BDO Visa Classic

"Go color your world with Rewards and Privileges custom fit to your lifestyle."

  • Credit Card Points Redemption Program
    Every P50 you charge on your card earns you 1 Credit Card Point. Accumulate these Points and use them to redeem from an exciting selection of items and amazing finds featured in the Points Redemption Catalogue. You may also use your Points to waive your Monthly or Annual Membership Fees! What's more, your Credit Card Points earned do not expire as long as your BDO credit card remains active. More chances to accumulate and redeem the best Rewards!
  • Free Membership Fee for the First Year
    Principal and supplementary cardholders enjoy waived card fees on the first year.
  • Easy PAY Installment Programs
    We offer you various ways to manage your finances with ease and lots of savings. Enjoy Absolutely Zero Percent Interest on Installment purchase in over 3,000 partner stores nationwide. Want to consolidate your other credit card balances and save on interest charges? EasyPay Transfer is for you. Need CASH to pay for tuition-related expenses? EasyPAY Cash it while-you-wait. 

    Please check Terms and Conditions for details.

Installment Programs

  • Easy Pay Installment
    You can now spend for all the appliance, furniture, gadgets, jewelry or clothes you want without worry.  The Easy Pay Installment program allows you to purchase items on installment from over 10,000 partner stores nationwide.  Choose from 3, 6, 9, 12, 18, 24 and 36 monthly installment* for a minimum single or accumulated purchase amount of P 3,000**. 

    Avail Easy Pay Installment through any of the following:

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

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

      * Merchants have sole discretion on the terms / items applicable for the Absolutely 0%   
      ** Minimum installment purchase amount may vary per partner merchants

  • Other Easy Pay Installment Options
    • Easy Transfer / Balance Transfer  
      One of the lowest interest rates! Nowhere else can you get more savings when you transfer your other credit card balances
    • Easy Pay Cash / Tuition Assist  
      Pay for school expenses or reimburse your cash purchases worth at least P 5,000 at affordable installment plans
    • Easy Pay Convert
      No installment scheme offered at your favorite store?  Good news!  You can convert absolutely anything into installment using your BDO Credit Card!  Simply call 631-8000 and convert any of your regular purchases* worth at least P 3,000.00.

      *Purchases / transactions from Grocery Shops, Supermarket, Gasoline Service Station and Drugstores/Pharmacy are not qualified for Easy Pay Convert.

BDO Credit Cards, ready to shop online

BDO Credit Cards make online shopping secure, lighter and more enjoyable

  • Secure via Virtual Card
    Get a free Virtual Card - the Virtual Card is a credit card designed exclusively for use in the Internet; it has a different card number from your regular BDO Visa Credit Card to protect your regular card number and credit line. 
  • Lighter via Online Installment
    Easy Convert any online transaction into monthly installment by calling the BDO Customer Contact Center; further, enjoy scheduled Absolutely 0% and Buy Now, Pay Later installment schemes at selected websites within the year.
  • More enjoyable via Exclusive Online Deals and Online Treats
    Enjoy discounts, exclusive deals and freebies when you use your BDO Visa Credit Card at partner websites.


Get perks and privileges, freebies and discounts just by using your BDO Visa Credit Card at our partner stores. Whether you’re shopping, dining, traveling or simply relaxing, use your BDO Visa Credit Card and you’ll surely be DELIGHTED!


Spend ANYWHERE with your BDO Visa 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 out of town or 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 631-8000.
  • 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 631-8000 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 631-8000.
  • BDO Call Center* - debit your BDO account and pay for your Card through the assistance of our Customer Service Officers. Just call 631-8000.
  • 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 P180,000;
  • 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 631-8000 (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
  • Supplementary Membership Fee First Year Free
  • Finance Charge