World Elite MC
World Elite
BDO · Mastercard · World Elite
World Elite MC
Why pick it: 10 lounge or dining passes, US$2M insurance
Invite-only metal Mastercard: 10 Travel Pass lounge/dining entitlements, airport transfers, US$2M travel insurance, 1.85% FX; 1 Peso Point per ₱1,000.
- Score
- 23 /100
- Status
- By invitation
- Annual fee
- ₱95,190
Thin data: the bank does not publish the income requirement. Check with the bank before you apply.
Invite-only ito, ayon sa page, at mataas ang fee para sa 10 lounge entries, from our data.
Bottom line: Na-invite ka ba at madalas kang lumipad? May tunay na value ang lounge at insurance. Kung hindi, mas sulit ang card na mas mababa ang fee.
Read the full take: the math, what's good, what hurts
Kapag may invite ka, ang typical household (~₱825k a year) ay may rewards na ~₱500. ₱95,190 ang yearly fee at walang waiver, parehong galing sa data.
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
- May 10 free lounge o dining entitlements sa Mastercard Travel Pass.
- Hanggang $2M ang family travel insurance, plus 24-hour concierge at purchase protection hanggang $3,000.
- Reduced ang foreign exchange conversion fee: 1.85%, mababa para sa gamit abroad.
- Ayon sa FAQ, hindi mag-e-expire ang points habang active at current ang card.
What's bad
- Per the page, 1 Peso Point per ₱1,000 ang earn, kaya manipis ang rewards.
- Para sa personal use lang ang airport transfer simula April 1, 2026.
- Per the Peso Rewards T&C, hindi nag-e-earn ng points ang bills na binayaran via Auto Charge o Charge on Demand.
The catch: Wala sa BDO page ang annual fee, kaya from our data ang ₱95,190. Depende sa dalas ng lipad mo kung magagamit mo ang lahat ng 10 lounge entries. Per the T&C at FAQ, per transaction ang compute ng points at tinatanggal ang fractions, kaya malamang walang earn ang swipe na below ₱1,000.
Rechecked on the bank page on 2026-10-24. Not on the page: annual fee; income requirement. 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 ₱2,500 in rewards (₱500) and travel value (₱2,000), before the ₱95,190 annual fee (rarely waived at this fee level)
- To qualify:
- By invitation; By invitation only (stated on BDO card page) (by invitation)
- Bank service:
- Worse than typical.
Score breakdown, fees, rewards and perks
Score breakdown
- Yearly value0 / 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 waivers0 / 16
A ₱95,190 fee that banks rarely waive at this level. How the bars work
- Travel and perks on the default spend4 / 10
About ₱2,000 of travel value on one trip abroad a year, after the 1.85% 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 30 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 path5 / 5
World Elite 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 ₱2,000 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
- ₱95,190
- Supplementary fee
- ₱47,595
- Fee waiver
- Rarely waived at this fee level
- Foreign transaction fee
- 1.85%
- Minimum income
- By invitation
- Also needs
- By invitation only (stated on BDO card page)
Rewards
1 Peso Point per ₱1,000 on peso-billed spend and 1.5 Peso Points per USD 20 on USD-billed overseas spend. 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
- 10 a year
- Local lounge
- None
- Travel insurance
- Up to ₱126,920,000, covers family
Strengths
- Low FX fee (1.85%)
- 10 free international lounge visits a year
- Travel insurance up to ₱127M covering family
Watch out for
- ₱95,190 annual fee; a waiver is not guaranteed
Live and upcoming promos (30)
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.