BDO Gold UnionPay

Your best travel companion in Asia.
  • Credit Card Peso Rewards Program
    Earn one (1) Peso Point 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!
  • Free Travel Accident & Inconvenience Insurance Coverage of up to Php5 Million
    Your card comes with a comprehensive Travel Insurance Coverage that lets you explore the world without any worries. Just charge your travel expenses (airline tickets and other means of public transport) to your BDO Gold UnionPay Credit Card everytime you travel and get Insurance Coverage of up to Php5 Million.
    • Travel Accident and Dismemberment Insurance of up to Php5 Million
    • Flight Reroute (over 12 hours delay or cancellation) coverage of up to Php50,000
    • Loss/Damage to Baggage of up to Php30,000
    • Medical Expense Reimbursement coverage of up to Php5,000
    • Flight Delay/Baggage Delay coverage of up to Php1,250 per 6 hours, maximum of 8 payments
  • Free Membership Fee
    First supplementary card is free for life.
    Principal cardholder and the succeeding four (4) supplementary cardholders enjoy free membership for the first three (3) years.

  • Enjoy instant discounts with u•plan
    u•plan offers discounts of up to 30% from various participating stores through the use of electronic coupons, enhancing your shopping experience overseas!

    Simply download the latest BDO Deals app, generate a u•plan e-coupon and present it at the participating store upon check out. Visit for details.

  • UnionPay Exclusive Promotions

    Chinese New Year Rebate Promo
    Earn rebates when you use your BDO UnionPay Card during the Chinese New Year week.

    Crossborder Promotions
    Get rewarded when you use your BDO UnionPay Card for your online and overseas purchases.

    Exclusive offers in 100+ airports worldwide

    Exclusive discounts on partner hotels and restaurants worldwide

    Click here to view all the offers.

  • Dual Currency Billing Option*
    Have the convenience of both Philippine Peso and US Dollar accounts in one card, where your local transactions will be billed in Philippine Peso and international transactions in currencies other than the Philippine Peso. Thus, you have the option to pay the exact amount in US$ or inquire for the prevailing exchange rate when you opt to pay in Philippine Peso.
*Enrollment is required to avail of this feature.
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
Refer to the Terms and Conditions Governing the Issuance and Use of BDO Credit Cards for details.

Click here to view Table of Fees and Charges and Sample Finance Charge Computation.

Widest Acceptance in China
The most preferred and widely accepted credit card in China and in key cities in Asia.
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 13,000 partner stores nationwide. Choose from 3, 6, 9, 12, 18, 24 and 36 monthly installment* for a minimum single purchase amount of Php3,000**.

    Avail EasyPay Installment through any of the following:

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

      Plus, take advantage of special extended installment terms when you Buy Now Pay Later and enjoy 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 Php5,000 at affordable installment plans.
    • EasyPay Convert
      You can convert single-receipt purchases of at least Php3,000 or USD200 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.

Get perks and privileges, freebies and discounts just by using your BDO UnionPay Credit Card at our partner stores. Whether you’re shopping, dining, traveling or simply relaxing, use your BDO UnionPay Credit Card and you’ll surely be DELIGHTED!
Spend ANYWHERE with your BDO UnionPay 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 on 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
  • BDO Phone Banking* - access your BDO account to pay for your card using any touch-tone phone. Just call 8631-8000.
  • 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
BDO UnionPay Credit Cards are accepted worldwide wherever UnionPay cards are recognized.


Application Requirements
Eligibility Criteria
  • 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 is a permanent resident in the Philippines for the last 2 years
  • Income Requirement: Php420,000 Gross Annual Income.
  • Must be a regular employee or if self-employed, with business operating for at least 2 years.
  • Must have at least one landline phone or postpaid mobile phone.
  • Residence or Office Address must be within any area where a BDO branch is located.
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
    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. 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
To apply for a BDO Gold UnionPay 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)
Click here to view the BDO Gold UnionPay Application Form
Apply Online Download PDF
  • Principal Membership Fee (FREE on the 1st Three Years)
  • Supplementary Membership Fee (First Supplementary Card is FREE For Life. Succeeding four (4) supplementary cards are free for the first three (3) years)
  • Finance Charge
  • *Terms and Conditions apply