Terms & Conditions


Learn more about the BDO Rewards Program here.




1. Any person/individual that is currently an existing BDO Unibank (“BDO”/”bank”) client who is at least 12 years old, may qualify as a member and be issued a BDO Rewards card upon reaching the minimum requirement as stated in the table below. For avoidance of doubt, sole proprietorship, partnership and/or corporate clients shall not be eligible to participate in the BDO Rewards program. BDO Rewards will assign a level to each member at the start of their membership in the program. The assigned level is based on member’s existing relationship with the bank.


Card Minimum Requirement for Membership Qualification
At least Php 100,000* / USD 2,000* Personal Peso/Dollar Savings or Personal Checking Account
Sapphire At least Php 250,000*/ USD 5,000* Personal Peso/Dollar Savings or Personal Checking Account
Diamond At least Php 5 Million*/ USD 100,000* Personal Peso/Dollar Savings or Personal Checking Account


*Month-to-Date Average Daily Balance (MTD ADB), per account. Accounts are not aggregated to meet the minimum requirement.


2. For Joint Accounts, only the Primary Account holder appearing in BDO’s database will be enrolled in the BDO Rewards Program and shall be the BDO Rewards cardholder earning the points from this qualified joint account.


3. A qualified member’s BDO Rewards Card and Welcome Kit will be sent via courier, within six (6) to eight (8) weeks from month-end of qualifying.


4. All qualified members shall keep their information file up-to-date by reporting any change in name, address, civil status and other data via member’s BDO branch of account. Verbal notification is not valid and BDO reserves the right to suspend card issuance if any of the said customer data is not updated.


5. BDO has the sole discretion to issue the BDO Rewards Card, which shall remain its property.


6. The BDO Rewards Card is for the exclusive use of the member in whose name it was issued and is not transferable.


7. By qualifying for BDO Rewards membership, member accepts and is deemed to have accepted all the Terms & Conditions set forth herein, including present and future amendments, notwithstanding any contrary provision in any related document or instrument.


8. All membership eligibility and enrollment processes shall be subject to criteria prescribed by BDO. All questions or disputes regarding eligibility for membership in the BDO Rewards Program will be resolved by BDO at its sole discretion.


9. BDO reserves the right, at its sole discretion and without need of consent or prior notice, to cancel or suspend BDO Rewards membership and the BDO Rewards Card of a member; terminate any investigation commenced in relation to any dispute per Section on Points Redemption item no. 7; and/or to amend the Terms and Conditions or any part thereof at any time.


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Levels and Renewal

1. The program’s membership level system is BDO’s way of rewarding and recognizing its client’s level of business with BDO. Each membership level comes with a different set of perks and privileges. Thus, the higher the membership level, the more benefits are given to a member.


2. BDO Rewards will assign a level to each member at the start of their membership in the program. The assigned level is based on the member’s existing relationship with the bank as stated in Section I. Membership, item no. 1.


3. The membership level assignment is assessed and if qualified, renewed every two years. Assignment of membership tier depends on the total points earned within the 2-year evaluation period*. Thus, each member has 2 years to earn the required number of points to maintain his current membership level or move up to a higher level. Otherwise, if required number of points is not met, member is subject to downgrade. A new card will be issued with the same card number and a new expiry year. The tiers and their required points within the 2-year period are as follows:


Tier Points Requirement for Membership Renewal
Emerald 100 to 2,499 points
Sapphire 2,500 to 9,999 points
Diamond 10,000 points and above


*The 2-year evaluation period starts on the month of member’s qualification to program up to its 24th month.


4. At any time during the 24-month period, a member may be upgraded to a higher membership tier as soon as he reaches the points requirement for that tier. In this case, a new card shall be issued.


5. For membership to be renewed, one must earn at least 100 points from bank transactions and card must be activated* within member’s Rewards card validity. Otherwise, it will result to automatic non-renewal of the BDO Rewards Card.


* Activation is a system-triggered, and member initiated activation, which can be done via SMS, online, and BDO Call Center. Refer to Activation Portion, for different ways to activate.


6. Non-earning of BDO points for the duration of member’s Rewards card validity will result to non-renewal of card & forfeiture of all earned & available points from bank & retail transactions.


7. Points earned from qualified personal Savings or Current accounts, and  other transactions that from time to time may be included to earn points, are considered for determining the membership level of the BDO Rewards Card.

              Points from the following are NOT included and are used for redemption
              purposes only:

a. BDO Rewards points transferred from a 3rd party’s BDO Rewards card

b. BDO Credit Card points transferred from a 3rd party’s BDO Credit Card

c. Transferred points from an SM Advantage Card (SMAC)

d. Points reinstatement


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BDO Rewards Card


1. Card activation is required to enable loading of bank points earned to the Rewards card, membership renewal and points redemption.


2. First-time members have twelve (12) months to activate their BDO Rewards cards from issuance date.


a. If a first-time member fails to activate within the above specified period, ALL points shall be forfeited in favor of the bank and may result to non-renewal, card cancellation and discontinuance of points crediting, at bank’s discretion.


b. If a first-time member activates beyond 12 months but still within card validity, points loading may resume upon activation. Only points earned after activation will be loaded.



3. Ways to activate card:

a. Activate via SMS.

    Text BDOR<space>AC<space>Last 8 digits of the BDO Rewards card number<space>4-digit PIN and send to 2256. (Ex. BDOR AC 01234567 0876)


b. Activate online.

                  Visit www.bdo.com.ph/bdo-rewards/activate


c. Activate via phone.

Call BDO Call Center at (02) 8631-8000 or Domestic Toll Free 1-800-10-631-8000, International Toll Free: (Int’l. Access Code) +800-8-631-8000.


             To activate your card, use the default PIN which is your birth month and the
             last 2 digits of your birth year indicated in our records. For example: “0170”
             for January 1970. If you receive an error message, call the BDO Call Center.


4. Member can still use the old card until it expires. When a new card is issued, member must activate the new card and discontinue use of old card; old card should be disposed/perforated even if it is still valid, to avoid unauthorized usage.  


5. All valid points accumulated in the old BDO Rewards Card and/or expired card will be automatically transferred to the new card.


6. Member waives any and all claims, rights and remedies that the member may now have or in the future claim to have against BDO in connection herewith. 


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Card Expiry

1. Cards expire in 2 years or upon the lapse of such other periods as may be reflected on the ‘valid thru’ section of the card.


2. There are no card renewal fees unless otherwise determined by BDO.


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1. Lost or stolen cards must be reported immediately as indicated in item #4 below to enable BDO Rewards to block the card from further use. Blocked cards will not earn points from retail partners and redemption will not be allowed. Member shall have the sole responsibility of safekeeping his card against loss, theft, or misuse, and against unauthorized or fraudulent points use or redemption. BDO shall have no liability whatsoever for any and all such loss, theft, misuse, or unauthorized or fraudulent use or redemption of points earned on the lost or stolen card.


2. Damaged/defective cards must be reported immediately as indicated in item #4 to facilitate replacement of card.


3. Lost, stolen or damaged card due to member’s negligence, misuse, or abuse may be replaced for a fee. BDO will only replace the damaged card for free if it is reported within three months from issuance date. 


4. To report a lost, stolen or damaged card, member may call BDO Call Center at (02) 631-8000 or Domestic Toll Free at 1-800-10-631-8000 or International Toll Free: (Int’l. Access Code) +800-8-631-8000. 


5. A third party representative may call on behalf of the member to report a lost, stolen or damaged card. However, the member is the only one authorized to request for card replacement.


6. Card replacement fee is waived for Sapphire and Diamond Rewards members. For Emerald members, they have the option of paying the fee in cash through their BDO branch of account or deduct from their available points balance.


7. Card replacement fee is P150.00 or 150 points.


8. To pay the replacement fee using points, the member may call the BDO Call Center or visit his BDO branch of account.


9. The replacement card will be delivered via courier to the member’s mailing address indicated in BDO’s records. For Diamond members, card is delivered through his BDO branch of account. Delivery is within 3 to 4 weeks or other periods as may be determined by BDO, from receipt of request and payment of card replacement fee.


10. All points balance accumulated and unredeemed/unused in the damaged, stolen or lost BDO Rewards Card shall be automatically transferred to the replacement card.


11. BDO shall not be held liable for a member’s lost or redeemed points from card until the card has been reported as lost and has been blocked by BDO.


12. Issuance of any replacement card shall be at BDO’s sole discretion, and may be subject to submission by member of certain documentary requirements.


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Points, Perks, and Privileges

Points Earnings & Expiry

1. BDO Rewards Points are earned from maintaining balances in your Savings/Current account (visit www.bdo.com.ph/Rewards for complete details).


2. Points are earned per qualified personal Savings and Current accounts on a per account basis i.e. each Savings/Current account should have a P100,000 month to date average daily balance to qualify and earn  points. Values of Savings/Current accounts are not aggregated when determining points to be earned.


3. Retail, Hotel and Entertainment points earned by BDO Rewards members shall be credited/loaded to their SMAC or SMAC Prestige cards. BDO Rewards cards will no longer accept retail points earned from SM retail stores, SM Skating, SM Bowling, SM Cinema and SM Storyland.
BDO Rewards members without SMAC or SMAC Prestige Card may head over to any cashier counter of The SM Store and Customer Service Counters at select SM Supermarket and SM Hypermarket branches or may call #143SM (#14376) and pay the membership application fee via the available payment methods. The SMAC kit will be delivered to the provided address.

4. Points are posted on the member's account as follows:


Transaction Posting Period

Savings/Current Account balances

Within the following month from previous month’s month to date average daily balance


* Posting or loading of points is enabled when Rewards card is activated as stated in Activation portion, item no. 1. 


5. Should a member have multiple accounts in BDO that resulted to multiple BDO Rewards Cards, BDO has the right to cancel the other card/s in excess of one (1) and retain only one (1) surviving card. All valid points from the other card/s will be transferred to the surviving card & only the surviving card will continue to earn points from valid transactions. 


6. Dormant current/savings accounts are not entitled to earn points.


7. All earned, unredeemed or unused points shall expire after five (5) years unless otherwise determined by BDO.


8. Members with an SM Advantage Card may elect to transfer their points to their BDO Rewards Card by calling BDO Call Center at (02) 8631-8000, Domestic Toll Free at 1-800-10-631-8000 or International Toll Free: (Int'l. Access Code) +800-8-631-8000.


9. Points cannot be earned from tax and other government charges payment transactions.


10. Points earned by the member do not constitute property of the member.


11. BDO reserves the right without need of notice to or consent from member, to make adjustments on earned or accrued points as it sees fit, including, but not limited to, deduction of points arising from BDO’s resolution of disputes and/or from over–crediting/mis-crediting of points (“erroneous credit/s”). In which case,


a. BDO shall make the necessary reversal of points that were erroneously credited but not yet spent/used by a member by deducting said points from member’s points balance.


b. In the event that the erroneously credited points were already spent/used by the member with or without knowledge or notice of such erroneous credit, or in the event the BDO Rewards Card of member does not have sufficient balance to fully settle the erroneous credits, member agrees and undertakes to immediately return to BDO the Philippine peso equivalent of the erroneous credits due upon demand.


12. Without prejudice to other grounds for membership cancellation and forfeiture of points set forth elsewhere in these Terms and Conditions, BDO reserves the right to forfeit any and all points earned from any and all types of transactions, and/or cancel the membership, at BDO’s sole discretion, in any or all of the following instances:

a. Death or legal incapacity of member;

b. Violation of BDO Rewards Terms and Conditions;

c. BDO Rewards Program abuse or mis-use, fraudulent, unauthorized or unlawful transactions on the BDO Rewards Card (e.g. fraudulent, unauthorized or unlawful points redemption);

d. Member’s account/s is/are subject to garnishment, execution and/or freeze order; or

e. Other reasonable ground/s as may be determined by BDO.


Further, in case of member-initiated cancellation of his/her BDO Rewards card/membership, BDO reserves the right to automatically forfeit all earned points. 


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Points Redemption
  1. BDO Rewards Card must be activated to enable points redemption (refer to Card Activation portion for ways to activate).
  1. To redeem points, the member whose name appears on the card simply has to present his valid and activated card at The SM Store, SM Supermarket, SM Hypermarket, and other SM retail establishment or retail partners and use the points in his card to pay for his purchases, as per the following guidelines: 

a. The member must have a minimum of 20 points balance equivalent to P20.00 to be able to start redeeming. There is no minimum points requirement to redeem. One point is equivalent to P 1.00.

b. Points posted are points available for redemption.

  1. BDO Rewards cards will continue to be accepted and honored for the following transactions:

a. Points redemption to pay for SM Retail , SM Skating, SM Bowling, SM Cinema and SM Storyland purchases.

b. Availment of showcard privileges (i.e. Prestige Lounge) and other exclusive Members Only Promos (i.e. 3 Day Sale and other sale events, discount offers, premium items, etc)

  1. Members whose branch of account as identified in BDO Rewards records, is located in an area with no SM Malls or SM retail affiliates (non-SM area) are allowed to redeem their points in their branch of account via credit to account. Members who maintain accounts with multiple branches (whether in an SM or non-SM area) may be accommodated for credit-to-account redemption as long as the branch facilitating his redemption request is categorized as a non-SM branch.

  2. No redemption fees will be charged.

  1. Points reflected in BDO Rewards shall be deemed correct and BDO has the exclusive right to determine the available points to be redeemed by the member.

  1. Under no circumstances may the redeemed points be interchangeable for other rewards or privileges, nor can it be refunded, transferred or sold.

  1. Any disputes regarding awarded points and/or invalid points redemptions must be reported no later than six (6) months from the transaction date. Resolution will be subject to standard investigation procedures of BDO. Further, in cases of unauthorized redemption of Rewards points due to a lost card, it shall be required for a member to report such loss within twenty-four (24) hours from the knowledge thereof in compliance with Card Replacement provision, under item no. 2 before any investigation can be conducted therein.

  1. By redeeming points, the member releases BDO from any and all claims, causes of action, suit, and liabilities of whatever nature arising from or in connection with the use and redemption of the points.

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Points Transfer
  1. A member can request to transfer his points to another member through the following:

  1. Min. 100 to 10,000 points: Call BDO Call Center at (02) 8631-8000 or Domestic Toll-free at 1-800-10-631-8000 or International Toll-free (Int’l Access Code) +800-8-631-8000

  2. 10,001 points and above: request must be done through the member’s branch of account

  1. The BDO Rewards Card of both sender and recipient must be activated. Otherwise, BDO Rewards can facilitate activation of card/s in order to process the points transfer request, as long as there is a supported documented request from member/s.

  1. Member can have three (3) transfer requests within a calendar month and each request should be at least 100 points. Only the sender is authorized to request for the transfer.

  1. Points transferred are not included in the recipient’s membership level evaluation.

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Availment of Privileges
  1. To redeem BDO Rewards’ bank perks and privileges, member whose name appears on the card must simply follow the instructions indicated on each bank voucher and certificate. Lost voucher or certificate will not be replaced and value of perk or privilege thereof shall be forfeited. Availment of all member perks and privileges (including but not limited to voucherless perks and other promotional offers) shall be in accordance to guidelines set by BDO and or its partners.
  1. BDO Diamond Rewards members are also entitled to the perks and privileges of SM Prestige under the SM Advantage Program and must adhere to the guidelines set by SM Prestige when accessing or availing themselves of any SM Prestige privileges.

  1. All questions or disputes regarding availment of perks and privileges will be resolved by BDO at its sole discretion.

  2. BDO is not liable for any perks and privileges not being available or being withdrawn for any reason whatsoever by BDO and its Rewards Partners.

  3. In the event that (a) a BDO Rewards Card is not accepted, honored or processed by any BDO Rewards Partners for any reason whatsoever; or (b) any benefit to which a BDO Rewards Cardholder is entitled to is not extended or granted for any reason whatsoever, the member shall direct any complaint regarding either of the foregoing to the relevant BDO Rewards Partner for action. Any complaint that BDO may receive on such matters shall be immediately referred to the relevant BDO Rewards Partner without BDO incurring any liability arising from the complaint.

  4. All costs, charges, claims or liabilities including duties, taxes and fees in availing of any perks and privileges shall be charged to the account of the member.

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General Terms and Conditions
  1. BDO Rewards Program is a privilege granted by BDO to its clients for their continued loyalty. The Terms and Conditions herein cannot be superseded nor changed except by BDO. Failure of BDO to enforce a particular term, condition or guideline does not constitute a waiver thereof or of any other term, condition or guideline.
  2. BDO reserves the right to appoint agent(s) and/or contractor(s) to perform the functions in relation to the BDO Rewards Program, including but not limited to disclosing member information.  Accordingly, reference to BDO under these terms and conditions shall automatically include such agent(s) or contractor(s).
  3. BDO reserves the right at all times to withdraw, cancel, withhold, substitute, deny access to or use of, or in any way change any of the program mechanics including perks and privileges previously advertised or offered to any member at any time, without prior notice, and BDO will not be liable for any loss or damage suffered by the member resulting from such withdrawal, cancellation, variation or change.
  4. BDO shall use all reasonable endeavors to provide members with accurate and timely information regarding BDO Rewards including any changes thereof. However, BDO shall not be liable in any way for failure to do so.
  5. Member irrevocably authorizes BDO, its subsidiaries and affiliates (related companies), and their respective officers and employees, to do any one or all of the following:
    1. Release, disclose, submit, share, or exchange any member and/or card information and reports as they may deem fit or necessary and for lawful purposes, including but not limited to consumer reporting or reference agencies, government regulatory agencies, and to other banks, creditors, financial institutions, loyalty program partners, merchant partners, service providers, or third party; 
    2. Use or share with third parties the information member has provided and/or information derived from external sources for conducting internal marketing studies, surveys, marketing activities or promotional offers of BDO, its Related Companies, merchant partners, and/or to develop and make offers which member may receive through email or through other means of communication

      For the above purposes, Cardholder hereby waives his confidentiality rights under the relevant laws, government rules and regulations, and hereby agrees to indemnify and keep BDO and Related Entities, including their respective directors, officers and employees, free and harmless from and against any and all claims, suits, actions or proceedings which may arise as a result of or in connection with the release and disclosure of the member and/or card information as set out above.
  6. In addition to other non-liability/indemnification provisions in favor of BDO, member hereby agrees to indemnify and render BDO, its directors, officers, employees and agents and assigns, free and harmless from and against any claim, cause of action, suit, liability, loss or damage of whatever nature which may arise as a result of or in connection with the use of the card and the transactions made with the use of the card, in the following instances:
    1. Disruption, failure or delay relating to or in connection with the use of the card which is due to circumstances beyond the control of BDO, fortuitous events such as but not limited to prolonged power outages, breakdown in computers and communication facilities, computer-related errors, typhoons, floods, public disturbances and calamities and other similar or related cases; 
    2. Fraudulent or unauthorized utilization of the card due to theft, unauthorized disclosure or breach of security or confidentiality of card information with or without member’s participation; 
    3. Inaccurate, incomplete or delayed information received by BDO due to disruption or failure of any communication facilities or electronic device used for the card;
    4. Mechanical defect in or malfunction of the electronic device on which the card is used (i.e. POS, etc.), the card not being honored or being declined; any delay in the crediting of points due to or by reason of failure and/or malfunction of any mechanical, electronic or other part, component, system or network upon which the card is critically dependent on normal and efficient operations; and/or 
    5. Improper, unauthorized use of the card’s facilities and electronic devices (i.e. POS, etc.); or recklessness or accident in connection with the use thereof.

      The above provisions shall survive the termination or suspension of the right to use the card.
  7. BDO’s entire liability for loss or damage (if any) in connection with card use shall be limited to the amount of P10,000 or the actual damage or loss incurred, whichever is lesser. BDO shall not be liable for any special, consequential or indirect damage suffered by the cardholder from the use of the card even if BDO has been advised of the possibility thereof. This provision shall survive the termination or suspension of the right to use the card.
  8. By becoming a member under the BDO Rewards program and/or using the BDO Rewards Card, the Member agrees to be bound by these terms and conditions as may be amended, supplemented or updated by BDO from time to time.  Complete and updated information about the BDO Rewards program including, but not limited to the Terms and Conditions, program mechanics, promotional offers, member perks and privileges are reflected in the BDO Rewards portion of the BDO website: www.bdo.com.ph/rewards (collectively "BDO website contents"). In case of conflict between any information, terms and conditions related to the program, contained in print or non-print/digital form outside of the BDO website, and the BDO website contents, the latter shall prevail.
  9. For concerns/inquiries/requests you may proceed to your branch of account, or call our Customer Contact Center at (02) 8631-8000, or send an email to callcenter@bdo.com.ph. For more details, please visit: www.bdo.com.ph/consumer-assistance

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Credit card qualifiers

Onboarding and Tier assignment of Credit cardholders without a BDO Rewards card as of April 1, 2021

1. Minimum of 100 Peso Push Points to qualify to the BDO Rewards program. 

2. Membership level will be based on cardholder’s credit card segment.


Card Type / Segment
Rewards Tier Membership
MasterCard Standard Emerald
JCB Lucky Cat
Union Pay Gold
MasterCard Titanium Sapphire
Visa Platinum
JCB Platinum
Union Pay Diamond
MastedCard World Elite Diamond


Excluded cards:

Installment cards
American Express and Diners Club
Corporate guaranteed cards and Commercial cards


3. For cardholders with multiple BDO Credit Cards, BDO Rewards membership tier will be determined based on his / her highest active Principal BDO Credit Card.

4. The higher type will apply even if initial redemption will come from lower card type.

5. Above qualifications only apply to BDO Credit Cardholders without a BDO Rewards card.

6. Supplementary Credit Cardholders are excluded from this program.

Renewal, Card Expiry & Membership Validity

1. BDO Rewards card will have an expiry of 5 years. 


2. Cardholder must convert at least 100 Peso Points to BDO Rewards Points within the 5- year period to be renewed as a BDO Rewards Member.


3. Cardholder can initiate a tier upgrade if he/she qualifies based on the requirements of the bank (CASA*) or their BDO Credit Card gets upgraded, whichever is higher.


4.If the BDO Rewards cardholder gets upgraded using bank qualifications (CASA*), renewal of his/her card will be subject to CASA* terms and conditions.


*CASA – Personal Peso / Dollar Savings or Personal Checking Account