• Min. Monthly Income


  • Interest Rate

    2.5% /month

  • Annual Fee


Feature Highlights
  • Use your BDO credit card on partner websites and receive special discounts


  • Use your card in buying airfare tickets and get up to ₱20M travel insurance for both principal and supplementary cardholders


  • International spending are billed in US Dollars whereas local transactions are billed in Pesos.
  • Earn one (1) point for every ₱40 local transaction and for every US$ 1 international transaction you charge to your credit card


  • Earn one (1) point for every ₱40 local transaction and for every US$ 1 international transaction you charge to your credit card


  • Charge your entertainment spending using your card and get to earn one (1) point for every ₱40 spent locally or for every US$ 1 spent abroad


  • Pay your gas expenses using your card and receive one (1) point for every ₱40 domestic spending and for every US$ 1 international transaction


  • Have 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
  • Use your card on your travel spending and get one (1) point every time you spend ₱40 on local transaction and US$ 1 on international transactions

Other Features

  • Cash Advance

    • 30% of the credit limit and fees are either ₱300.00 or 5% of cash advance 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

    • Pay your multiple utility bills quickly and easily with this feature. All you need to do is enroll them to your credit card so you only have one due date to take note of.

  • MasterCard Moments Concierge Service

    • Receive travel assistance, exclusive shopping offers, dining privileges for foodies and so much more!

Card Information

Annual fee ₱3,500 (Annual fee is waived for the first year.)
Min. monthly income ₱83,334
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 ₱1,750.00
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 each sales slip retrieved for local transactions or ₱450.00 each for international transactions.

Late payment charge

₱300.00 or 5.00% of the overdue amount, whichever is higher

Cash advance amount

30% of credit limit

Cash advance charge

₱300.00 or 5.00% of the 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 Titanium

Take advantage of having the convenience of 2 currencies in one card with BDO Titanium Credit Card. Your transactions in the Philippines are billed in Peso while you have the option of paying either in US$ or in Peso for your international spending. You’ll also feel secure with free ₱20M travel accident and inconvenience insurance, while enjoying up to 50% discount on dining as well as exclusive rates and packages with partner hotels and resorts. Spend using your credit card either local or abroad and turn your purchases into exclusive perks as you accumulate points to get free benefits and rewards.

Fees and Charges of BDO Titanium MasterCard

For the principal cardholder, free annual membership fee for the first year, ₱3,500 for the succeeding year. As for supplementary cardholders, it will be ₱1,750 per year. Monthly interest rate is only 2.5% for this card, and late payment charges will be ₱300 or 5% of the unpaid amount, whichever is higher.

Are you eligible for a BDO Titanium Credit Card?

For the principal cardholder, applicants should be at least 21 years and above, with a minimum monthly income of ₱85,000. Supplementary cardholders should be at least 13 years and above.

If you're searching for a similar credit card, we would recommend that you check out EastWest Bank Platinum Credit Card and Chinabank Platinum Credit Card which also share similar benefits and features.

Still haven't found the right card? Why not browse for more BDO credit cards that suit your needs.