Classic
Classic
BDO · Visa, JCB or Mastercard · Classic
Classic
Why pick it: ₱15k monthly income bar, plus 0% installments
Entry Visa for ₱15,000/month earners: 1 Peso Point per ₱1,000 (0.1% cash credit); ₱150/month fee after the first year.
- Score
- 22 /100
- Rank
- #93 of 123
- Annual fee
- ₱1,800
Entry Visa ng BDO para sa mababang income, pero halos walang rewards ayon sa data.
Bottom line: Kailangan mo ba ng simpleng card na mababa ang requirements? Puwede ito, pero hindi ka kikita nang malaki. Skip kung may ibang option ka.
Read the full take: the math, what's good, what hurts
Rewards na ~₱0 lang ang nakukuha ng typical household (~₱825k a year). Negative ang net sa travel, ~-₱1,500, kasi 2.50% ang fee sa foreign transactions, galing sa data. Ang ₱1,800 na annual fee ay galing din sa data, dahil wala ito sa BDO page. Sa ranking na 123 cards, #93 ang puwesto nito, at 22 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 membership sa first year.
- Mababa ang hinihinging income: ₱15,000 gross fixed monthly, edad 21 hanggang 60, at mandatory ang ITR.
- 0% interest installment at over 20,000 stores.
What's bad
- 1 Peso Point per ₱1,000 lang ang earn, galing sa data. The page lists Peso Points without a rate.
- The page lists no insurance or lounge.
- Per the Peso Rewards T&C 3(f), hindi nag-e-earn ng points ang bills na binayaran via Auto Charge o Charge on Demand. Hindi pinangalanan ang direct bill payments.
The catch: Ang foreign fee at earn rate ay galing din sa data. Ayon sa T&C 3(g) at FAQ Q3, kada transaction kino-compute ang points at tinatanggal ang fractions, kaya malamang walang points ang swipe na wala pang ₱1,000. Visa ang na-score namin.
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); insurance. 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 −₱1,500 in rewards (₱0) 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:
- Monthly fee starts after 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
#93 of 123 cards open to new applicants, and #129 of all 170 scored cards once invite-only, closed and limited-eligibility cards are counted too.
- Yearly value2 / 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 ₱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 33 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 ₱0 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.
- 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
1 Peso Point per ₱1,000 per transaction, and 1 point = ₱1 cash credit. 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
- None
Live and upcoming promos (42)
As of Nov 11, 2026. Check each promo's source before you rely on it.
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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.