Diamond UnionPay
BDO · UnionPay
Diamond UnionPay
Why pick it: 1.65% foreign fee, no Alipay or WeChat fees
Premium UnionPay: 1.65% FX fee, no Alipay/WeChat fees in China; 1 Peso Point per ₱1,000; free first 3 years, then ₱600k-spend waiver.
- Score
- 26 /100
- Rank
- #65 of 123
- Annual fee
- ₱5,000
Para sa Alipay at WeChat ito. 1 Peso Point per ₱1,000 lang ang everyday earn, from our data.
Bottom line: Madalas ka ba sa Alipay o WeChat? Doon lang may sense ang card. Kung hindi, skip.
Read the full take: the math, what's good, what hurts
Para sa typical household (~₱825k a year), ~₱0 lang ang rewards, at ~-₱500 ang net travel value. Ayon sa page, free ang fee for the first 3 years. Pagkatapos nito, ₱5,000 (from our data), waived automatically kapag nag-spend ka ng ₱600,000 a year. #65 ang puwesto nito sa open list ng 123 cards; 26 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
- Libre ang transaction fees sa Alipay at WeChat, at 1.65% lang ang singil sa foreign spend.
- Libre ang membership sa first 3 years.
- May family travel insurance na up to ₱20M.
What's bad
- 1 Peso Point per ₱1,000 lang ang earn, kaya thin ang balik; wala sa page ang rate.
- Kailangan ng ₱93,000 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 nasasaklaw ng aming data ang 3-year free fee, kaya mas mababa ang starting fee kaysa sa ipinapakita nito. Wala sa page ang annual fee, kaya kinuha namin ang ₱5,000 from our data.
Rechecked on the bank page on 2026-10-24. Not on the page: annual 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 −₱500 in rewards (₱0) and travel value (−₱500), before the ₱5,000 annual fee (waived automatically at ₱600,000 yearly spend)
- To qualify:
- ₱1,116,000 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)
- Annual fee:
- Annual fee free for the first 3 years.
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
#65 of 123 cards open to new applicants, and #94 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
The ₱5,000 fee is waived automatically at ₱600,000 of yearly spend, which the typical household reaches. How the bars work
- Travel and perks on the default spend2 / 10
About −₱500 of travel value on one trip abroad a year, after the 1.65% foreign fee. It includes travel insurance, though insurance counts only a little toward this figure and the score. How the bars work
- Promos and 0% installments13 / 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 26 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
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 ₱0 a year in rewards and −₱500 in travel value.
Score over time
Total score and tier on each data date, on the default spend.
- 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
- ₱5,000
- Supplementary fee
- ₱0
- Fee waiver
- Waived automatically at ₱600,000 yearly spend
- Foreign transaction fee
- 1.65%
- Minimum income
- ₱1,116,000 a year
Rewards
1 Peso Point per ₱1,000 per transaction. No Alipay or WeChat transaction fees in China. Bills paid by Auto Charge or Charge on Demand earn no points.
- Type
- Points
- Points expiry
- none
Travel perks
- International lounge visits
- None
- Local lounge
- None
- Travel insurance
- Up to ₱20,000,000, covers family
Strengths
- Fee auto-waived at ₱600,000 yearly spend
- Low FX fee (1.65%)
- Travel insurance up to ₱20M covering family
Watch out for
- UnionPay is accepted at fewer merchants
Live and upcoming promos (26)
As of Nov 11, 2026. Check each promo's source before you rely on it.
- BDOEnds Nov 12, 2026All BDO credit cards
- BDOEnds Nov 20, 2026Mon to FriAll BDO credit cards
- BDOEnds Nov 20, 2026Mon to FriAll BDO credit cards
- BDOEnds Dec 31, 2026All BDO credit cards
- BDOEnds Jun 30, 2027All BDO credit cards
Show 21 more
- BDOEnds Dec 31, 2026All BDO credit cards
- BDOEnds Dec 31, 2026All BDO credit cards
- P500 cashback per P5,000 Buy Now Pay Later receipt at SM Store, up to P3,000, with BDO credit cardsScore 74BDOEnds Nov 14, 2026All BDO credit cards
- BDOEnds Feb 28, 2027All BDO credit cards
- BDOEnds Dec 31, 2026All BDO credit cards
- BDOEnds Nov 13, 2026BDO Gold UnionPay, Diamond UnionPay
- BDOEnds Nov 30, 2026Register firstBDO Gold UnionPay, Diamond UnionPay
- BDOEnds Dec 31, 2026All BDO credit cards
- BDOEnds Dec 31, 2026All BDO credit cards
- BDOEnds Dec 31, 2026All BDO credit cards
- BDOEnds Nov 12, 2026All BDO credit cards
- BDOEnds Dec 31, 2026All BDO credit cards
- BDOEnds Dec 31, 2026All BDO credit cards
- BDOEnds Nov 15, 2026All BDO credit cards
- BDOEnds Jan 31, 2027All BDO credit cards
- BDOEnds Dec 31, 2026All BDO credit cards
- BDOEnds Dec 31, 2026All BDO credit cards
- BDOEnds Dec 31, 2026All BDO credit cards
- BDOEnds Jan 31, 2027All BDO credit cards
- BDOEnds Dec 31, 2026All BDO credit cards
- BDOEnds Dec 31, 2026All BDO credit cards
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.