• Min. Monthly Income


  • Interest Rate

    3% /month

  • Annual Fee


Feature Highlights
  • Year round free gifts for a minimum spend
  • Enjoy discounts in all Bench stores and affiliates
  • Use your BDO credit card when shopping online and receive exclusive deals and discounts at partner websites


  • Use your card to shop at Bench and get to earn 2 points for every ₱200.00 spent. Redeem accumulated points at Bench
  • Purchase online at BENCH (www.benchtm.com/shop) & Free State (www.freestate.ph) Online Stores and enjoy 10% discount for a minimum spend of ₱1.500.00 (minimum spend of ₱1.500.00)
  • Celebrate your birthday when you shop at any participating Bench/Partner Global Brand nationwide & receive up to 20% discount (₱1,500.00 minimum spend)
  • Get 20% discount when you shop every Monday in any Bench/Partner Global Brand like Aldo, American Eagle Outfitters, Charles & Keith, Cotton On, Karen Millen, La Senza, Mothercare, Pedro, Vero Moda and many more every Monday for a minimum spend


  • Charge your gas expenses to your card and receive 1 point for every ₱200.00 spent. (You can redeem your points at Bench)


  • For every ₱200.00 spent on groceries using your card, you earn 1 point that can be accumulated and redeemed at Bench


  • Spend on your travels using your card and get 1 point for every ₱200.00 spent. You can have your accumulated points redeemed at Bench


  • Pay for your utilities expenses using your card and earn 1 point for every ₱200 spent. Points can be redeemed at Bench

Other Features

  • Cash Advance

    • Request for a cash advance of up to 30% of your credit limit and pay for fees as low as ₱300 or 5% of the total cash advance amount, whichever is higher.

  • Balance Transfer

    • Transfer your outstanding balance from other cards and get a low interest rate of 13.04% per year for a tenure of 12 months.

  • Installment Plan

    • 0% Installment options in 3 & 6 months terms in any Bench/Partner Global Brand.

  • Auto Charge

    • Never worry about forgetting to pay for multiple utility bills as you use the Auto Charge facility to enroll your multiple monthly commitments and payables to your BDO Credit Card and only have one due date to take note of.

  • Exclusive Online Deals and Online Treats

    • Purchase online using your BDO credit card and enjoy exclusive discounts, deals, and freebies when shopping at partner websites.

Card Information

Annual fee ₱2,400 (Annual fee is waived for the first year.)
Min. monthly income ₱15,000
Min. age for principal holder

At least 21 years of age or older

Min. age for supplementary holder

13 years old and above

Fee for supplementary holder ₱1,200.00
Finance charges 3.00% per month
Must have postpaid account? No
Identification needed Tax Identification Number (TIN) and SSS/GSIS No.
Card Replacement Fee


Sales Slip Retrieval Fee

₱250.00 for every sales slip retrieved for local transactions or ₱450.00 each for international transactions.

Late payment charge

₱300 or 5.00% of outstanding amount, whichever is higher

Cash advance amount

30% of credit limit

Cash advance charge

₱300.00 or 5.00% of amount withdrawn, whichever is higher

Cash advance interest charge

Same as credit card interest, 3.00% a month

Cashback limit


Rewards points expiry


Product Review by iMoney Philippines

For Avid Bench Fans

Get up to 20% discount when you shop every Monday at any Bench or partner global brand such as Aldo, American Eagle Outfitters, Cotton On, and more for a minimum spend. You also get to double your credit card points as you use your credit card for purchases on these partner establishments. Enjoy exclusive 10% online discount and birth month discount of up to 15% as well.

Fees and Charges of BDO Bench Credit Card

Free annual membership fee for the first year, ₱2,400 on the succeeding year for principal cardholders and ₱1,200 for supplementary cardholders. Interest rate is 3% per month, while late payment charges will be ₱300 or 5% of the unpaid amount, whichever is higher.

Are you eligible for a BDO Bench Credit Card?

A principal cardholder between 21 to 70 years old, with a minimum monthly income of ₱15,000 can apply. Whereas supplementary cardholders should be at least 13 years old.

You can also check out BDO Forever 21 Credit Card and RCBC Mango Credit Card, as these cards have similar perks and features with the one you're currently looking at.

If this is not the type of card you`re looking for, then you can also choose from other BDO credit cards that suits your requirements.