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BDO · UnionPay · Gold

Gold UnionPay

Why pick it: Free for 3 years, no Alipay or WeChat fees

Gold UnionPay: free first 3 years, 2.3% total FX fee, no Alipay/WeChat fees in China; 1 Peso Point per ₱1,000.

Score
24 /100
Rank
#78 of 123
Annual fee
₱2,400
Solid C
SKIP ITHonest take

Maliit ang earn: 1 Peso Point per ₱1,000 lang, from our data.

Bottom line: Gusto mo ng free 3 years, at China ang puntahan mo? May silbi ito. Kung rewards ang habol, skip.

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

Maliit ang balik dito: ~₱0 lang para sa typical household (~₱825k a year). Puwesto: #78 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

  • Free ang membership for the first three years.
  • Libre ang transaction fees sa Alipay at WeChat sa China, per the page.
  • Up to ₱10M ang family travel insurance per the heading (₱5M sa isang image).

What's bad

  • 2.30% ang singil sa foreign spend, galing sa data.
  • Per the Peso Rewards T&C, walang points ang Auto Charge bills.

The catch: Wala sa page mismo ang annual fee, foreign fee at earn rate. Ang ₱2,400, ang 2.30% at ang 1 Peso Point per ₱1,000 ay from our data. Kumpirmahin ang mga ito at ang insurance sa bank bago ka umasa.

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 −₱500 in rewards (₱0) and travel value (−₱500), 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:
Membership fee free for the first 3 years for the principal card.

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

#78 of 123 cards open to new applicants, and #109 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 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 spend1 / 10

      About −₱500 of travel value on one trip abroad a year, after the 2.30% 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

    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 −₱500 in travel value.

Score over time

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

methodmethodmethodmethod42 COct 2442 DOct 2623 COct 2723 CNov 223 CNov 423 CNov 923 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
₱2,400
Supplementary fee
₱0
Fee waiver
On request; the bank decides
Foreign transaction fee
2.30%
Minimum income
₱396,000 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 ₱10,000,000, covers family

Strengths

  • Travel insurance up to ₱10M 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.

Show 21 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 ↗