Secured Credit Card

Guaranteed approval! Apply for a Secured Credit Card now at any BDO branch near you.


What is a Secured Credit Card?

A Secured Credit Card is a BDO Credit Card that is guaranteed by a BDO deposit account. To apply, simply visit a BDO branch and open a BDO Savings or Time Deposit Account with at least P10,000 initial deposit. This amount will be held by the bank to secure your credit card. The holdout shall remain enforced while your BDO Credit Card is active or open.


How much credit limit will I get?

The credit limit will be 90% of your Peso deposit, or 80% of your Dollar deposit.


Can I get the holdout deposit back?

The holdout on the deposit will be released 60 days after the cancellation of the Secured Credit Card, and upon settlement of any outstanding balance on the account. For cardholders with past due accounts, the unsettled balance will be deducted automatically from the holdout deposit.


Eligibility Criteria

  1. Principal Cardholder: 21 to 70 years old
    Supplementary Cardholder: 13 years old and above

  2. Must have a landline and/or a mobile phone number

Documentary Requirements

  1. Accomplished Credit Card Application Form (available at any BDO branch or here)

  2. Accomplished Deed of Assignment (available at any BDO branch)

  3. Valid ID with signature and photo

  4. For foreigners – Alien Certificate of Registration (ACR) or Immigrant Certificate of Registration (ICR), Copy of Employment Contract, and Letter from Embassy


Note: The Terms and Conditions Governing the Issuance and Use of BDO Credit Cards shall apply to all credit cards issued under the BDO Secured Credit Card Program.