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Illustration, not the bank's artwork.

BDO · Mastercard · Classic

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Why pick it: 0% installments at over 25,000 stores

SM co-brand classic card: 2 Peso Points per ₱1,000 (0.2% as cash credit or SMAC points); ₱150/month fee from the 13th month.

Score
24 /100
Rank
#77 of 123
Annual fee
₱1,800
Solid C
SKIP ITHonest take

Sabi ng page, 2x Peso Points, pero 2 Peso Points per ₱1,000 lang ito, galing sa data.

Bottom line: Naghahanap ng first card na low ang requirements? Pwede ito kung gagamitin mo ang 0% installment. Kung rewards ang habol, maghanap ka ng iba. Skip.

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

Kinakain ng fee ang malaking parte ng rewards sa typical household spend, base sa computation namin. Puwesto: #77 sa 123 cards; score 24.

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

  • Libre ang first year ng membership, at per the FAQ, hindi nag-e-expire ang points habang active at current ang card.
  • 0% interest installment sa mahigit 25,000 stores.
  • Low income requirement: ₱15,000 a month.

What's bad

  • May ₱150 monthly fee simula sa 13th month.
  • Per the T&C, per transaction ang computation ng points. Walang points ang purchase na wala pang ₱1,000, from our data.
  • Malaki ang 2.50% sa foreign transactions (from our data), kaya ~-₱1,500 ang travel value. Hindi nakalista sa page ang insurance.
  • Ayon sa Peso Rewards T&C, walang points ang Auto Charge bills.

The catch: Hindi namin na-check ang separate loyalty program updates ng BDO, kaya pwedeng magbago ang rate.

Rechecked on the bank page on 2026-10-24. Not on the page: foreign fee; insurance; earn per ₱1,000 (2 Peso Points 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 −₱500 in rewards (₱1,000) and travel value (−₱1,500), before the ₱1,800 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

#77 of 123 cards open to new applicants, and #108 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 spend2 / 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 ₱1,800 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

    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

    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.

methodmethodmethodmethod41 DOct 2441 DOct 2623 COct 2724 CNov 224 CNov 424 CNov 924 CNov 1024 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
₱1,800
Supplementary fee
₱900
Fee waiver
On request; the bank decides
Foreign transaction fee
2.50%
Minimum income
₱180,000 a year

Rewards

2 Peso Points per ₱1,000 of qualified spend, counted per transaction. 1 Peso Point = ₱1 cash credit, 1 BDO Rewards point or 1 SMAC point. Auto Charge and Charge on Demand bills, e-wallet loading and insurance installments earn nothing.

Type
Points
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 ↗