BDO Visa Classic

The Card that provides you more value for your everyday spend.

  • 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. 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, 2021
      Click here for more details.

  • Free Membership Fee for the First Year
    Principal and supplementary cardholders enjoy waived card fees on the first year.

  • Visa Exclusives
    Enjoy year round perks and discounts for your in-store, online and dining spends.  Terms and Conditions apply. Click here for ongoing promotions.
  • Secure, lighter, and more enjoyable shopping ONLINE:

    Secure via Virtual Card
    Get a FREE Virtual Card - the Virtual Card is a credit card designed exclusively for online use. It has a different card number from your regular BDO credit card to protect your regular card number and credit line. Simply call (02) 8631-8000 to request for one.

    Lighter via Online Installment
    EasyPay Convert any online transaction into monthly installment by calling the BDO Customer Contact Center or applying online via; further, enjoy scheduled 0% Interest and Buy Now, Pay Later installment schemes at selected websites.

    More enjoyable via Exclusive Online Deals
    Enjoy discounts, exclusive deals and freebies when you use your BDO Credit Card at partner websites.

Please check Terms and Conditions for details.

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


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 17,000 online and in-store partner stores nationwide. Choose from 3, 6, 9, 12, 18, 24 and 36 monthly installment for a minimum single purchase of P3,000*.

    Avail EasyPay Installment through any of the following:

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

      Plus, take advantage of special extended installment terms when you Buy Now Pay Later and catch exclusive discounts and latest offers during special promo dates.

      *Minimum installment purchase amount may vary per partner merchant.
      **Merchants have sole discretion on the terms/items applicable for 0% Interest on Installment.

  • 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.
  • EasyPay Convert
    You can convert recent single-receipt purchases of at least Php3,000 or USD200 to installment using your BDO Credit Card. Easily apply online via or call (02) 8631-8000.

    Note: Cash Advance, any transaction associated with Gambling, any Money Transfer or similar cash transaction, and any other BDO installment transactions like 0% Interest, EasyPay Regular Installment, etc. are not qualified for EasyPay Convert.

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! 

Download the BDO Deals App from the App Store or Google Play!
Spend Anywhere ONLINE or IN-STORE with your BDO Visa Classic Credit Card and get instant 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 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 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 Visa Credit Cards are accepted worldwide wherever Visa cards are recognized.
  • 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 has been a permanent resident of the Philippines for the last two (2) years;
  • Minimum Gross Fixed Annual Income of P260,000;
  • Must be regular employee or if self-employed with business operating for at least two (2) years
  • Must have at least one (1) landline phone;
  • Residence or Office Address must be within any area where a BDO branch is located
A. For Applicants with Existing Credit Card/s:
  1. Latest credit card charge slip (not more than 30 days from transaction date) or latest credit card statement of account.
  2. Photocopy of the front portion of other credit card.
  3. Photocopy of at least one (1) valid photo-bearing identification document front and back 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, Senior Citizen Card, Overseas Workers Welfare Administration (OWWA) ID, Seaman's Book, Alien Certification of Registration/Immigrant Certificate of Registration, Government Office (e.g. Armed Forces of the Philippines (AFP), Home Development Mutual Fund (HDMF)) IDs, Certification from the National Council for the Welfare of Disabled Persons (NCWDP), Department of Social Welfare and Development (DSWD) Certification, Integrated Bar of the Philippines ID, Company IDs issued by the private entities or institution registered or supervised or regulated either by the BSP, SEC or IC and other valid IDs issued by the Government and its instrumentalities.
  4. Photocopy of 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. For Applicants without existing Credit Card:
(Please refer to list of government issued IDs in item no. 3, under A. For Applicants with Existing Credit Card/s)
  1. Proof of Income
    a. For EMPLOYED (Required):
  • Photocopy of latest BIR Form 2316; signed by employer's authorized representative; AND
  • Submit ANY ONE (1) of the following (Optional):
    • Original Copy of Employment and Income (COEI) indicating status, length of service and compensation breakdown
    • Photocopy of latest full month payslip
  • Photocopy of Registration of Business Name (Required):
  • Photocopy of ITR for the last two (2) years and W4 and BIR/Bank Stamp (Required)
  • Audited Financial Statements for the last two (2) years (Required)
  • Bank Statements for the last three (3) months (Optional)
  1. Proof of Identification
  1. Copy of Employment Contract or Certificate of Employment
  2. Letter from the Embassy (if Embassy Official)
  3. Submit photocopy of ANY ONE (1) of the following:
  • Valid Passport with resident VISA; OR
  • Work permit and valid visa; OR
  • Special investor's resident visa and visas issued by the Philippine Economic Zone Authority or visa with E0226; OR
  • ACR or ICR or ICR-I
  • Complete the application form (placing N/A if Not Applicable)
  • Applications without required documents or with incomplete information will not be processed
  • Submitted documents will not be returned to the applicant
All fees and charges are subject to change upon notice. BDO reserves the right to re-impose waived fees/charges. For updated information please call BDO Customer Contact Center at 8631-8000 (within Metro Manila) or at 1-800-10-631-8000 (PLDT Domestic Toll-Free) or 1-800-3-6318000 (Digitel Domestic Toll-Free).
  • Principal Membership Fee First Year Free
    P150 / Month
  • Supplementary Membership Fee First Year Free
    P75 / Month
  • Finance Charge