• Min. Monthly Income


  • Interest Rate

    2.5% /month

  • Annual Fee


Feature Highlights
  • Use your BDO credit card and receive exclusive discounts when you shop at partner websites


  • Get access to over 600 VIP airport lounges in over 300 cities and 75 countries, regardless of the airline you are taking or the ticket class held
  • Charge your plane tickets using your card and get up to ₱20M travel insurance for both principal and supplementary cardholders


  • International transactions are billed in US Dollars while domestic transactions are billed in Pesos


  • Use your points to redeem air miles, hotel loyalty points or premium rewards items
  • Whenever your entertainment spending is charged to your card, you receive one (1) point for every ₱40 spent locally or US$ 1 spent abroad


  • Dine locally or abroad and get one (1) point for every ₱40 spent or US$ 1 spent on international transactions when you charge it to your card


  • Buy your groceries using your card and receive one (1) point every time you spend ₱40 locally or for every US$ 1 spent abroad

Other Features

  • Cash Advance

    • 30% of the credit limit and fees are either ₱300.00 or 5% of the amount withdrawn, whichever is higher.

  • Balance Transfer

    • 13.04% per annum for a tenure of 12 months

  • Installment Plan

    • 0% interest Installment Payment Plan at all participating merchants.

  • Auto Charge

    • With the Auto Charge facility, you can pay your bills more conveniently as you enroll multiple utility bills to your BDO Credit Card so you only have one due date to remember.

  • MasterCard Moments Concierge Service

    • Get exclusive shopping discounts, dining privileges, travel assistance, and a lot more whenever you need it.

Card Information

Annual fee ₱4,500 (Annual fee is waived for the first year.)
Min. monthly income ₱150,000
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 ₱2,250.00 (Annual fee waived for up to 6 supplementary accounts)
Finance charges 2.50% 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

₱300.00 or 5% of outstanding amount, whichever is higher

Cash advance amount

30% of credit limit

Cash advance charge

₱300.00 or 5% of amount withdrawn, whichever is higher

Cash advance interest charge

Same as credit card interest, 2.50%

Cashback limit


Rewards points expiry


Product Review by iMoney Philippines

Experience Luxury as Precious as Platinum

Enjoy the convenience of 2 currencies in one card as you have your local transactions billed in Peso while having the option of paying in US$ or in Peso for your international spending. Feel secured with ₱20M free travel accident and inconvenience insurance as you enjoy up to 50% discount on dining as well as special rates and promos with partner resorts and hotels. Use your card for your local or international spending and turn your purchases into exclusive privileges as you accumulate points to get free perks and benefits.

Fees and Charges of BDO Platinum Credit Card

Annual membership fee is waived for the first year for the principal cardholder, succeeding year will be ₱4,500. As for supplementary cardholders, annual membership fee will be ₱2,250 per year. You also get low monthly interest rate of only 2.5%, while late payment charges will be ₱300 or 5% of the unpaid amount, whichever is higher.

Are you eligible for a BDO Platinum Credit Card?

To apply, the principal cardholder should be at least 21 years of age, with a minimum monthly income of ₱150,000. Supplementary cardholders should be at least 13 years old.

If you still want to search for other cards, we recommend that you check out HSBC Platinum Credit Card and Maybank Platinum Credit Card which have similar advantages and features.

For more choices, you can also view other BDO credit cards, that matches what you need.