• Min. Monthly Income


  • Interest Rate

    3.5% /month

  • Annual Fee


Feature Highlights
  • Every time you use your BDO Credit Card, you receive one (1) point for every ₱50.00 spent


  • Avail special discounts with partner websites upon using your BDO credit card
  • Use your BDO Credit Card to purchase online and avail of special discounts at their partner websites


  • Charge your dining expenses to your BDO Credit Card and get one (1) point for every ₱50.00 spent


  • For every ₱50.00 entertainment spending charged to your BDO Credit Card earns you one (1) rewards point


  • Use your BDO Credit Card when you gas up and earn one (1) point for every ₱50.00 spent


  • Buy your groceries using your BDO Credit Card and receive one (1) rewards point for every ₱50.00 spent

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

    • Never worry about multiple due dates as you enroll your various utility bills to your BDO Credit Card through this facility.

  • 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 ₱1,500.00 (First Year Waived)
Min. monthly income ₱15,000.00
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 ₱750.00 (Annual fee is waived for the first year.)
Finance charges 3.50% per month
Must have postpaid account? No
Identification needed Tax Identification Number (TIN) and SSS/GSIS No.
Card Replacement Fee


Sales Slip Retrieval Fee

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₱500.00 or 5% of amount withdrawn, whichever is higher

Cash advance interest charge


Cashback limit


Rewards points expiry


Product Review by iMoney Philippines

Simple Everything and Everywhere Card

BDO Standard MasterCard is your basic, no frills credit card. Use it everytime, everywhere, from your everyday expenses to online shopping. On each transaction you earn 1 point for every ₱50 charged to your card. You can have these points exchanged for special rewards featured on BDO’s redemption catalogue. You can also take advantage of zero percent interest or easy monthly installment programs at partner establishments.

Fees and Charges of BDO Standard Credit Card

Free first year annual membership fee for principal cardholders, succeedingly ₱1,500 per year and ₱750 for supplementary cardholders. 3.50% interest rate per month with late payment charge at 7% of the overdue amount.

Are you eligible for a BDO Standard Credit Card?

Principal cardholders should be at least 21 years of age and not more than 70 years, with minimum monthly income of ₱15,000. Minimum requirement for supplementary cardholders should be at least 13 years of age.

Here are other cards that have similar features, Standard Chartered Classic Credit Card and Union Bank Classic Credit Card, we recommend that you also take a look at them to help you find what you're looking for.

If you still want to search for other cards, you can take a look at other low interest BDO credit cards, which you should consider in finding the right card for you.