• BDO Shopmore Mastercard

    BDO Shopmore Mastercard
    Credit Card
    Annual Fee
    Reward type
    BDO Shopmore Mastercard
    Annual Fee:
    P900
    Free for 1st year
    Reward type:
    Travel, Groceries, Shopping and Gas

    Overview of BDO Shopmore MasterCard

    BDO is the largest full-service bank in the Philippines. The bank offers a vast array of financial products and services which include credit cards, foreign exchange, investment banking, insurance brokerage, housing loan and stock brokerage, private banking, finance and leasing, corporate cash management and remittances in the Philippines.

    The BDO ShopMore MasterCard is the perfect card for shopaholics. The card makes shopping a fun and rewarding experience.

    BDO Shopmore MasterCard Promotions

    Some of the best promotional offers available on the BDO Shopmore card are:

    • Enjoy a maximum of 7% concession on hotel bookings at agoda.com/bdo when you pay with your BDO credit card. The offer is valid for bookings made up to 31st December, 2017, and or stays until 30th June, 2018.
    • Shop at The SM Store for at least P5,000 and pay no interest when you convert your payments to 3-month instalments under the Absolutely 0% Plan. The promotion is valid until 31st December, 2017.
    • Enjoy a discount of 12% at Zalora when you pay with your BDO credit card until 30th June, 2017.
    • Until 31st May, 2017, get exclusive discounts and free gifts when purchasing at Absolutely 0% instalment plan from your favourite bags and shoes stores with your BDO credit card.
    • Buy travel packages, land arrangement and airline tickets on 3-month term at Absolutely 0% instalment plan, and get a billing holiday of 1 month with your BDO credit cards. The promotion expires on 31st May, 2017.

    Features of BDO Shopmore MasterCard

    The salient features of the BDO Shopmore MasterCard are:

    • Accepted across the globe: Your BDO Shopmore MasterCard is accepted by merchants across the world.
    • Low membership fee: The membership fee for the card is as low as P75 per month, which translates to P900 per year. The membership fee for the first year is waived.
    • Instalment payment programmes: You can pay for your purchases on instalment instead of at one go through the EasyPay Instalment plan or EasyPay Convert scheme. You can choose from tenures of 3 months to 3 years for single or multiple purchases amounting to P3,000. You don’t have to pay any interest rate on this deferred payment.
    • Online payment programmes: You can convert your online payments to monthly instalments through the Express Convert plan.
    • Utility bill payment: You can choose an auto-charge option to pay your utility bills such as water, electricity and phone, if you are in the habit of forgetting due dates. The bill will be paid automatically through your credit card if you link your utility bill accounts with the BDO card. You can also choose the Charge-On-Demand service through which you can charge your utility bills as per your requirements.
    • Credit card bill payment options: You can pay your credit card bills through any of the following methods:
      • At BDO Branch counters with cash or cheque
      • Through BDO eBanking
      • Via BDO Phone Banking at 631-8000
      • At SM Bills Payment counters

    Benefits of BDO Shopmore MasterCard

    You can avail the following attractive benefits if you get a BDO Shopmore MasterCard:

    • Free SM Advantage Card: Get a complimentary SM Advantage card with your Shopmore card. This will allow you to get special deals, discounts and sales previews at all affiliated SM stores.
    • Special rebates during SM's 3-day sale: You can get a 5% discount on minimum bills of P5,000 during the 3-day sale by SM. You also get an extra 10% discount if you make purchases during the first two hours on the first day of the sale if you have your SM Advantage Card with you.
    • Exclusive offers: The card gives you exclusive deals on online and offline shopping, dining, travelling and lifestyle products services.

    Rewards

    • With the SM Advantage Card, you can earn 1 point for every P200 spent at the outlets of SM Retail Affiliates and SM Advantage partners such as Petron and Taal Vista Hotel.
    • You get an extra 0.5 point on the SM Advantage Card on purchases made through the BDO Shopmore card.
    • You can redeem the cards at one of SM retail partners by presenting the SM Advantage card and the Shopmore credit card when paying the bill.

    Supplementary Cards

    With the BDO Shopmore MasterCard you can get supplementary cards for your family members. These supplementary cards are linked to your primary card, and all the benefits available to primary cards can be enjoyed by supplementary cards as well. The reward points gathered by the supplementary cards go into the primary card account, though. The total credit limit available on the primary card is shared with the supplementary card and supplementary cards do not get separate credit limit.

    Eligibility Criteria

    To be eligible for getting the BDO Shopmore MasterCard, you need to meet the following criteria:

    • You must be between 21 and 70 years old to be the primary cardholder and a minimum of 13 years old to be a supplementary cardholder.
    • You must be a Filipino citizen or a permanent resident of the Philippines for the last two years;
    • Your gross fixed annual income has to be at least P180,000.
    • You must be permanent employee or a self-employed person with a business that is at least two years old.
    • You must have at least one landline phone.
    • Your home or office address must be within an area near a BDO branch.

    Documents Required

    The following documents need to be presented by BDO Shopmore MasterCard applicants:

    1) For those who already have a credit card:

    • Latest credit card charge slip or latest credit card statement of account
    • Copy of the card-face of the existing credit card
    • Copy of at least one valid photo-identification document issued by an official authority. This includes:
      • Passport
      • Driver's Licence
      • Professional Regulations Commission (PRC) ID
      • National Bureau of Investigation (NBI) Clearance
      • Police Clearance
      • Postal ID
      • Voter's ID
      • Barangay Certification
      • Government Service Insurance System (GSIS) E-card
      • Social Security System (SSS) Card
      • TIN ID
      • Senior Citizen Card
      • Overseas Workers Welfare Administration (OWWA) ID
      • Seaman's Book
      • Alien Certification of Registration/Immigrant Certificate of Registration
      • Government Office (e.g. Armed Forces of the Philippines (AFP), Home Development Mutual Fund (HDMF)) IDs
      • Certification from the National Council for the Welfare of Disabled Persons (NCWDP)
      • Department of Social Welfare and Development (DSWD) Certification
      • Integrated Bar of the Philippines ID
      • Company IDs issued by the private entities or institution registered or supervised or regulated either by the BSP, SEC or IC
      • Copy of latest BIR Form 2316 signed by employer’s authorised representative for salaried persons
      • Copy of latest ITR and W4 with BIR stamp for self-employed persons

    2) For salaried applicants without a credit card:

    • Copy of latest BIR Form 2316 signed by employer’s authorised representative
    • Original Copy of Employment and Income (COEI) indicating status, length of service and compensation breakdown
    • Copy of the most recent salary slip
    • Copy of at least one valid photo-identification document issued by an official authority as above

    3) For self-employed applicants without a credit card:

    • Photocopy of Registration of Business Name
    • Photocopy of ITR for the last two years and W4 and BIR/Bank Stamp
    • Audited Financial Statements for the last two years
    • Bank Statements for the last three months
    • Copy of at least one valid photo-identification document issued by an official authority as above

    4) For foreigners who are permanent residents:

    • Copy of Employment Contract or Certificate of Employment
    • Letter from the Embassy (if you are an Embassy Official)
    • Photocopy of any one of the following:
      • Valid Passport with resident VISA
      • Work permit and valid visa
      • Special investor’s resident visa and visas issued by the Philippine Economic Zone Authority or visa with E0226
      • ACR or ICR or ICR-I

    Fees and Charges

    The following fees and charges apply on the BDO Shopmore card:

    Particulars

    Fee charged

    Membership fee for primary card

    P75 per month – waived for the first year

    Membership fee for supplementary card

    P50 per month – waived for the first year

    Monthly effective interest rate

    3.5%

    Minimum monthly payment

    3% of the Outstanding Balance or P200, whichever is greater

    Late payment fee

    5% of the Overdue Amount or P300, whichever is greater

    Cash advance fee

    5% of amount withdrawn or P300, whichever is greater

    Lost card replacement fee

    P400

    How to Apply for BDO Shopmore Card

    You can apply for the BDO Shopmore MasterCard online through the bank’s website. You will have to give your personal and contact details, income information and then upload the required documents.

    Alternatively, you can go to any BDO bank branch and make an application for credit card there.

    Lost/Stolen Card Liabilities

    BDO Shopmore MasterCards come with Lost Card Protection (LCP), under which the cardholder is not considered responsible for any fraudulent or unauthorised charges incurred on the card. But to avail the LCP feature, you need to report the loss or theft of the card to the BDO Customer Contact Centre as soon as possible. If the loss or theft is not reported, the cardholder will be liable to pay the bank the expenses incurred through the card even if the card was used by someone else and the signature was faked.


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