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BDO · JCB · Gold

JCB Gold

Why pick it: 6 free lounge visits in Japan and Hawaii

Gold JCB: 1 Peso Point per ₱1,000 (0.1% cash credit); 6 free JCB airport lounge visits in Japan/Hawaii; ₱10M family travel insurance.

Score
26 /100
Rank
#66 of 123
Annual fee
₱2,400
Solid C
SKIP ITHonest take

Lounge visits sa Japan at Hawaii ang main perk; sa labas nito, kaunti lang ang makukuha mo.

Bottom line: Ilang beses ka bang pupunta sa Japan o Hawaii? Doon lang may sense ito. Kung hindi, skip na.

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

Sa typical household (~₱825k a year), ~₱0 ang bumabalik. Pagkatapos ng foreign fee, ~₱0 ang travel value, kahit may lounge visits at insurance. Puwesto: #66 sa 123 cards; score 26.

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

  • 6 free lounge visits sa Japan at Hawaii.
  • Up to ₱10M ang travel insurance para sa family.
  • First supplementary card: free for life, at free ang first year ng membership.

What's bad

  • Galing sa data: 1 Peso Point per ₱1,000 lang ang earn, at hindi ito nakalista sa page.
  • 2.50% ang foreign charge (galing sa data), mataas para sa travel card.
  • Kailangan ng ₱33,000 a month na gross fixed income, at mandatory ang ITR.
  • Per the Peso Rewards T&C, walang points ang Auto Charge bills.

The catch: Hindi nakalista sa page ang annual fee, kaya mula sa data ang ₱2,400.

Rechecked on the bank page on 2026-10-24. Not on the page: annual fee; foreign fee; earn rate (1 Peso Point per ₱1,000 is from our earn rules). 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 ₱0 in rewards, before the ₱2,400 annual fee (on request; the bank decides)
To qualify:
₱396,000 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:
Annual fee free in the first year.

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

#66 of 123 cards open to new applicants, and #96 of all 170 scored cards once invite-only, closed and limited-eligibility cards are counted too.

  • Yearly value6 / 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 spend1 / 37

      Under ₱250 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 spend2 / 10

      No travel value on one trip abroad a year, after the 2.50% foreign fee. It includes lounge visits (each person in a household of three who gets in counts) and travel insurance, though insurance counts only a little toward this figure and the score. 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 28 live promos tracked. How it is scored

  • Points flexibility1 / 10

    Bank points with no airline partner that do not expire. It counts for less here because the card earns little back on this spend. How it is scored

  • Credit limit and upgrade path2 / 5

    Gold 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 ₱0 a year in rewards and ₱0 in travel value.

Score over time

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

methodmethodmethodmethod44 COct 2444 COct 2626 COct 2726 CNov 226 CNov 426 CNov 926 CNov 1026 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
₱396,000 a year

Rewards

1 Peso Point per ₱1,000 per transaction. Bills paid by Auto Charge or Charge on Demand earn no points.

Type
Points
Points expiry
none

Travel perks

International lounge visits
6 a year
Local lounge
None
Travel insurance
Up to ₱10,000,000, covers family

Strengths

  • 6 free international lounge visits a year
  • Travel insurance up to ₱10M covering family

Watch out for

  • JCB is accepted at fewer merchants

Live and upcoming promos (28)

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

Show 23 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 ↗