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Min. Monthly Income
₱15,000.00
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Interest Rate
3.25% /month
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Annual Fee
₱2,400.00
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
Shopping
- 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
Gas
- Charge your gas expenses to your card and receive 1 point for every ₱200.00 spent. (You can redeem your points at Bench)
Groceries
- For every ₱200.00 spent on groceries using your card, you earn 1 point that can be accumulated and redeemed at Bench
Travel
- 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
Utilities
- 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 ₱500 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 0.60% for 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 | ₱2,400.00 (Annual fee is waived for the first year.) |
Min. monthly income | ₱15,000.00 |
Min. age for principal holder | 21-70 years old |
Min. age for supplementary holder | 13 years old and above |
Fee for supplementary holder | ₱1,200.00 |
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 | ₱300.00 for every sales slip retrieved for local transactions or ₱500.00 each for international transactions. |
Late payment charge | 7% of the overdue amount |
Cash advance amount | 30% of credit limit |
Cash advance charge | ₱500.00 or 5% of the amount withdrawn, whichever is higher |
Cash advance interest charge | Same as credit card interest, 3.25% a month |
Cashback limit | N/A |
Rewards points expiry | N/A |
Product Review by 
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 3.25% per month, while late payment charges will be 7% of the overdue amount.
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 shopping BDO credit cards that suits your requirements.