Platinum
Platinum
BDO · Visa, JCB or Mastercard · Platinum
Platinum
Why pick it: Priority Pass membership, ₱20M family insurance
Platinum Visa: 1 Peso Point per ₱1,000 (0.1% cash credit); 1.85% FX fee, ₱20M travel insurance, Priority Pass membership; ₱600k-spend fee waiver.
- Score
- 27 /100
- Rank
- #61 of 123
- Annual fee
- ₱4,500
Platinum ang pangalan, pero 1 Peso Point lang per ₱1,000 ang earn, based on our data.
Bottom line: Bagay ito kung gusto mo ang ₱20M na family travel insurance at ang Priority Pass membership, at kaya mong abutin ang ₱600,000 spend para sa auto-waiver. Rewards ang habol? Hindi ito bagay.
Read the full take: the math, what's good, what hurts
Manipis ang rewards para sa typical household (~₱825k a year): ~₱500 lang, at ~-₱1,000 ang net travel value. ₱4,500 ang fee (from our data, wala sa page). Sa open list, #61 ito mula sa 123; 27 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
- Free Priority Pass membership, may access sa over 1,900 lounges.
- Up to ₱20M na family travel insurance.
- 1.85% lang ang singil sa foreign spend.
- Libre habambuhay ang fee ng principal cardholder kapag nag-spend ng ₱600,000 a year.
What's bad
- Manipis ang earn: 1 Peso Point per ₱1,000, from our data (wala ang rate sa page).
- Free lang ang Priority Pass membership. Hindi sinasabi ng page kung free din ang bawat visit.
- Kailangan mo ng ₱77,000 a month na gross fixed income, at mandatory ang ITR.
- Ayon sa Peso Rewards T&C, walang points ang bills na binayaran via Auto Charge.
The catch: Hindi ipinapakita ng page ng BDO ang annual fee, kaya galing sa data ang ₱4,500. Per the T&C at FAQ, kada transaction kinukuwenta ang points at tinatanggal ang fractions, kaya malamang zero ang earn ng swipe na wala pang ₱1,000. Pareho ang fee at earn ng Mastercard at JCB versions, from our data; Visa ang na-score.
Rechecked on the bank page on 2026-10-24. Not on the page: annual fee; Priority Pass visit fee or free visit count; 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 (₱500) and travel value (−₱1,000), before the ₱4,500 annual fee (waived automatically at ₱600,000 yearly spend)
- To qualify:
- ₱924,000 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)
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
#61 of 123 cards open to new applicants, and #86 of all 170 scored cards once invite-only, closed and limited-eligibility cards are counted too.
- Yearly value5 / 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
About ₱500 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 ₱4,500 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 spend1 / 10
About −₱1,000 of travel value on one trip abroad a year, after the 1.85% 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 path3 / 5
Platinum 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 ₱500 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
- ₱4,500
- Supplementary fee
- ₱0
- Fee waiver
- Waived automatically at ₱600,000 yearly spend
- Foreign transaction fee
- 1.85%
- Minimum income
- ₱924,000 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 ₱20,000,000, covers family
Strengths
- Fee auto-waived at ₱600,000 yearly spend
- Low FX fee (1.85%)
- Travel insurance up to ₱20M covering family
Live and upcoming promos (42)
As of Nov 11, 2026. Check each promo's source before you rely on it.
- JCBEnds Mar 31, 2027All JCB cards, any bank
- 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
Show 37 more
- BDOEnds Jun 30, 2027All BDO credit cards
- BDOEnds Dec 31, 2026All BDO credit cards
- BDOEnds Dec 31, 2026All BDO credit cards
- MastercardEnds Mar 31, 2027Register firstAll Mastercard cards, any bank
- 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 15, 2026Register firstBDO Visa cards
- BDOEnds Dec 31, 2026All BDO credit cards
- BDOEnds Dec 31, 2026All BDO credit cards
- BDOEnds Nov 30, 2026Register firstBDO JCB cards
- BDOEnds Dec 31, 2026All BDO credit cards
- VisaEnds Mar 31, 2029Register firstAll Visa cards, any bank
- JCBEnds Apr 30, 2027All JCB cards, any bank
- BDOEnds Nov 12, 2026All BDO credit cards
- VisaEnds Oct 31, 2027All Visa cards, any bank
- BDOEnds Dec 31, 2026All BDO credit cards
- BDOEnds Dec 31, 2026All BDO credit cards
- BDOEnds Nov 14, 2026BDO Mastercard cards
- BDOEnds Nov 15, 2026All BDO credit cards
- BDOEnds Jan 31, 2027All BDO credit cards
- Win a BTS World Tour 'Arirang' in Bulacan experience package with BDO Visa (up to 10 raffle entries)Score 60BDOEnds Dec 31, 2026Register firstBDO Visa cards
- JCBEnds Dec 15, 2026TuesdaysAll JCB cards, any bank
- MastercardEnds Jan 31, 2027All Mastercard cards, any bank
- MastercardEnds Jan 31, 2027All Mastercard cards, any bank
- BDOEnds Dec 31, 2026All BDO credit cards
- VisaEnds Dec 31, 2027All Visa cards, any bank
- VisaEnds Dec 31, 2027All Visa cards, any bank
- VisaEnds Mar 4, 2027Register firstAll Visa cards, any bank
- VisaEnds Dec 31, 2027All Visa cards, any bank
- VisaEnds Dec 31, 2027Register firstAll Visa cards, any bank
- MastercardEnds Dec 31, 2026All Mastercard cards, any bank
- 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.