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BDO · Visa · Signature

Visa Signature

Why pick it: 3% back on overseas and direct airline spend

Travel rebate card: 3% on overseas in-store and direct airline purchases, 0.3% elsewhere, ₱2,500 monthly cap; 1.70% FX; 2 Priority Pass visits.

Score
44 /100
Rank
#26 of 123
Annual fee
₱5,500
Solid A
GET IT IF…Honest take

Travel card: 3% abroad at sa airlines, pero 0.3% lang sa lahat ng iba pa.

Bottom line: Madalas kang lumipad at pasok ka sa income bar? Malakas ito abroad. Para sa everyday spend, maghanap ka ng iba.

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

Sa typical household (~₱825k a year), ~₱1,500 lang ang balik, pero ~₱3,000 ang net travel value dahil mababa ang foreign transaction fee (1.70%). Nasa puwesto #26 sa 123, at 44 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

  • 3% rebate on overseas and airline spend. Galing sa data: kailangan mong bumili directly sa airline.
  • Mababa ang foreign transaction fee (1.70%).
  • 2 free Priority Pass lounge visits a year.
  • Hanggang ₱20M ang travel insurance para sa family.

What's bad

  • 0.3% lang sa karamihan ng ibang spend.
  • Naka-cap ang rebate sa ₱2,500 a month.
  • Mataas ang income bar: ₱165,000 a month gross fixed income, plus mandatory ITR.
  • Per the Rebate T&C, walang rebate ang utilities o Auto Charge bills. Hindi malinaw kung kasama ang direct utility payments, kaya magtanong sa bank.

The catch: Ayon sa page, waived for life ang fee kapag nag-spend ka ng ₱1,000,000 a year. Wala ito sa data, kaya pwedeng mas mababa ang fee mo kung maabot mo ito. Ang annual fee ay wala sa page; galing sa data ang ₱5,500. Galing sa data ang 0.3% earn sa travel agencies at OTAs; wala ito sa page.

Rechecked on the bank page on 2026-10-24. Not on the page: annual fee; OTA rebate rate (0.3% 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 ₱4,500 in rewards (₱1,500) and travel value (₱3,000), before the ₱5,500 annual fee (on request; the bank decides)
To qualify:
₱1,980,000 a year income; Regular employee, or self-employed with business running 2+ years
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.

Who can apply

Age:
21 to 60 for the principal cardholder.
Employment:
Regular employee, or self-employed with a business operating for at least 2 years.

Bank details as of Nov 4, 2026. Where a card's own page is silent, the rule is from the bank's general requirements page; 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

#26 of 123 cards open to new applicants, and #35 of all 170 scored cards once invite-only, closed and limited-eligibility cards are counted too.

  • Yearly value16 / 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 spend4 / 37

      About ₱1,500 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 waivers12 / 16

      A ₱5,500 fee that the bank may waive on request. How the bars work

    • Travel and perks on the default spend5 / 10

      About ₱3,000 of travel value on one trip abroad a year, after the 1.70% foreign fee. It includes lounge visits (each person in a household of three who gets in counts) and 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 flexibility6 / 10

    Cashback is simple to use but cannot move to an airline. How it is scored

  • Credit limit and upgrade path4 / 5

    Signature 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 ₱1,500 a year in rewards and ₱3,000 in travel value.

Score over time

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

methodmethodmethodmethod51 BOct 2451 BOct 2643 AOct 2743 ANov 243 ANov 443 ANov 943 ANov 1044 ANov 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
₱5,500
Supplementary fee
₱0
Fee waiver
On request; the bank decides
Foreign transaction fee
1.70%
Minimum income
₱1,980,000 a year
Also needs
Regular employee, or self-employed with business running 2+ years

Rewards

3% rebate on overseas in-store spend and on purchases made directly with airlines; 0.3% on everything else. Recurring payments, Auto Charge, balance and cash installments, and e-wallet loading are excluded. Paid as statement credit.

Caps: ₱2,500 per month (groceries, fuel, tolls & car service, utilities, telco bills, dining, online shopping, foreign online spend, department stores, drugstores, school fees, airfare, hotels, spending abroad, everything else)

Type
Cashback
Points expiry
none

Travel perks

International lounge visits
2 a year
Local lounge
None
Travel insurance
Up to ₱20,000,000, covers family

Strengths

  • Low FX fee (1.70%)
  • 2 free international lounge visits a year
  • Travel insurance up to ₱20M covering family

Watch out for

  • Rewards capped at ₱2,500 a month

Live and upcoming promos (33)

As of Nov 11, 2026. Check each promo's source before you rely on it.

Show 28 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 ↗