• Min. Monthly Income


  • Interest Rate

    3.25% /month

  • Annual Fee


Feature Highlights
  • ₱5M Free Travel Insurance
  • Dual Currency Billing Function


  • Get up to ₱5M Travel Accident and Inconvenience Insurance for FREE! Just charge your travel expenses to your BDO Visa Gold


  • 2x Credit Card Points on all dining and entertainment spend


  • 2x Credit Card Points on all dining and entertainment spend


  • Shop anywhere and redeem freebies from partner establishments

Other Features

  • Cash Advance

    • 30% of the credit limit and fees are either ₱500.00 or 5% of amount withdrawn, whichever is higher.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% 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 Online Treats

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

Card Information

Annual fee ₱2,400.00 (Annual fee is waived for the first year.)
Min. monthly income ₱35,000.00
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


Sales Slip Retrieval Fee

₱300.00 for each 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₱500.00 or 5% of the amount withdrawn, whichever is higher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%

Cashback limit


Rewards points expiry


Product Review by iMoney Philippines

The Gold Standard for Every Lifestyle

Use your BDO Visa Gold credit card on all your dining and entertainment spending in the Philippines and get 2x non-expiring credit card points all year round. You also get exclusive dining, entertainment, and travel perks and privileges, plus ₱5M travel accident and inconvenience insurance coverage for free.

Fees and Charges of BDO Visa Gold Credit Card

Annual membership fee for the first year is free for the principal cardholder, ₱2,400 on the succeeding years. ₱1,200 per year for the supplementary cardholder. Interest rate is 3.25% per month and late payment charge is 7% of the overdue amount.

Are you eligible for a BDO Visa Gold Credit Card?

The principal cardholder must have a monthly income of ₱35,000 and 21-70 years of age. Supplementary cardholder should be at least 13 years old.

Eager to find other options? We also recommend that you check out Security Bank Gold Credit Card and Union Bank Gold Credit Card, which have similar benefits and could be the card you're looking for.

Not the right card? Make sure that you check out BDO credit card requirements when browsing for other options that will suit your needs.