BDO Gold UnionPay

Your best travel companion in Asia.
  • Credit Card Peso Rewards Program 
    Earn two (2) Peso Points* 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!
*Special offer valid until December 31, 2022.
  Click here for more details. 
  • Free Travel Accident & Inconvenience Insurance Coverage of up to P5 Million
    Your card comes with a comprehensive Travel Insurance Coverage. Just charge your travel expenses (airline tickets and other means of public transport) to your BDO Gold UnionPay Credit Card every time you travel and get insurance coverage of up to P5 Million.

    • Travel Accident and Disablement Insurance of up to P5 Million

    • Medical Treatment Reimbursement coverage (including Covid-19) of up to P20,000

    • Flight Reroute (over 12 hours delay or cancellation) coverage of up to P50,000

    • Travel Reroute via Land and Sea (at 12 hour delay or cancellation) coverage of up to P10,000

    • Loss/Damage to Baggage of up to P30,000 (up to P5,000 per item)

    • Loss of Credit Card/Personal Money up to P20,000

    • Flight Delay/Baggage Delay coverage of up to P1,500 per 6 hours, maximum of 8 payments

Click here for the Travel Insurance Coverage and Provisions.
  • 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 and Online 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.

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
  • Buy Now, Pay Later
    Major spending on gadgets, appliances, furniture, watches, jewelry or apparel is now made worry-free with Buy Now, Pay Later! Purchase items or pay for services on installment from over 19,000 in-store and online partner stores nationwide. You may also opt to pay medical bills and school tuition on installment. Choose from 3, 6, 9, 12, 18, 24 and 36 months term for a minimum single-receipt purchase of P3,000*.

    Buy Now, Pay Later Program is available on: 

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

Plus, take advantage of Buy Now, Pay Later with Payment Holiday promotional offer and pay your first monthly amortization up to 4 months later and other exclusive offers. Visit BDO website and search for “Buy Now, Pay Later” for details.

* Minimum purchase amount may vary per partner merchant
** Merchants have the sole discretion on the item(s)/term(s) applicable for the 0% interest offering

  • Balance Transfer
    Transfer your other card balances to your BDO Credit Card and pay it on installment with low monthly add-on rate.  Apply online via
  • Cash-It-Easy
    Convert your credit limit into cash and pay in easy installments up to 36 months.  To avail, call (02) 8667-1680, 8:30am-4:30pm on banking days or visit a BDO branch near you.
  • Purchase Convert
    You can convert recent single-receipt purchases of at least P5,000 or USD200 to installment using your BDO Credit Card.  Easily apply online via or call (02) 8631-8000.
BDO Deals
Get discounts and freebies, perks and privileges, just by using your BDO Credit Card at our in-store and online partners. Whether you’re shopping, dining, traveling or simply relaxing, use your BDO Credit Card and you’ll surely be delighted!
Spend Anywhere ONLINE or IN-STORE with your BDO Credit Card and get treats on top of the Peso Points you earn.
Bills Payment
  • Charge on Demand
    Don’t worry about your bills when going out of town or vacation. Just pay your bills online and charge to your BDO Credit Card. Log on to or call 8631-8000, or go directly to the biller’s website or mobile app.
  • Auto Charge
    Too many bills to pay? 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 for automatic bills payment so you only have one due date to remember. To learn more, 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 Online Banking* – 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


  • 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