What is BDO Virtual Card?

The BDO Virtual Card is a credit card account for use in virtual environments like the Internet. It has a credit line that’s part of your BDO credit card limit. You’re also assigned a different card number to protect your regular card number and credit line.

What is my BDO Virtual Card limit and how does it work?

Your BDO Virtual Card limit is only a sub-limit of your BDO credit card account. Think of it as an extension card but solely for Internet use. This virtual credit line is the maximum amount that you can use for Internet transactions. Each time you use your virtual credit line, you also reduce your BDO credit card’s available regular credit limit. Being only a sub-limit of your regular credit limit, your line availability for Internet use depends on your available regular credit limit. If your regular credit limit has been maxed out, you can no longer use your virtual credit line until your available regular credit limit frees up. 

Your virtual credit line is the same every month even if the Internet transactions in the previous months are not paid in full. As long as you have available credit limit under your regular credit card and you have not used up your virtual credit line for the month, you may still use your BDO Virtual Card. 

Your BDO Virtual Card limit is initially pre-assigned but you have the option to have it reduced or increased according to your online purchasing needs. Simply call the BDO Customer Contact Center at 631-8000 to request for an adjustment in your virtual credit line. 

How does the use of BDO Virtual Card protect me?

Your BDO Virtual Card has a different card number from your regular credit card so you don’t use your existing credit card data in the Internet preventing data interception or misuse. You also have a smaller credit line. This limits your risk as your full regular credit line will not be compromised.

Will I be given a card for my account?

You will be given a reference card. This will help you remember your virtual card account number as you transact online. This reference device may NOT be used to make purchases in regular stores where a credit card plastic is required to be swiped for payment.

Will I earn loyalty points for my transactions with my BDO Virtual Card?

Yes, you will continue to earn loyalty points in the same spend-to-point value as your regular BDO credit card.

How will I be billed for my BDO Virtual Card transactions?

Your BDO Virtual Card transactions will be reflected in your regular monthly statement of account. All your transactions will be billed in Philippine Pesos. However, if your regular BDO credit card is a Dual Currency card, you will receive separate billing statements for your local and international transactions. All your transactions in currencies other than Philippine Peso will be billed in US Dollars and will be reflected in your Dollar Statement of Account. This is separate from your transactions in the local currency billed in Philippine Peso and reflected in your Peso Statement of Account.

What will I do if my BDO Virtual Card reference card gets lost or stolen?

Simply call the BDO Customer Contact Center at 631-8000 so your virtual card account may be blocked immediately. You will be given a new virtual card account number and reference card.

BDO VIRTUAL CARD - Online Application

You have to have an active, principal BDO MasterCard and/or Visa Credit Card.

Here are 2 ways to get a BDO Virtual Card:

1. By Phone:

   Call the BDO Customer Contact Center at 631-8000 for Metro Manila or 1-800-10-631-8000 (PLDT) or 1-800-3-631-8000 (Digitel) for domestic toll-free.

2. Online:

• Log on to your BDO Credit Card account. (You have to be enrolled to the BDO Credit Card Online Facility to do this. If not yet enrolled, click here.)
• Upon logging on to your page, click on ‘Customer Service’.
• On the Customer Service page, select the card you want to apply for a BDO Virtual Card then click the ‘Select a request’ drop-down button.
• From the drop-down requests list, click on ‘Apply for a BDO Virtual Card.’