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Illustration, not the bank's artwork.

BDO · Mastercard

HOPE MC

Why pick it: Donates ₱5 per ₱1,000 spent to HOPE classrooms

Charity card: no cardholder rewards; BDO donates ₱5 per ₱1,000 spend to HOPE classroom builds; ₱1,200 non-waivable fee after year one.

Score
20 /100
Rank
#101 of 123
Annual fee
₱1,200
Solid D
SKIP ITHonest take

Good cause ang card, pero ikaw ang sasalo ng fee at hindi binabanggit ng page ang cardholder rewards.

Bottom line: Okay sa iyo ang fee at gusto mong tumulong sa classrooms? Go ahead. Kung rewards para sa sarili mo ang hanap, skip.

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

After the free first year, the fee is ₱1,200 a year (from our data), kaya gastos lang ang card para sa cardholder. Ang score nito ay 20, at #101 ito sa open list mula sa 123.

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

  • BDO donates ₱5 to HOPE classrooms for every ₱1,000 qualified spend, per the page.
  • Libre ang first year ng membership.
  • Foreign fee: 1.85%, galing sa data; wala ito sa page.

What's bad

  • Walang earn rate para sa cardholder sa page.
  • Non-waivable ang membership fee pagkatapos ng first year, kaya hindi mo ito mababawasan.
  • Required: ₱33,000 a month na gross fixed income, age 21 to 60, at mandatory ang ITR.

The catch: The page doesn't state the annual fee amount, so the ₱1,200 comes from our data. Mag-check ka sa bank bago mag-apply.

Rechecked on the bank page on 2026-10-24. Not on the page: annual fee amount; foreign fee; earn rate for cardholder. 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 −₱2,000 in rewards (−₱500) and travel value (−₱1,500), before the ₱1,200 annual fee (not waivable)
To qualify:
₱396,000 a year income
Bank service:
Worse than typical.

First year

Welcome offer:
₱8,000 welcome cashback on a new Elite card approved Sep 1, 2026 to Jan 31, 2027: activate and spend ₱80,000 within the spend period (offer sent by SMS/email) (ends Jan 31, 2027)

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

#101 of 123 cards open to new applicants, and #140 of all 170 scored cards once invite-only, closed and limited-eligibility cards are counted too.

  • Yearly value0 / 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 spend0 / 37

      No rewards on the typical household's spend after the foreign fee on foreign online spend. How the bars work

    • Annual fee after waivers4 / 16

      The ₱1,200 fee is not waivable, so all of it counts. 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 1.85% 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 flexibility0 / 10

    No rewards, so nothing to redeem. How it is scored

  • Credit limit and upgrade path2 / 5

    No standard card level. The score also reflects 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 −₱500 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.

methodmethodmethodmethod33 DOct 2433 DOct 2619 DOct 2720 DNov 220 DNov 420 DNov 920 DNov 1020 DNov 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
₱1,200
Supplementary fee
₱600
Fee waiver
Not waivable
Foreign transaction fee
1.85%
Minimum income
₱396,000 a year

Rewards

No cardholder rewards. BDO donates ₱5 per ₱1,000 of qualified spend to HOPE.

Type
No rewards
Points expiry
none

Travel perks

International lounge visits
None
Local lounge
None
Travel insurance
None

Strengths

  • Low FX fee (1.85%)

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 ↗