How to Earn and Redeem Points

How the Program Works Promos and Discounts Perks and Privileges How to Earn and Redeem Points

How to Earn and Redeem Points

There are easy ways to earn points with BDO Rewards. You earn points from deposits,

BDO Online Banking, using your BDO ATM Debit Card and from partner retail shops.

These points will be loaded to your BDO Rewards card upon activation.

Activate your card to start redeeming. 1 Point = 1 Peso.

BDO

With BDO Rewards, you automatically get points from the following BDO products and services. More bank transactions, more points!

Product	Monthly BDO Rewards Points
Personal Peso Current or Savings Account Minimum P50,000 MTD ADB (month to date average daily balance)	10 Points for 1st P50,000 5 Points for every P25,000 in excess of P50,000 up to P5M 10 Points for every P100,000 in excess of P5M up to P10M 10 Points for every P200,000 in excess of P10M
Personal US Dollar Savings Account Minimum $1,000 MTD ADB (month to date average daily balance)	10 Points for 1st $1,000 5 Points for every $500 in excess of $1,000 up to $100,000 10 Points for every $2,000 in excess of $100,000 up to $200,000 10 Points for every $4,000 in excess of $200,000
Auto Loan* Minimum P500,000 availed loan amount	10 Points for every P100,000 Based on availed loan amount One-time awarding of points
Home Loan* Minimum P1.5M availed loan amount	10 Points for every P100,000 Based on availed loan amount One-time awarding of points
Peso Trust Accounts Minimum P500,000 placement (UITFs, IMA03, TA03 and Wealth Planner)	10 Points for 1st P500,000 (Average Daily Balance) 5 Points for every P250,000 in excess of P500,000
US Dollar Trust Accounts Minimum $10,000 placement (UITFs and TA06)	10 Points for 1st $10,000 (Average Daily Balance) 5 Points for every $5,000 in excess of $10,000
Yen Trust Accounts Minimum JPY1,000,000 placement (UITFs)	10 Points for 1st JPY1,000,000 (Average Daily Balance) 5 Points for every JPY500,000 in excess of JPY1,000,000
Electronic Bills Payment Minimum P1,000 or US$25 bills payment via ATM, Phone Banking, Internet	5 Points - from enrolled merchants only Maximum of 5 points per month regardless of number of transactions* *Splitting of transactions is disallowed and will not earn a member more points. Some billers may impose additional charges.
Points are rewarded per qualified BDO account, i.e. savings/current account, loan promisory note, and trust product placement; (not aggregated).
*Effective January 1, 2018: All remaining points to be earned from the old points scheme will no longer be credited upon effectivity date.

Product / Services	BDO Rewards Points per Transaction
BDO Debit Card (as payment for purchases) Minimum P1,000 or US$25 Click here for BDO Debit card promos	1 Point For every P1,000 or US$25 *Maximum of 5 points per transaction for purchases made in selected wholesalers/distributorships
Credit to Account Remittances (to Personal Current or Savings Account sent through a BDO Remit office or accredited remittance partner abroad)	1 Point For every P5,000 or US$100
BDO Credit Card 3,350 Elite Credit Card Points* 4,775 Regular Credit Card Points** Value of accounts are not aggregated when determining points to be awarded Valid for the following BDO Credit Cards only: Elite Credit Points applicable only to MasterCard Platinum/Titanium, Visa Platinum and UnionPay Diamond **Regular Credit Card Points applicable only to Standard and Gold MasterCard, Classic and Gold Visa, JCB Lucky Cat or Premiere and UnionPay Gold Not available for The American Express® Platinum Card, The American Express® International Dollar Cards, Blue from American Express® and The Cathay Pacific American Express® Credit Cards. Points transferred to a third party will not be considered for card upgrade	500 Points* Call the BDO Rewards Hotline* to have your BDO Credit Card points converted to BDO Rewards points.

Product / Services

BDO Rewards Points per Transaction

BDO Debit Card

(as payment for purchases)
Minimum P1,000 or US$25

Click here for BDO Debit card promos

1 Point
For every P1,000 or US$25

*Maximum of 5 points per transaction for purchases made in selected wholesalers/distributorships

Credit to Account Remittances

(to Personal Current or Savings Account sent through a BDO Remit office or accredited remittance partner abroad)

1 Point
For every P5,000 or US$100

BDO Credit Card

3,350 Elite Credit Card Points***

4,775 Regular Credit Card Points****

*Value of accounts are not aggregated when determining points to be awarded

Valid for the following BDO Credit Cards only:

***Elite Credit Points applicable only to MasterCard Platinum/Titanium, Visa Platinum and UnionPay Diamond

****Regular Credit Card Points applicable only to Standard and Gold MasterCard, Classic and Gold Visa, JCB Lucky Cat or Premiere and UnionPay Gold

Not available for The American Express® Platinum Card, The American Express® International Dollar Cards, Blue from American Express® and The Cathay Pacific American Express® Credit Cards.

Points transferred to a third party will not be considered for card upgrade

500 Points*

*Call the BDO Rewards Hotline to have your BDO Credit Card points converted to BDO Rewards points.

SM & RETAIL PARTNERS

Earn points from SM and its Retail Partners. Shop and be rewarded with the corresponding points!

SM and Retail Partners	For every Minimum purcharse	Points Earned
Alfamart, Baby Company, Crate & Barrel, Kultura Filipino, Levi's*, Mindpro, Mini So, Our Home, Savemore, SM Appliance Center, SM Hypermarket, SM Supermarket, Surplus, Walter Mart Supermarket, Watsons	P400	1 Point
Ace Hardware, Adidas, Bata Shoes, Crocs, Exploreum, Forever 21, Joseph, Imax Theater, New Balance, Nike, Pet Expess, Sfera, Simply Shoes, SM Bowling, SM Cinema, SM Skating, SM Storyland*, Sports Central, Suite Blanco, The Body Shop, The SM Store, Toy Kingdom, Uniqlo, Uno de 50	P200	1 Point

*Inside SM Supermalls
** Points earning only

OTHER REWARDS PARTNERS

Establishment	For every Minimum purchase	Points Earned	Condition
Shell* *Participating outlets only	P 250 spend on fuels, lubricants, services and items at shell Select	1 Point	Points will only be awarded for all transactions up to a total of P10,000.00, single or accumulated receipt per member, per day.
PLDT Telerewards*	P 250 cash, credit card or cheque payment	1 Point	Every P250 payment made
Taal Vista Hotel	P 200 spend on room charges, accommodations and F&B outlets	1 Point	Points are not valid for group and banquet bookings.
Radisson Blu Hotel Cebu , Park Inn by Radisson Clark and Davao, and Iloilo	P 200 spend on room, food & Beverage outlets, Rain Spa, sports & recreation, and membership fees	1 Point	Points are not valid for group and banquet bookings.
Pico De Loro beach & Country Club/Pico Sans Hotel	P 200 spend on room, food & Beverage outlets, Rain Spa, sports & recreation, and membership fees	1 Point	Points are not valid for group and banquet bookings.
Asia Pacific College	Every P 200 spend on Tuition fees	1point
Agoda.com*	Earn up to 10,000 Rewards points		www.agoda.com/smadvantage
Grab Rewards*	1,700 Grab Rewards Points equivalent to 100 BDO Rewards Points.		Go to Grab mobile app to convert points.