• BDO Visa Platinum Card

    BDO Visa Platinum
    Credit Card
    Annual Fee
    Reward type
    BDO Visa Platinum
    Annual Fee:
    Free for 1st year
    Reward type:
    Travel, Insurance, Shopping, Utilities and Premium

    Overview of BDO Visa Platinum Credit Card

    BDO is one of Philippine’s top banks and has a spate of banking products to offer, with credit cards being one of them. Among its diverse credit card offering, the BDO Visa Platinum Credit Card is one of the most popular and sought after cards for many a reason. From allowing customers to earn reward points on shopping, insurance premiums and utilities to offering some great discounts periodically, the card is a must-have if you wish to bring in an enhanced element of joy and convenience in spending. The card is particularly known for its travel features, allowing customers to earn attractive discounts on flight ticket bookings and travel deals. Reward points earned can be converted into air miles – a primary feature that makes the BDO Platinum Credit Card quite impressive indeed!

    Features and benefits of the BDO Visa Platinum Credit Card

    • Instalment Payment Options
      • The card lets you convert your purchases and payments into flexible instalment payment options. Monthly repayment options can stretch from 3 months to 36 months, depending on the size of transactions made. In order to convert payments into Flexible monthly payments, you can get in touch with the bank and get your purchases converted.
    • VIP Airport Lounge Access
      • With the BDO Visa Platinum Card, you can now add an extra bit of convenience, comfort and pleasure – the BDO Visa Platinum Card gives you access to VIP lounges at over 300 airports, both domestic and overseas.
      • This exclusive feature is applicable if you use your card to make flight ticket bookings or hotel reservations for a minimum of P50,000. This will give you 6 complimentary Lounge Accesses in a year. A minimum of P20,000 has to be spent in a single receipt in order to benefit from this offer.
    • Privileged Visa Access
      • The BDO Visa Platinum Card gives you privileged Visa Access that includes access to 500 golf clubs across the world – these golf clubs are members only.
      • You get exclusive benefits at Duty free shops – this is applicable to select destinations.
      • You also get access to exclusive services including the Airport Transfer Service and the Meet-and-Assist Service.
    • Annual membership
      • The annual membership is waived for the first year for the primary card. The supplementary card does not attract a membership fee – it is a lifetime free card.
    • Concierge service
      • Customers can access the 24/7 Visa Concierge service, another benefit that is unique to the BDO Visa Platinum credit card.
      • With the concierge service, customers can get real-time information on hotel bookings, flight ticket bookings, car rentals, travel arrangements and other emergency services.
    • Discounts on purchases
      • As a cardmember, you get periodic discounts on dining, entertainment, shopping and online deals. You can also earn reward points on your purchases and redeem them for some really exciting offers.


    You can earn reward points for every P20 you spend using your card on a wide range of purchases including shopping, utility payments, insurance premium payments and travel bookings.

    Insurance offered by the cards

    • The card offers a comprehensive travel insurance cover to customers. This insurance cover holds good if payments towards flight tickets bookings and travel accommodations are made using the card.
    • The cardholder is covered for a sum of P20 Million. The insurance covers accidental death, permanent disability and any travel related accidents that result in loss of property or life.

    Eligibility criteria to apply for the BDO Visa Platinum Credit Card

    • Applicants have to be over 18 years of age.
    • The applicant has to meet the minimum income criteria as specified by the bank.
    • Documents requested by the bank need to be submitted.

    Documents Required

    • Income documents - latest computerized payslips, employment certificate.
    • Taxpayer Identification Number.
    • Bank statements for the last 3 months.
    • Statement of Income Tax Return Filing.
    • Proof of identity.
    • Passport (in case of foreigners).
    • Employment certificate and employment letter obtained from the employer (in case of foreigners).

    Fee Details and Charges

    Monthly Interest Rate (Effective Interest Rate)


    Minimum amount due every month

    3% of the outstanding balance for the month

    Late payment charges

    5% of the outstanding balance, or P300, whichever is higher.

    Annual card membership fee


    Lost card replacement charges


    Cash advance fee

    5% of withdrawn amount or P300, whichever is greater.

    Card Security

    BDO credit cards have an impressive security infrastructure for transactions performed both online and offline. Offline transactions (physical transactions that require customers to swipe their cards at merchant terminals) will only be approved upon authorisation through the customer’s secure pin. For any transaction to be successful, the authentication pin needs to be entered at the POS machine.

    In case of online transactions, customers are required to enter their card details - this includes the card number, card expiry date and the Card Verification Value, following which a One Time Password (OTP) will be sent to the customer’s registered mobile number to authenticate the transaction. Customers can also choose to alternatively set an e-secure pin/password, which needs to be entered in order to authenticate and complete the online transaction.

    All online transactions need to be authenticated with the One Time Password or the secure pin in order to be successfully processed. Entering the wrong password or pin will result in the rejection of the transaction, whether the transaction is performed offline or online.

    How to apply for the BDO Visa Platinum Credit Card

    If you want to apply for the BDO Visa Platinum card and add more excitement to your life, you can simply visit the BDO website and fill out the online credit card application form. You will also have to submit your relevant documents to the bank. A representative form BDO will contact you for any further details if they may be required and confirm the processing of your application. Once the bank approves your application, you will receive the credit card in a matter of 7-10 working days.

    Reporting lost/stolen cards

    You can report the loss or theft of your credit card by contacting the bank’s Customer Service Number at 1-800-10-6318000. In case of theft, you might be required to file a report at the nearest police station and submit a copy of the report. The bank’s representative will ask you for your card details and information regarding recent transactions performed using your card. Once the information is verified, you credit card will be blocked.

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