• Min. Monthly Income

    ₱15,000

  • Interest Rate

    3.2% /month

  • Annual Fee

    ₱1,500

Feature Highlights
  • Enjoy free access to JCB Plaza Lounges located in tourist shopping areas at 9 major cities across the globe
  • Earn one (1) credit card point for every ₱50 charged to your credit card
Dining
4/10
Entertainment
4/10
Gas
4/10
Groceries
4/10
Shopping
4/10

Dining

  • You earn one (1) credit card point for every ₱50 charged to your credit card.

Entertainment

  • You earn one (1) credit card point for every ₱50 charged to your credit card.

Gas

  • You earn one (1) credit card point for every ₱50 charged to your credit card.

Groceries

  • You earn one (1) credit card point for every ₱50 charged to your credit card.

Shopping

  • You earn one (1) credit card point for every ₱50 charged to your credit card.

Other Features

  • Cash Advance

    • 30% of the credit limit and fees are either 300 or 5% of the cash advance amount, whichever is higher.

  • Free Membership Fee

    • Principal and Supplementary cardholders enjoy free membership on the first year.

  • JCB Plaza Lounge Services

    • Enjoy free access to JCB Plaza Lounges located in tourist shopping areas at 9 major cities across the globe

  • Auto Charge

    • This facility allows you to enroll multiple utility bills to your BDO Credit Card so you only have one due date to remember

  • Exclusive Online Deals and Online Treats

    • Enjoy discounts, exclusive deals and freebies when you use your BDO Credit Card at partner websites.

  • Worldwide Acceptance

    • Your BDO MasterCard Credit Card is your ideal travel companion. It is accepted worldwide in over 20 million locations and in over 275 countries and territories.

Card Information

Annual fee ₱1,500 (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 ₱750.00
Finance charges 3.25% per month
Must have postpaid account? No
Identification needed Tax Identification Number (TIN) and SSS/GSIS No.
Card Replacement Fee

₱400.00

Sales Slip Retrieval Fee

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

Late payment charge

₱300.00 or 5% 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₱300.00 or 5.00% of amount withdrawn, whichever is higher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, 3.25%

Cashback limit

N/A

Rewards points expiry

N/A

Product Review by iMoney Philippines

Enjoy the Reliability of JCB

The BDO JCB Lucky Cat credit card let’s you enjoy exclusive privileges to JCB Plaza Lounges at tourist areas in major cities around the world. Perks such as free wifi, drinks, temporary luggage holding, as well as tourist information and travel needs like hotel, restaurants, tours and ticket reservations will be readily available to you.

Fees and Charges of BDO JCB Lucky Cat Credit Card

Free first year annual membership fee for principal cardholders, ₱1,500 for the succeeding year and ₱750 for supplementary cardholders. The finance charge or interest rate is 3.25% per month and late payment charges will be ₱300 or 5% of outstanding amount, whichever is higher.

Are you eligible for a BDO JCB Lucky Cat Credit Card?

To apply, the principal cardholder should be between 21-70 years of age, and at least 13 years for the supplementary cardholder. The principal cardholder should also have a minimum monthly salary of ₱15,000.

We also recommend that you check out these cards, RCBC Classic Credit Card and American Express® Cashback Credit Card, which have similarities to the one you're currently looking at.

Still unsure if this card is right for you? Why not browse for more BDO credit cards, to find the one that fits your lifestyle.