Gold
Gold
BDO · Visa or Mastercard · Gold
Gold
Why pick it: Family travel insurance and a free first year
Gold Visa: 1 Peso Point per ₱1,000 (0.1% cash credit); ₱10M family travel insurance; first supplementary card free for life.
- Score
- 24 /100
- Rank
- #80 of 123
- Annual fee
- ₱2,400
Gold ang pangalan, pero insurance lang ang malinaw na benefit. Mahina ang Peso Points, from our data.
Bottom line: Insurance at 0% installment lang ang malinaw na value dito. Skip.
Read the full take: the math, what's good, what hurts
Maliit ang balik ng typical household (~₱825k a year): ~₱0 lang. Nasa ~-₱1,000 ang net travel value, negative kasi mataas ang singil sa foreign transactions, galing sa data (2.50%). #80 ang puwesto nito sa open list ng 123 cards; 24 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 first year ng membership.
- Family travel insurance na up to ₱10M ayon sa heading ng page (₱5M sa isang image).
- 0% interest installment sa mahigit 20,000 stores.
What's bad
- 1 Peso Point per ₱1,000 lang ang earn (from our data), at hindi nakalista ang rate sa page.
- Kailangan mo ng ₱33,000 a month na gross fixed income, at mandatory ang ITR.
- Ayon sa Peso Rewards T&C, walang points ang Auto Charge bills.
The catch: Wala sa page mismo ang annual fee, foreign fee at earn rate. Galing sa data ang ₱2,400 at ang 1 Peso Point per ₱1,000, kaya kumpirmahin ang mga ito at ang insurance sa bank.
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 −₱1,000 in rewards (₱0) and travel value (−₱1,000), 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:
- 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
#80 of 123 cards open to new applicants, and #111 of all 170 scored cards once invite-only, closed and limited-eligibility cards are counted too.
- Yearly value3 / 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 −₱1,000 of travel value on one trip abroad a year, after the 2.50% 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% 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
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 −₱1,000 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
- ₱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
- None
- Local lounge
- None
- Travel insurance
- Up to ₱10,000,000, covers family
Strengths
- Travel insurance up to ₱10M covering family
Live and upcoming promos (38)
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 33 more
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- BDOEnds Nov 14, 2026BDO Mastercard cards
- BDOEnds Nov 15, 2026All BDO credit cards
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- MastercardEnds Jan 31, 2027All Mastercard cards, any bank
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- VisaEnds Mar 4, 2027Register firstAll Visa cards, any bank
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- MastercardEnds Dec 31, 2026All Mastercard cards, any bank
- BDOEnds Dec 31, 2026All BDO credit cards
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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.