• Min. Monthly Income

    ₱15,000

  • Interest Rate

    3.5% /month

  • Annual Fee

    ₱900

Feature Highlights
  • Free SM Advantage Card attached with the credit card
  • 5% Rebate during SM's 3-day Sale events for a Minimum Spend of P3,000.
Gas
5/10
Shopping
5/10
Travel
5/10
Groceries
4/10

Gas

  • Earn one (1) point for every ₱200.00 spend in Petron

Shopping

  • 5% Rebate during SM's 3-day Sale events for a Minimum Spend of ₱5,000.00.
  • Earn additional 0.5 point on top of regular points earned in your SM Advantage Card.

Travel

  • Earn one (1) point for every ₱200.00 SM Retail Affiliates (Property and Hotels)

Groceries

  • Earn additional 0.5 point on top of regular points earned in your SM Advantage Card.

Other Features

  • Cash Advance

    • 30% of the credit limit and fees are either ₱300.00 or 5% of the outstanding amount, 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

    • 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 Treats

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

Card Information

Annual fee ₱900 (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 ₱600.00
Finance charges 3.50% 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 every sales slip retrieved for local transactions or ₱450.00 each for international transactions

Late payment charge

₱300.00 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₱300.00 or 5.00% of amount withdrawn, whichever is higher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, 3.50%

Cashback limit

N/A

Rewards points expiry

N/A

Product Review by iMoney Philippines

More Rewards, More Shopping Value

Get a free SM Advantage card and receive higher rewards points as you get 0.5 point on top of regular points earned in your SM Advantage card. Earn 1 point for every ₱200 spent in SM Retail and SM Advantage partner establishments. You also get 5% rebate every time you shop during SM’s 3-day sale for a minimum spend.

Fees and Charges of BDO Shopmore Credit Card

Free annual membership free for the first year. For the succeeding year, you only pay a low ₱900 per year for principal cardholders and just ₱600 for supplementary cardholders. Interest rate is 3.5% per month and late payment charge of ₱300 or 5% of the unpaid amount, whichever is higher.

Are you eligible for a BDO Shopmore Credit Card?

Principal cardholder must be 21-70 years of age and at least 13 years of age for supplementary cardholder. Principal cardholder should have a minimum monthly salary of ₱15,000 to apply.

If you're still unsure if this card fits you, you can also check out BPI Edge Credit Card and EastWest Bank Practical Credit Card, which could be the right card for you.

Still haven't found what you`re looking for? Feel free to view the rest of the line up of BDO credit cards available on our website.