• Min. Monthly Income

    ₱15,000.00

  • Interest Rate

    3.5% /month

  • Annual Fee

    ₱1,500.00

Feature Highlights
  • Free SM Advantage Card attached with the credit card
  • Get up to ₱10,000 worth of rebates wen you shop at The SM store, and other participating SM Retail Affiliates and retail brands on select days.
Gas
5/10
Shopping
6/10
Travel
6/10
Groceries
6/10

Gas

  • Earn 0.50 peso point for every ₱200.00 spend anywhere.

Shopping

  • Earn the highest rewards points every time you shop at any SM Advantage Partner establishment.
  • Get up to ₱10,000 worth of rebates wen you shop at The SM store, and other participating SM Retail Affiliates and retail brands on select days.

Travel

  • Earn 0.50 peso point for every ₱200.00 spend anywhere. (Property and Hotels)

Groceries

  • Earn 0.50 peso point for every ₱200.00 spend anywhere.

Other Features

  • Cash Advance

    • 30% of the credit limit and fees are either ₱500.00 or 5% of the outstanding 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% 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 ₱1,500.00 (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 ₱750.00
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

₱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₱500.00 or 5% of the amount withdrawn, whichever is higher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, 3.50%

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 highest rewards points every time you shop at any SM Advantage Partner establishment while earn 0.50 pesos point for every ₱200 spent everywhere. You also get up to ₱10,000 rebate if you use your card on select days at any The SM Store, participating SM Retail Affiliates and other partner retail brands.

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 ₱1,500 per year for principal cardholders and just ₱750 for supplementary cardholders. Interest rate is 3.5% per month and late payment charge of 7% of the overdue amount.

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 for shoppers available on our website.