How the Program Works

Banking has never been this rewarding. Through BDO Rewards, you automatically get rewarded with free SM shopping points for qualified bank transactions.

The BDO Rewards Card also works like an SM Advantage Card wherein you can earn more points when you use your Card for purchases at SM.

The more points earned, the higher the membership level reached, and the more perks and privileges to enjoy!.

BDO Rewards offers 3 membership levels. Each level having more perks and privileges to unlock and enjoy.

 

Level

Initial Membership Requirement*
(New Members)

Renewal/Tier

Upgrade Requirements

BDO Emerald Reward Card
Emerald
  • At least Php100,000**
    Personal Peso / Dollar Savings or Personal Checking Account OR
  • Classic or Gold BDO Credit Card ***
Earn from 1 to 2,499 points within the Card's 2 Year Tier Evaluation period****
BDO Sapphire Reward Card
Sapphire
  • At least Php250,000 Personal Peso  / Dollar Savings or Personal Checking Account OR
  • At least P100,000 Personal Peso / Dollar Savings or Personal Checking Account and Gold BDO Credit Card*** OR
  • Platinum or Titanium BDO Credit Card***
Earn from 2,500 to 9,999 points within the Card's 2 Year Tier Evaluation period****
BDO Diamond Reward Card
Diamond
  • At least Php5 Million Personal Peso / Dollar Savings or Personal Checking Account OR
  • At least P500,000 Personal Peso / Dollar Savings or Personal Checking Account and Platinum or Titanium BDO Credit Card***
Earn 10,000 points or more within the Card's 2 Year Tier Evaluation period****
 

*Month-to-date average daily balance (MTD ADB) per account. Accounts are not aggregated to meet the minimum requirement.

Auto Loan, Home Loan and Trust clients are required to meet the minimum P100,000** Month-to-date average daily balance (MTD ADB) in their Personal Peso/Dollar Savings/Checking Account to qualify.

**Effective August 1, 2018

***Enrollment to BDO Rewards is by request.  BDO Credit Card does not include American Express and co-branded cards such as Bench Mastercard and Forever 21 Mastercard.

****Or the Card's validity period - The 24 month period wherein the points credited to the card are monitored as the basis for level retention, upgrade or downgrade. Although, at anytime during the 24-month period, a member may be upgraded automatically to a higher membership tier as soon as he reaches the points requirement for that tier. A new card shall be issued with the same card number.

Earn Points

  • Get Rewards Points for qualified bank transactions at BDO.
  • Get more Points when purchasing from SM and other Rewards Partners.
  • One Point equals P1.00.

Use Points

  • You can use your Points to pay for purchases at any branch of The SM Store, SM Supermarket, SM Hypermarket, and SM retail establishments such as Watsons, Toy Kingdom, Ace Hardware, Forever 21, Uniqlo, SM Appliance Center, and more.

 

 

 

 

 

Member: PDIC, Maximum Deposit Insurance for Each Depositor P500,000