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Illustration, not the bank's artwork.

BDO · Mastercard · Classic

Bench MC

Why pick it: 20% off Bench on Mondays, 4x points there

Bench co-brand: 4 Peso Points per ₱1,000 at Bench/partner brands, 2 elsewhere, paid out as Bench cash coupons; 20% off Mondays.

Score
25 /100
Rank
#74 of 123
Annual fee
₱2,400
Solid CThin data

Thin data: some figures on this card are less certain than usual. Check with the bank before you apply.

SKIP ITHonest take

Cash Coupon ang reward, hindi nako-convert sa cash.

Bottom line: Regular ka bang namimili sa Bench at gagamit ng coupons? Baka may sense ito. Kung hindi, skip.

Read the full take: the math, what's good, what hurts

~₱1,000 ang makukuha ng typical household (~₱825k a year) kung magagamit mo ang Bench coupons. Nasa puwesto #74 sa 123, at 25 ang score.

The numbers in this take are our estimates for a typical household, not bank policy. Check fees and waivers with the bank.

What's good

  • 4 Peso Points per ₱1,000 sa Bench at partner global brands, 2 sa iba.
  • 20% off sa Bench every Monday.
  • Free ang first year, at free for life ang first supplementary card.
  • Mababa ang income requirement: ₱15,000 a month.

What's bad

  • Valid ang coupons for 6 months mula statement date, at kailangan ng 100 points bago mag-generate ng isa.
  • 2.50% ang singil sa foreign spend (galing sa data).
  • Per the Bench T&C, walang points ang Auto Charge bills.

The catch: Wala sa page ang annual fee, at hindi rin nakasaad ang value ng bawat point. Kaunti ang source namin dito, kaya kumpirmahin mo sa bank ang point value bago mag-apply.

Rechecked on the bank page on 2026-10-24. Not on the page: annual fee; foreign fee; value per point. Our opinion, based on published terms. Not financial advice. The bank decides approval.

The take above is written for a typical household spending about ₱825,500 a year. Get your own score in 60 seconds.

Yearly value for a typical household:
about −₱500 in rewards (₱1,000) and travel value (−₱1,500), before the ₱2,400 annual fee (on request; the bank decides)
To qualify:
₱180,000 a year income
Bank service:
Worse than typical.

First year

Welcome offer:
₱5,000 welcome cashback on a new card approved Sep 1, 2026 to Jan 31, 2027: activate and spend ₱50,000 within the spend period (offer sent by SMS/email) (ends Jan 31, 2027)
Annual fee:
First year free; the monthly fee starts from the 13th month.

Bank details as of Oct 23, 2026. Offers change; confirm on the bank's page before you apply. None of this changes the card's score.

Score breakdown, fees, rewards and perks

Score breakdown

#74 of 123 cards open to new applicants, and #105 of all 170 scored cards once invite-only, closed and limited-eligibility cards are counted too.

  • Yearly value4 / 63

    These bars compare each part with other cards on its own, so they don't add up to Yearly value. How it is scored

    • Rewards on the default spend3 / 37

      About ₱1,000 a year in rewards on the typical household's spend, after caps and the foreign fee on foreign online spend. How the bars work

    • Annual fee after waivers16 / 16

      A ₱2,400 fee that the bank may waive on request. How the bars work

    • Travel and perks on the default spend1 / 10

      About −₱1,500 of travel value on one trip abroad a year, after the 2.50% foreign fee. How the bars work

  • Promos and 0% installments14 / 15

    0% installment network: strong. Promos: strong, judged by what a typical household would likely save from the promos this card gets, past and current, with 29 live promos tracked. How it is scored

  • Points flexibility1 / 10

    Rewards are store credit that works at one merchant. It counts for less here because the card earns little back on this spend. How it is scored

  • Credit limit and upgrade path2 / 5

    Classic card level, plus how BDO handles credit limit increases and card upgrades. How it is scored

  • App and service3 / 5

    Banking app: strong. Service: worse than typical. How it is scored

  • Late fee1 / 2

    A late fee of ₱850 for one missed payment. How it is scored

On the default spend: about ₱1,000 a year in rewards and −₱1,500 in travel value.

Score over time

Total score and tier on each data date, on the default spend.

methodmethodmethodmethod39 DOct 2439 DOct 2624 COct 2725 CNov 224 CNov 424 CNov 924 CNov 1025 CNov 11
  • Between Oct 24 and Oct 26 the scoring method changed (2 changes), so part of that move is the method, not the card.
  • Between Oct 26 and Oct 27 the scoring method changed (10 changes), so part of that move is the method, not the card.
  • Between Nov 2 and Nov 4 the scoring method changed (a card with a higher income minimum for first-time applicants is no longer left out), so part of that move is the method, not the card.
  • Between Nov 10 and Nov 11 the scoring method changed (3 changes), so part of that move is the method, not the card.
  • Method changes

Fees and who can apply

Annual fee
₱2,400
Supplementary fee
₱0
Fee waiver
On request; the bank decides
Foreign transaction fee
2.50%
Minimum income
₱180,000 a year

Rewards

4 Peso Points per ₱1,000 at Bench and partner brand stores, and 2 points per ₱1,000 elsewhere. Points become Bench Cash Coupons. 20% off at Bench every Monday. Bills paid by Auto Charge earn nothing.

Type
Store credit
Points expiry
unknown

Travel perks

International lounge visits
None
Local lounge
None
Travel insurance
None

Watch out for

  • Rewards are store credit, usable at one merchant
  • Some details could not be verified

Live and upcoming promos (29)

As of Nov 11, 2026. Check each promo's source before you rely on it.

Show 24 more

What cardholders say (0)

Individual accounts, read by us before they appear but not checked with the bank. They never change this card's score.

No cardholder posts yet.

Official BDO card page ↗