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How To Apply for BDO Credit Card: A 7-Step Guide to Getting Approved

How To Apply for BDO Credit Card: A 7-Step Guide to Getting Approved

A recent study shows that 6 out of 10 Filipinos prefer credit cards over cash1 because of the safety and convenience they offer.

You can get these credit cards from virtually any bank in the Philippines. But if you want to ensure your account is in good hands, nothing beats the stability offered by established banks like BDO.

Apart from BDO’s reputation as one of the best banks in the country, Filipinos are also drawn to a BDO credit card because of the following perks:

  • EasyPay program that offers 0% interest for a minimum of ₱3,000 single purchase from over 11,000 partner stores.
  • A free virtual card you can use for online shopping. This card is different from your regular credit card to protect you from online fraud.
  • Exclusive freebies, discounts, and privileges when you use the BDO credit card at partner stores.
  • Hassle-free bill payment either through Charge-On-Demand or Auto Charge scheme.
  • 24-hour customer service you can reach at 631-8000 or 1-800-10-6318000 (Domestic Toll-Free).
  • A convenient way of paying credit card bills through various payment channels: over-the-counter, Internet, phone, or SM Bills payment counters.
  • Ability to do cashless transactions almost anywhere in the world through BDO Mastercard credit card, which is accepted in over 20 million locations across 275 countries and territories.

Applying for a BDO credit card, however, is a completely different story.

Whether you’re a first-time applicant or someone who already has an existing credit card, rejection is always a possibility.

In this guide, we’ll not only help you find the best BDO credit card that fits your needs and lifestyle. Through easy-to-follow steps, we’ll also take you through the exact process to apply for a BDO credit card and actually get approved.

Also Read: How to Open a Savings Account in BDO

Table of Contents

1. Build a Good Credit History

bdo credit card application and requirements 1

No bank will ever issue you a credit card or even a small loan if your poor financial decisions in the past suggest you’re a liability.

So how do banks assess an individual’s credit profile?

There are two ways.

First, they can get a copy of the applicant’s credit report from the Credit Information Corporation (CIC) or any of its accredited Special Accessing Entities (SAEs).

A credit report contains basic information like your name, government ID numbers (e.g., TIN, SSS, etc.), employer or business, and a copy of your contracts with banks and lending institutions.

Under Republic Act 9510 2, the CIC is authorized to collect your credit report, whether it’s negative or positive, and then issue it upon request either to you or the bank/lending institution you’re transacting with.

Banks can also have an underwriter review your credit card application.

This applies if you already have an account with the bank where you’re applying for a credit card. Since they already have access to your data, the bank doesn’t need to request a copy from the credit bureau.

4 Tips to Get Your BDO Credit Card Application Approved

While you don’t have access to the exact criteria BDO uses to assess its credit card applicants, you can improve your chances of getting approved by following these tips:

1. Settle All Your Debts

If you struggle to pay your loans, why would BDO trust you with their credit cards? Put your best foot forward by keeping your credit profile squeaky clean.

Close down all credit cards that left you a bad record. Pay off your debts or keep them at a minimum.

In other words, do everything to prove to BDO that you’re capable of paying credit card bills.

2. Build and Maintain a Good Credit Profile

A zero credit history can likewise hurt your chances of getting approved. For one, having a blank slate provides BDO with absolutely no way to gauge your ability to maintain a credit line.

Hence, it’s important to build a credit profile no matter how small as early as you can.

Start by availing quick-access personal loans that don’t require existing credit history. For instance, there are legit loan apps that you can use to avail of quick loans with minimal documentary requirements.

Alternatively, you can get any of the secured credit cards that don’t need the same strict requirements as regular credit cards.

Make sure to pay off your debts on time to prevent creating a bad record. If you’re fortunate enough to be issued a credit card with a low credit limit, be patient and use this opportunity to establish a good credit history.

Once you’ve proven your ability to maintain a good credit line by regularly paying your bills in full and on time, the bank will be more than glad to offer you another card with a higher credit limit.

3. Open and Maintain a Big Savings Account

This trick guarantees that your credit card application will get approved even if you have no existing credit card.

Consider the money in your account as collateral which BDO can then use to assess the stability of your cash flow as well as your “purchasing potential.”

Keep piling up money in your account and maintain rapport with the BDO branch. If you do it this way, you don’t have to come to them for your credit card application. Instead, BDO will be the one to offer you their financial products–credit cards included–based solely on the number of your assets with them.

4. Be Patient

BDO and any bank for that matter can smell desperation even from a distance.

By repeatedly doing follow-ups on your application, you’re suggesting that you’re desperate to have a credit card and that it’s more than likely that you were rejected several times before.

Banks follow a specific procedure to verify and assess each credit card application. Unless it’s outside the waiting period (more on this later) given by BDO, don’t bother calling them, or you might sound the alarm.

2. Choose the Right BDO Credit Card for You

bdo credit card application and requirements 2

With over 20 BDO credit cards from 6 different brands (Visa, Mastercard, American Express, JCB, UnionPay, and Diners Club), it’s easy to end up with the wrong card that doesn’t fulfill your needs.

Therefore, it’s important to know yourself–your needs, lifestyle, and spending patterns–before heading to the bank for a credit card application.

In general, there are three types of credit cards, each one suitable for a specific need or lifestyle.

Spend time reviewing the fine print of each credit card and make a decision based on factors that matter the most to you.

For example, a credit card that earns air miles is great for frequent travelers but not the right fit for people who regularly spend on groceries every month.

To help you choose the best BDO credit card, let’s go over each credit card type in detail and explore the different options available for you.

a. Regular or Basic Credit Card

Credit CardMembership Fee Monthly Interest Rate
Shopmore Principal: ₱150 

Supplementary: ₱75


First supplementary card is free for life
Standard Mastercard / Visa Classic / JCB Lucky CatPrincipal: ₱150

Supplementary: ₱75

BDO Installment CardPrincipal: ₱1000

Supplementary: n/a

Bench Mastercard Principal: ₱200


Supplementary: ₱100

Blue from American ExpressPrincipal: ₱150


Supplementary: ₱75


Basic BDO credit cards are perfect for those who care more about convenience than rewards.

These cards require a lower minimum gross annual income of ₱180,000 and also the lowest annual membership fees which are charged from cardholders on a monthly basis at ₱150 to ₱200.

The downside of owning a basic BDO credit card is the high-interest rate of 2% and less exclusive perks available for the cardholders.

Since they have relatively higher interest rates, regular or basic BDO credit cards are only used occasionally or in case of emergencies, making them the perfect companion for first-time cardholders who are still building up their credit history.

b. Rewards Credit Card

Credit CardMembership FeeMonthly Interest Rate
Gold Cards (i.e.Gold Mastercard, JCB GoldVisa Gold, Gold UnionPay)Principal: ₱200


Supplementary: ₱100


First supplementary card is free for life
Diners Club International Principal: ₱250


Supplementary: ₱125

American Express Gold Credit CardPrincipal: ₱250


Supplementary: ₱125

American Express Credit CardPrincipal: ₱150


Supplementary: ₱75

The American Express Cashback Credit Card.Principal: ₱250


Supplementary: ₱125

Cathay Pacific American Express Elite Credit CardPrincipal: ₱5,000


Supplementary: ₱2,500


While BDO rewards credit cards have higher annual fees (₱1,800 – ₱3,000) than basic cards, the cost is offset by the exclusive perks and reward points you’ll get for every purchase.

Depending on your lifestyle, you can choose from different cards that offer a wide range of rewards–rebates on air miles, cashback, travel privileges, or rebates from gas and auto companies.

If you’re a frequent shopper, for example, it’s wiser to use a rewards card than paying with cash or a debit card. Whereas the latter earns you zero rewards, a BDO credit card allows earning cashback for every item you buy.

A cashback is a type of perk which enables you to earn back a percentage of the money you spend on your credit card.

Do you use your car every day? BDO offers a rewards credit card that gives you points for fuel or gas purchases. Hit by a travel bug? Choose from the various BDO cards that reward you with air miles or travel points on every peso you spend.

Whatever reward you’re looking for, make sure you choose the card that offers the highest rewards for the categories you spend most on.

Also, consider the minimum amount to qualify for rewards as well as the expiration of such rewards. The less you spend to qualify for the bonuses and the longer the validity period of the rewards, the better.

c. Premium Credit Card

Credit CardMembership FeeMonthly Interest Rate
Titanium / Platinum Mastercard Principal: ₱4,500


Supplementary: Free for life
Visa PlatinumPrincipal: ₱4,500


Supplementary: ₱2,500

The American Express Platinum Credit CardPrincipal: ₱5,000


Supplementary: ₱2,500

The Cathay Pacific American Express Elite Credit CardPrincipal: ₱5,000


Supplementary: ₱2,500

Diamond UnionPayPrincipal: ₱5,000


Supplementary: ₱2,500 

Diners Club PremierePrincipal: ₱4,500


Supplementary: ₱2,500


Premium BDO credit cards are reserved for high-earning individuals with an affinity to upscale purchases.

These cards have a higher credit limit, annual fees, and interest rates but also offer some of the best exclusive perks like travel insurance, front row seats to concerts, product warranty, and emergency services, to name a few.

BDO only offers these cards to affluent consumers who can afford to pay their credit card bills in full every month. This explains why their minimum gross fixed annual income requirement (from ₱1,000,000 to ₱1,800,000) is significantly higher than the other credit card categories.

Still unsure about what type of BDO credit card you prefer? This short questionnaire provides you with some suggestions as to what BDO credit card suits you the best.

Related Article: How to Apply for BPI Credit Card: An Ultimate Guide

3. Know the Basic Qualifications for the BDO Credit Card Application

bdo credit card application and requirements 3

To be considered for BDO credit card application, a person must have the following minimum qualifications:

a. Age: 21 – 60 years old for principal cardholders and at least 13 years old for supplementary cardholders.

b. Filipino citizen OR a foreigner who has been a permanent resident of the Philippines for the last two years.

c. A minimum gross monthly income of

  • ₱15,000 (Bench/Forever 21/ShopMore and Standard Mastercard, Visa Classic, JCB Lucky Cat Credit Card)
  • ₱33,000 (Gold Credit Card, Diners Club International, and American Express Cashback Credit Card)
  • ₱77,000 (Titanium Mastercard and Diners Club Premiere Credit Card)
  • ₱93,000 (Platinum Mastercard, Visa Platinum, JCB Platinum, and Diamond UnionPay)
  • 139,000 (American Express Platinum Credit Card)

d. Regular employee OR self-employed (with business operating for at least 2 years).

e. With at least 1 landline phone or a mobile phone.

f. With residence/office address within any area with a BDO branch.

4. Complete the BDO Credit Card Requirements

bdo credit card application and requirements 4

After confirming your eligibility to apply for a BDO credit card, complete all the documentary requirements that will prove your identity and income to the bank.

For Applicants with Existing Credit Card/s

a. Photocopy of the front section of the other credit card/s.

b. Original copy of the existing credit card’s statement of account (SOA) for the last two months that is at least 1 year on books.

c. Photocopy (front and back) of at least 1 valid ID with your photo and signature and signed/issued by an official authority. You can choose from any the following:

d. For employed: Photocopy of the latest BIR Form 2316 signed by the employer’s authorized representative.

e. For self-employed: Photocopy of the latest ITR and W4 with a BIR stamp.

For Applicants without Existing Credit Cards

a. Duly accomplished BDO credit card application form.

b. Proof of identification (for both primary and supplementary applicants).

For Filipinos:

Photocopy (front and back) of ANY of the following valid photo-bearing ID:

  • Company ID, if your company is registered with or supervised by SEC, IC, or BSP.
  • Government-issued ID such as passport, SSS ID, etc. (see the previous section for a complete list of valid IDs).
  • School ID, if you’re still a student and applying for a supplementary credit card.

For Foreigners:

  • Copy of employment contract or Certificate of Employment.
  • Letter from Embassy (if Embassy official).
  • ANY of the following valid documents: Valid VISA and work permit; Alien Certificate of Registration (ACR) or Immigrant Certificate of Registration (ICR) or ACR-I; valid passport with Special Investors Resident VISA, Special Non-Immigrant VISA for PEZA investors and employees, or VISA with EO226.

c. Proof of income.

For Employed:

For Self-Employed:

Submit the above requirements to the BDO branch where you’ll apply for the credit card. BDO won’t process your application if you come to the bank with incomplete documentary requirements.

5. File Your BDO Credit Card Application

bdo credit card application and requirements 5

Go to the BDO branch of your choice and personally submit the duly accomplished application form along with the other requirements.

Note that the documents you’ll submit to BDO will not be returned to you.

You may also apply online or through text message but all applicants, regardless of the mode of application, will eventually be required to visit BDO to submit the required documents.

To apply online, go to the BDO website. Under the “Personal” menu on your left screen, click Cards. Under the “Credit Card” dropdown menu, press Right Card for you. Afterward, select Choose the brand for My New Card

Browse your preferred BDO credit cards. Note that they are sorted according to their brand (e.g., Mastercard, Visa, American Express, etc.). Click Apply Now under your preferred BDO credit card to start your online application. You may also read further details about the BDO credit card by clicking Learn More.

Complete the online form by providing your personal information. Afterward, upload scanned copies of the required documents. Click Submit once you’re done. A BDO representative will call you for verification.

To apply via SMS, type BDOCC<space>APPLY<space>LAST NAME/FIRST NAME/MIDDLE INITIAL then send to 2256 (2.50 charge for Globe & Smart, 2.00 charge for Sun subscribers).


6. Wait for the Approval of Your BDO Credit Card Application

bdo credit card application and requirements 6

BDO meticulously reviews each credit card application so it normally takes up to several weeks before you receive a call from the bank.

If you want to check the status of your application, you can do so by calling the BDO branch where you filed the application or making an online inquiry.

To check your application status online, visit the BDO website and go to Credit Cards>Card Services>Card Application Status. Enter your SSS number or TIN (tax identification number) to pull up your account.

In case your application gets rejected, inquire about the reason/s why so you won’t commit the same mistake the next time you re-apply.

The following are the common reasons why credit card applications don’t get approved:

  • Too much debt.
  • Bad credit score/history.
  • Incorrect or insufficient information provided on the application form.
  • Job hopping or unstable job history.
  • Unpaid credit card balance.
  • Insufficient annual income.

After the rejection, financial experts recommend working on the reason/s why you didn’t get approved and wait for 3 to 6 months before reapplying. Otherwise, BDO will see red flags on your credit history and consider you too desperate to have a credit card.

7. Activate Your BDO Credit Card

bdo credit card application and requirements 7

For those whose applications got approved, you can now activate your new credit card to start using it.

To activate your BDO credit card, visit the BDO website and go to Credit Cards>Services>Card Activation.

To verify your account, enter your credit card number, date of birth, the expiration date of the card, and the security/captcha code provided.

Click Submit and wait for BDO to process your request.

You may also activate your BDO credit card via SMS. Just send ACTIVATE <space> first name/middle name/last name/last 4 digits of the credit card to 225678.Example: ACTIVATE  Juan/Garcia/Dela Cruz/4956

Tips and Warnings

  • Remember that credit cards are a tool that YOU control, not the other way around. It’s very easy to overspend when you forget that you’re still obliged to pay every peso you spend through your card. To avoid “bill shock,” use apps like Toshl Finance to track every item you buy with your BDO credit card.
  • When choosing a BDO credit card, use BDO’s very own online comparison tool to further refine your search and zero in on the best credit card that suits your needs and lifestyle. To access this tool, visit BDO website and go to Credit Cards>Right Card for You>Compare Credit Cards. You can compare up to three BDO credit cards at the same time.
  • Upon receiving your new credit card, immediately write your signature in the box provided at the back to make it secure.
  • You may also avail of the BDO Credit Card Delivery Service. Visit BDO website and proceed to Credit Cards>Cards Services>Card Delivery. Provide the following information in the Credit Card Re-delivery Online form: Card Type, Full name, Tracking number, Delivery Address, and a landmark to easily locate you. 
  • Pay your balance in full on or before the due date to avoid incurring interest.
  • Always check your statement of account. In case you spot errors, call BDO’s customer care hotline indicated at the back of your credit card.
  • The price of items sold in different establishments should be the same regardless if you’re paying with cash or credit card. If you encounter stores that charge higher prices for payments via credit cards, call DTI Direct at 751-3330.
  • The password you use for online banking should be different from the passwords for your social media accounts. To avoid being a victim of online scams, change your online banking password regularly and make it stronger by using a combination of alphanumeric and special characters (e.g., *, #, @, $, etc.).

Frequently Asked Questions

1. Can I apply for a BDO credit card if I’m an OFW?

2. Can I pay my utility bills using BDO credit card?

3. What is a credit card limit?

4. I’m a student/first-timer/freelancer/stay-at-home mom with no proof of income. How can I get a BDO credit card?


  1. Domingo, K. (2017). Philippines lags Southeast Asia in credit card use. Retrieved 14 July 2022, from https://news.abs-cbn.com/business/08/16/17/philippines-lags-southeast-asia-in-credit-card-use
  2. Official Gazette. Credit Information System Act (2008). Manila, Philippines.

Written by Luisito Batongbakal Jr.

in Business and Finance, Juander How

Last Updated

Luisito Batongbakal Jr.

Luisito E. Batongbakal Jr. is the founder, editor, and chief content strategist of FilipiKnow, a leading online portal for free educational, Filipino-centric content. His curiosity and passion for learning have helped millions of Filipinos around the world get access to free insightful and practical information at the touch of their fingertips. With him at the helm, FilipiKnow has won numerous awards including the Top 10 Emerging Influential Blogs 2013, the 2015 Globe Tatt Awards, and the 2015 Philippine Bloggys Awards.

Browse all articles written by Luisito Batongbakal Jr.

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