal Toll Free Number*) (IAC) + 800-8-8407777.

Additionally, here is a list of International Toll Free Numbers* at select countries:

  • China                                 10800-631-00230 (NETCOM)
                                                10800-163-4473 (TELECOM)

  • Greece                               00800-6312-0023

  • Guam                                 1-855-671-0081

  • Macau                                0800-003

  • United Arab Emirates     800-0630-0033

The World EliteMastercard® Concierge is available 24/7/365 to provide quick, personal, and seamless support whether you are making a dinner reservation at the world's best restaurants, reserving a seat at the greatest opera houses, or looking for the most luxurious spas and retreats in the world, and more.

Visit for more details.

*Call must be made from a landline phone otherwise, corresponding charges will be incurred. 


World Elite™ Travel
Time I Own


World Elite™ Travel Service
World Elite™ Travel Service lets you discover a suite of services, savings, and benefits that make planning simple and traveling memorable. Through our partnerships with many of the world's elite and exciting travel providers, we offer you unique opportunities and discounts at premier destinations around the globe – options that most travelers cannot access.

As a BDO World EliteMastercard® Cardholder, your benefits include:

  • 24/7/365 Personal Travel Advisor

    • Assists you with your travel--from reserving a room at an exclusive villa to arranging airport services.

  • Exclusive Travel Promotions

  • Privileged Travel Benefits & Amenities

    • Airline Program
      Enjoy exclusive rates with select airlines worldwide.

    • Private Jet Program
      Get customized service on private flights at an exclusive rate.

    • Cruise Program
      Treat yourself to shipboard credits of up to USD500 per cabin on select sailings aboard the world's finest ships.

    • Luxury Hotels and Resorts
      Select the perfect accommodation from a unique collection of exceptional hotels and resorts and expect VIP from a unique collection of exceptional hotels and resorts.

    • Tours and Vacations Program
      Choose from an extensive selection of escorted tours and vacation packages and save up to USD500 on a variety of vacation styles, destinations, and experience.

    • Car Rental Program
      Drive away with your choice of car and receive up to 25% savings from National, Avis, and Sixt.

    • Chauffeured Car Service
      Arrive on time in style with Sixt, International Limousine, Avis and Vietesse and save up to 15% from these car services.

Visit for more details.

Relais & Chateaux
Relais & Chateaux is an exclusive collection of more than 500 of the finest hotels and gourmet restaurants in 60 countries. Relais and Chateaux is also a family of hoteliers and Grands Chefs from all over the world who share a passion for and a personal commitment to ensuring their guests are privy to moments of exceptional harmony.

Standard packages include:

  • Spa & Relaxation Package for two

  • Golf & Gastronomy Package for two

  • Stay 4 Pay 3 or Champagne Package

Important Note: Additional terms, exclusions, and conditions apply.
                             Visit for more details.


Mastercard Airport Concierge
Mastercard Airport Concierge lets you receive a personal, dedicated Meet & Greet agent to escort you through the airport experience-- from curbside to aircraft gate. And with a special rate or exclusive rate on Meet & Greet services for BDO World Elite™ Mastercard® Cardholders, our airport concierge saves you valuable time and energy.


Cardholders can be:

  • Met curb-side by Meet & Greet agent (for departing passengers, the airport agent will call the Cardholder or the Cardholder's driver in order to arrange a designated meeting point outside the terminal)

  • Escorted to airline desk for check-in

  • Expedited through security process (only available at certain airports)

  • Escorted to the aircraft gate

Cardholders can be:

  • Met by Meet & Greet agent as they exit the jet bridge

  • Assisted with any visas or other documentation

  • Expedited through the immigration process (only available at certain airports)

  • Assisted to the baggage claim

  • Escorted to the car which will be waiting outside the terminal

Cardholders can be:

  • Met by Meet & Greet agent as they exit the jet bridge

  • Assisted with any inter-terminal airside transfers/needs

  • Escorted to the aircraft gate

Arrange your airport concierge by calling the number at the back of your card.

Additional services are also available and can always be reserved if needed:

  • Luggage assistance / Baggage Porters

  • Lounge Bookings

  • Executive Car Transfers / Limousine

  • Personal Shopper

  • Gift Services on Arrival

  • Meeting and Conference Room Bookings

  • Tarmac Transfers

  • Electric Buggy

  • Premium Baggage Collection / Delivery (wherever available and applicable)

  • Unaccompanied Minors

  • Train Bookings (major U.K. rail stations including Eurostar in St. Pancras and Gare Du Nord only)

  • VIP Wheelchairs / PRM Service

  • Airport Courier

  • Security Assistance

  • Valet Car Parking Service

  • Car Park Jockey

  • Cloak Room Service

Important Note: Additional terms, exclusions, and conditions apply.
                             Visit for more details.


Airport by Invitation
Airport by Invitation lets you bypass check-in lines and busy passenger terminals. Now, a trip to the airport includes private security checks, personal chauffeur, service straight to the aircraft door, and luggage delivered directly to you while you wait in a VIP lounge.

For departures, you can enjoy:

  • Private departure lounge with refreshments and wait staff; a personal shopper can be arranged

  • Airline check-in and all security procedures carried out in the privacy of your own lounge

  • Luggage checked-in and taken from the lounge

  • Private, chauffeured car to take you from the VIP suite to the aircraft

  • Option to board the flight last or first

On arrival, you can enjoy:

  • Private chauffeured car waiting on the tarmac to take you from the aircraft to the VIP suite

  • Private arrival lounge with refreshments

  • Customs and immigration clearance carried out in the privacy of your own lounge

  • Luggage delivered directly to you in your private lounge

Important Note: Airport By Invitation benefits are available at a discounted rate.
                             Benefits available at select airports only.                        


Airport Lounge Access
Airport Lounge Access makes traveling feel like a privilege. And with the LoungeKey, it does. As a BDO World Elite™ Mastercard® Cardholder, you enjoy access to VIP lounges, regardless of ticket class or airline. Your complimentary LoungeKey Membership through BDO World Elite™ Mastercard® makes a stop at the airport easy again.

As a BDO World EliteTM Mastercard (R) Cardholder, you will receive ten (10) free louge visits for 12 months:


Usage fee for your succeeding lounge visits shall be charged to your World Elite™ Mastercard® Credit Card. Click here for complete Terms & Conditions.


World Elite™ Lifestyle
Privilege I Own


World EliteMastercard® Concierge
Lifestyle Concierge is your passport to global, 24/7 assistance as you plan your life and refine your style. Our exceptional concierge professionals are prepared to help you create an extraordinary experience for you and your loved ones—from reserving the chef's table for a special anniversary to lining up a celebrity guest for your child's birthday celebration. They can even assist you with tasks like purchasing event tickets, making reservations to restaurants, members-only clubs, and more or even help you with your passport, visa, foreign exchange rates and weather forecasts and ensure that you are connected to the resources and services that you rely on everyday.

Let us help you discover the best that life has to offer.

To contact your concierge, simply call the number at the back of your card.


World Elite™ Privileges
Your World EliteMastercard® is an invitation to indulge. With privileged access to leading restaurants, luxury products, cultural events, and entertainment opportunities, World Elite™ Privileges serves up exclusive experiences that match your lifestyle.

These privileges are updated on a bi-monthly basis to provide more than 200 offers a year, including:

  • Luxury retail shopping advantages

  • Epicurean delights and special dining experiences

  • Exclusive offers to entertainment events

  • VIP access to members-only clubs and unique cultural experiences

  • Access to privileges both domestically and globally

When you are ready to place a reservation, call us using the number at the back of your card. All bookings and reservations must be paid with your BDO World Elite™ Mastercard® Credit Card.


World Elite™ Nightlife
World Elite™ Nightlife gives you VIP access to more than 30 of the top night clubs on earth, moving you to the front of the line for quick, complimentary access to the action inside

Year-round benefits vary by club and may include:

  • Access to members-only clubs

  • Complimentary entrance and drinks

  • Membership at preferential prices

  • Priority access for table reservations

  • Guest list access

  • Discounts off total bill

For reservations, simply call the number at the back of your card.


World Elite™ Exclusives
World Elite™ Exclusives are designed especially for people who seek out one-of-a-kind experiences. Our selection of exclusive experiences will surprise, delight, and excite.

The World Elite™ Exclusives for 2014 are:

  • Allan McNish Track Day

  • Culinary and Gastronomy Master Class with Conrad Tokyo

  • Jeweluxe Insider Master Class

  • Ultimate Golf Master Class with Hank Haney

Terms, exclusions, and conditions apply. For additional details, visit


World Elite™ Spa Collection
World Elite™ Spa Collection makes relaxation simple. As a BDO World Elite™ Mastercard® Cardholder, we help you ease into an experience specifically crafted to soothe your body and mind. Our World Elite™ Spa Collection exposes you to the top 100 spas in the planet, along with the expert recommendations, insider tips, and a world of opportunities to indulge and unwind.

For a complete list of spas, visit


World Elite™ Golf
World Elite™ Mastercard® Golf lets you play at world-famous courses where the PGA TOUR® pros play. Be treated like a VIP with onsite golf perks and tee time. As a member of a very exclusive club, you can extend this membership further to some of the most celebrated, reported, and legendary golf properties in the world.

World Elite™ Golf Privileges with the PGA TOUR's TPC® Network include:

  • Private Club Access

  • "Course to Yourself" Program

  • Resort VIP Access

  • PGA TOUR® Player Experience

Terms and conditions apply. For additional details, visit


World Elite™ Peace of Mind
Peace I Own


Travel and Medical Insurance Benefits
BDO World Elite™ Mastercard® provides you with comprehensive travel insurance benefits which include the following:

  • Extensive Travel Accident Coverage up to USD800,000 for both domestic and international trips

  • Medical Expense Coverage up to USD2,000,000

  • Trip Cancellation and Curtailment Coverage up to USD10,000

  • Travel Delay Coverage of USD200 for every four (4) hour delay, maximum of USD800

  • Missed Connecting Flight Coverage up to USD650

  • Loss or Damage of Baggage and Personal Effects up to a maximum of USD2,500

  • Loss of Personal Money up to USD800

  • Loss of Travel Documents up to USD600

  • Baggage Delay up to USD400 after 24 hours

  • Personal Liability Insurance up to USD 1,500,000

  • Automatic Extension of one (1) day

  • Unlimited Emergency Medical Evacuation or Return of Mortal Remains

  • Legal Services Coverage up to USD20,000

  • Rental Vehicle Coverage up to USD1,000

Important Note: Travel tickets must be purchased with the World Elite™ Mastercard® Credit Card to avail of the coverage. Documents shall be required to process claim requests.


Click here to download Travel and Medical Insurance Claims Form.

Extended Warranty
When the manufacturer's warranty expires on purchases made with your BDO World Elite™ Mastercard® Credit Card in the Philippines, you can count on extended warranty benefit which duplicates the terms of the original manufacturer's warranty for one year. This includes purchases made as gifts and internet purchases. Coverage includes up to USD 500 per claim and a maximum of USD 2,000 over a 12-month period of insurance.


Purchase Protection
As a BDO World Elite™ Mastercard® Cardholder, you can shop with confidence, knowing that most purchases you make with your card may be protected in case of theft or accidental damage. Coverage includes:

  • Up to USD 3,000 per claim and maximum of USD 20,000 over a 12-month period

  • Purchases given as gifts are covered

  • Internet purchases

  • Purchases do not have to be registered

  • Purchases from overseas

Card Fraud Protection
Coverage includes up to USD 2,000 per claim and maximum of USD 4,000 over a 12-month period of insurance for unauthorized charges on your lost or stolen BDO World Elite™ Mastercard® Credit Card for which the Cardholder is responsible up to 24 hours prior to the event first being reported to the payment Card Issuer. In case the credit card is in the possession of the Cardholder and unauthorized charges were incurred whether instore, via phone or ATM and/or online purchases, unauthorized charges will be reimbursed up to two (2) months prior Cardholder's report to the bank.

Important Note: Insurance and Protection apply only to purchases using your World Elite™ Mastercard® Credit Card. All the above insurances are subject to Terms & Conditions and can be altered without notice by Mastercard. Only applicable for certain markets in Asia Pacific, Middle East, and Africa. For detailed information on coverage, exclusion and other Terms & Conditions, visit

Click here for Terms & Conditions.


Other Exclusive Benefits


Superior Rewards Program
For every P40 (USD1 = P40), Cardholder earns 1 credit card point for local purchases and 1.5x credit card points for overseas spend. Your points can be converted to miles at a conversion of 2:1. You also have the option to redeem from a wide selection of rewards such as travel, entertainment, dining and getaway packages.


Exclusive Local Offers
Enjoy exclusive year-round offers and privileges from participating partners:

  • Best Available Rate

  • VIP Status

  • Complimentary Room Upgrade*

  • Complimentary Breakfast for Two

  • Complimentary Internet Access

  • Early Check-In subject to Availability

  • Guaranteed Late Check-Out

* Offers vary and may be available in select Hotel Partners only.


Standard Features

  • Worldwide Acceptance with the Mastercard brand

  • Convenient Contactless Payment

  • Payment Acceptance in all SM Bills Payment centers, BDO branches, ATM and e-Banking

  • Exclusive Discounts and Inclusions in all BDO Programs

  • Installment Options

  • Cash Advance Facility

  • Dedicated World Elite™ Mastercard® Concierge




A By-Invitation only credit card.


  • Monthly Effective Interest Rate