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Illustration, not the bank's artwork.

BDO · Mastercard

Installment Card

Why pick it: Up to 100% of your limit as cash, 3 to 36 months

Cash-loan card: convert up to 100% of the limit to cash at 1% monthly add-on over 3-36 months; no rewards; ₱1,000 annual fee.

Score
20 /100
Rank
#99 of 123
Annual fee
₱1,000
Solid D
SKIP ITHonest take

Cash loan ito sa credit card, hindi rewards card.

Bottom line: Need cash at kaya mong magbayad ng monthly installments? Pwede ito, pero compare it with a personal loan first. Rewards ang hanap mo? Skip.

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

Walang rewards na nakalista sa page o sa data. Sa typical household spend, puro fees ang ~-₱500, at ~-₱1,500 ang travel value, negative dahil sa foreign fee (2.50%), galing sa data. #99 sa 123 cards, at 20 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

  • Pwede kang kumuha ng up to 100% ng credit limit mo as cash at bayaran ito sa loob ng 3 to 36 months.
  • Walang collateral at co-maker, per the page.
  • Low fee of ₱1,000 at mababa ang income requirement: ₱15,000 a month.

What's bad

  • Hindi ito kumikita ng Peso Rewards, sabi ng data namin.
  • Add-on rate ang gamit, galing sa data, kaya mas mataas ang true interest kaysa sa 1% a month na nakikita mo.
  • Mataas ang foreign fee (2.50%), galing sa data, at walang nakalistang insurance o lounge sa page.

The catch: Galing sa data namin ang 1% monthly add-on rate, hindi sa card page. Ipinapakita naman ng page ang ₱1,000 na fee at ang term na 3 to 36 months. Basahin mo ang total repayment bago ka kumuha ng cash.

Rechecked on the bank page on 2026-10-24. Not on the page: monthly add-on rate (1% a month is from our earn rules); foreign fee; rewards. 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 ₱1,000 annual fee (on request; the bank decides)
To qualify:
₱180,000 a year income
Bank service:
Worse than typical.
Score breakdown, fees, rewards and perks

Score breakdown

#99 of 123 cards open to new applicants, and #138 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 waivers16 / 16

      A ₱1,000 fee that the bank may waive on request. How the bars work

    • Travel and perks on the default spend0 / 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 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.

methodmethodmethodmethod35 DOct 2435 DOct 2620 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
₱1,000
Supplementary fee
₱500
Fee waiver
On request; the bank decides
Foreign transaction fee
2.50%
Minimum income
₱180,000 a year

Rewards

No rewards. Built for cash loans: convert up to 100% of your limit to cash at 1% a month add-on, for 3 to 36 months.

Type
No rewards
Points expiry
none

Travel perks

International lounge visits
None
Local lounge
None
Travel insurance
None

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 ↗