BDO Gold MasterCard and Promo

BDO Gold MasterCard Credit Cards

Interest Rate
3.25% per month
Annual fee
P2,400 First year waived Free for life for an annual spent of P180, 000
Promo & Features
  • Reward
Apply
Online
Inquiry
Tel
840-7000
Mail
callcenter@bdo.com.ph
Online
Visit inquiry page
  • Take advantage of the exclusive benefits of Dual currency billing.
  • Free Travel and Accident Insurance for your worry free travel whenever, wherever you go all around the globe.
  • Earn points as you spend, the more points you earn the greater rewards you can get.
  • Minimum monthly income : P35,000
  • Annual Fee for Supplementary holder : P1,200 First supplementary Free for life
  • Late payment charge : 7% of the overdue amount
  • more info
User Rating 4.1 (9 Reviews)
juaquin lindo lahat ng bagay madadaan niyan sa mga magagandang ngiti, tulad ko nadadaan ko lang ito sa ngiti kaya naman marami yong ...read more
Forum 4Threads (11 Replies)
ella may fee pa ba if magpapareplace ako ng card? or may replacement card pa ba just in case lang na mawala ko itong card ko? pano ...read more

Information

Reviews

Forum

Take advantage of the exclusive benefits of Dual currency billing.

Get two separate billings statements for your added convenience, have a Peso and Dollar account in one card, local transactions will be billed in Peso while online or international transactions will be billed in Dollars.

Free Travel and Accident Insurance for your worry free travel whenever, wherever you go all around the globe.

Just by purchasing your travel ticket with your Credit Card, Get to travel with a peace of mind knowing that you are insured up to P 5million in Travel and Accident Insurance.

Earn points as you spend, the more points you earn the greater rewards you can get.

Reward yourself with exciting reward items just by purchasing your wants or daily needs you get to earn 1 point for every P50 spent and exchange points from exciting rewards selections in the BDO Credit Card Points Redemption catalogueue

Basic Information

Card name

BDO Gold MasterCard

Bank

BDO

Brand

Master

Type

Premier

Fees and charges

Interest rate (per month)

3.25%  per month

Annual fee

P2,400  First year waived Free for life for an annual spent of P180, 000

Annual Fee for Supplementary holder

P1,200
First supplementary Free for life

Minimum Payment

3% of total amount due or P200/ USD 5 whichever is higher, or 3% of installment amortization; Overdue Amount; Over-limit Amount

Credit Limit

Late payment charge

7% of the overdue amount

Cash advance limit

Cash advance handling fee

5% of amount withdrawn or P500 / US$10, whichever is higher

Cash advance interest charge

Overseas spending fee

Assessment fee of 1% plus service fee of 1.5% of the converted amount

Payment Channels and Fees

BDO Branch Counters
BDO eBanking
BDO Phone Banking.
BDO Call Center
SM Bills Payment Counters

Installment Plan

Easy Pay Installment, 0% interest in partner stores and chose from a variety of payment terms
Easy Pay Convert, No installment plan available at your favorite store? with Easy Pay Convert you can request for installment payment scheme for your favorite store

Sales Slip Retrieval Fee

P300 for each sales slip retrieved for Local transactions or P500 for each sales slip retrieved for International transactions

Replacement/Lost card fee

P400

Returned Check Fee

P1,250 or US$35 per returned check / insuficient ADA account

Eligibility

Minimum monthly income

P35,000

Minimum age for Principal holder

must be 21 to 70 years old

Minimum age for Supplementary holder

At least 13 years old

Promo & Features

Cashback

Reward

P50 spent = 1 point
  • Earn one (1) point for every P50 charged to your BDO Credit Card and exchange your points for exciting rewards selections in the BDO Credit Card Points Redemption Catalogue

Mileage

Shopping

Transport Accident Insurance/ Travel Insurance

Get up to P 5 million worth in Travel Accident with Inconvenience benefits

Purchase Protection

Virtual Card - the Virtual Card is a credit card designed exclusively for use in the Internet; it has a different card number from your regular BDO credit card to protect your regular card number and credit line.

Others

Charge your bills at your convenience with Charge on Demand and Auto Charge
Have separate bills/ dual currency for peso and dollars

Reviews of BDO Gold MasterCard

User Review : 9Reviews

Design 4.0
Fees & Charges 4.1
Customer service 4.0
Features 4.2
Total 4.1

juaquin lindo

happy to have these card

lahat ng bagay madadaan niyan sa mga magagandang ngiti, tulad ko nadadaan ko lang ito sa ngiti kaya naman marami ...Read more

  • Rating : 5.0
  • Date : Oct 18, 2019
  • Review by juaquin lindo

praphy

Hindi maganda ang services

maraming nagsasabi na maganda ang bdo, e ako naman ang tingin ko sa bdo di siya ganun kaganda, mayabe marami lang ...Read more

  • Rating : 3.0
  • Date : Sep 12, 2019
  • Review by praphy

liezl banggod

it was truly nice bank.

these bdo was truly nice talaga, grabe ang services nila very efficient nga naman di ko lang alam kong bakit ...Read more

  • Rating : 4.3
  • Date : Aug 7, 2019
  • Review by liezl banggod

Forum of BDO Gold MasterCard

ella

may replacement fees of cards?

may fee pa ba if magpapareplace ako ng card? or may replacement card pa ba just in case lang na mawala ko itong card ko? pano yon kapag ganun ang mangyari?. pero ito nag-aadvance lng talga ako kung saka-sakali lang naman na mawala kasi di nmn natin alam ... Read more

  • Last updated : Oct 25, 2019
  • Posted by ella
  • Replies of This topic : 2 Replies

Kflores5K

Better card?

Hello good afternoon, Im just asking if may ano po bang mas better na gagamitin na card? Debit or credit card? Diba po ang debit card is your personal savings and then yong credit card is exclusive for lending money from the bank? Am I right po? So sa ... Read more

  • Last updated : Nov 19, 2019
  • Posted by Kflores5K
  • Replies of This topic : 2 Replies

dee. joseph

i can't understand

mag shishare lang po ako sa card nato. after kung makapag apply dito sa bdo nafigure out ko yung services nila mga within a months yung nakalipas kasi. akala ko yung bdo is okay siya i mean their services , transactions, kasama na riyan ang interest. but ... Read more

  • Last updated : Apr 8, 2019
  • Posted by dee. joseph
  • Replies of This topic : 3 Replies

tessie.adriano

How to avail this card

Kapag ba may ganito akong card, may interest bato? maraming points ba yung makukuha dito? Kasi as far as I know BDO is one of the most efficient and easy transactions because of their excellent performance in terms of dealing good services to their ... Read more

  • Last updated : Oct 25, 2018
  • Posted by tessie.adriano
  • Replies of This topic : 4 Replies

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Information

Reviews

Forum

Overall Rating

Design 4.0
Fees & Charges 4.1
Customer service 4.0
Features 4.2
Total 4.1

Please feel free to post your review on this product.

Write a Review

juaquin lindo

  • Review by juaquin lindo
  • Oct 18, 2019
Design 5.0
Fees & Charges 5.0
Customer service 5.0
Features 5.0
Total 5.0

happy to have these card

lahat ng bagay madadaan niyan sa mga magagandang ngiti, tulad ko nadadaan ko lang ito sa ngiti kaya naman marami yong blessing na nakukuha ko today, sana nga magtuloy-tuloy narin yong success ko kasi alam kung meron pang darating na blessings. alam mo kung ano talaga ang nagpapangiti sa akin?.. itong bdo bank , dami kasi silang iooffer sayo tapos may promos pa ang dami tapos safe and secured yong money mo sa kanila. makakaloan ka pa basta yan yong dahilan kong bakit marami akong blessings ngayon. isa si bdo bank ang nagpahappy sa akin and ang dami ko ng naipon, may savings nga ako dalawa din yong cards ko sa kanila.

Good Review

praphy

  • Review by praphy
  • Sep 12, 2019
Design 3.0
Fees & Charges 3.0
Customer service 3.0
Features 3.0
Total 3.0

Hindi maganda ang services

maraming nagsasabi na maganda ang bdo, e ako naman ang tingin ko sa bdo di siya ganun kaganda, mayabe marami lang silang mga bdo promos para sa customers nila but the fact is mas malaki yong mga charges nila at the same time maliit then yong mga points nabinibigay nila sa customers .. ang dami nilang cards noh pansin niyo, parang pakulo lang yan para mas maging loyal yong mga customers sa kanila. may mga bdo card reward sila pero kung iisipin niyo mas maganda naman sa other branks diba., mas marami lang ang endorser kaya napa-amo nila ang mga tao pero ako di ako sa bdo i choose eastwest bank.

Good Review

liezl banggod

  • Review by liezl banggod
  • Aug 7, 2019
Design 4.0
Fees & Charges 4.0
Customer service 4.0
Features 5.0
Total 4.3

it was truly nice bank.

these bdo was truly nice talaga, grabe ang services nila very efficient nga naman di ko lang alam kong bakit sobrang strong ng foundation ng company nila. Pero as I think super love the bdo talaga, The services is well good for me even sa kahit na anong tao ganyan din ang sagot nila. Thats why bdo was growing nicely. Wala paring tatalo sa bank nato, kahit san ka man magpunta bdo is widely open it was so so nice talaga, guys kung may balak kayo na maging card holder rin sa bdo just tell me kasi i have the idea of some of their requirements..

Good Review

Eunice Margot

  • Review by Eunice Margot
  • Jul 26, 2019
Design 5.0
Fees & Charges 5.0
Customer service 5.0
Features 5.0
Total 5.0

Great card

Gusto ko ang card na ito dahil sa mga points na narerecieve ko. Nagbigay din sila sa akin ng generous credit kaya nakatulong ito sa akin na ma-bumped yung credit utilization ko nang 30 percent. Ang isang downside nga lang ay ang tagal bago ma-post ang points ko. HIndi kaagad available unlike sa isang credit card ko na nagre-reflect kaarad ang cashback nang mabilis. Overall, I like this card and it's great.

Good Review

Chona Gonzales

  • Review by Chona Gonzales
  • Jul 10, 2019
Design 3.0
Fees & Charges 3.0
Customer service 3.0
Features 3.0
Total 3.0

No credit limit increase yet

Okay ang card na ito para sa mga beginners pero kapag nag-e-expect ka ng pag increase ng credit limit ay parang imposible. Halos dalawang taon ko nang ginagamit ang card na ito pero hindi man lang ako nakakaroon ng increase sa credit limit ko. Meron pa akong tatlong card at lahat yon ay nagkaroon na ako ng increase sa cl ko. Nakausap ko na rin ang customer service nila pero hindi pa raw ako qualified for increase. :-(

Good Review

xandra

  • Review by xandra
  • Jun 14, 2019
Design 3.0
Fees & Charges 4.0
Customer service 4.0
Features 5.0
Total 4.0

overdue/high rate

nagkaroon ako ng overdue talaga sa credit loan ko dito. Alam niyo ba guys kapag late payment na and nagoverdue kapa. grabe ang laki ng interest rate na ibibigay nila sayo kapag ganun nga late payment kana. Ang interest rate of percentage ay 7% rate mga inday and indoy. Sobrang laki kaya naman I just realized it, from now on I can be a good payer na kasi ayaw ko ng magkainterest or mababayad ng ganun ka laking halaga. lesson learn ito para sa atin na mahilig magbayad ng pahuli talaga. Sana kayo rin marealize niyo ito as soon as early talaga kasi maganda pa naman ang bdo services. and ayaw kong bitawan ito.

Good Review

lisa sarmiento

  • Review by lisa sarmiento
  • May 22, 2019
Design 4.0
Fees & Charges 4.0
Customer service 4.0
Features 4.0
Total 4.0

Prefer to say ok

okay din nmaan ang systema ng bdo , still sticking parin ako sa bank na to kahit mejo not very effective minsan ang mga transactions nila because they find ways namn to get their customers/clients really satisfied with.. And malaki din yong interest nila kaya so maganda rin siya so far. kayo kung gusto niyo ng ganito ayos rin naman siya

Good Review

dianmesio

  • Review by dianmesio
  • Feb 20, 2019
Design 4.0
Fees & Charges 4.0
Customer service 4.0
Features 4.0
Total 4.0

not necessarily I own it

maganda siya so far, but not necessarily na magaavail ako ng ganitong klasing card kasi nga Im in a product of Security Bank kasi so I think maganda naman yung services nila and look at them sobrang malakas yung cards nila and as well as their customer service is really good at all. But I'm in a security bank kaya naman stay kasi ako in one side. Basta sakin only BDO and Security bank looks very nice card for me.

Good Review

Nicole Espinosa

  • Review by Nicole Espinosa
  • Nov 28, 2018
Design 5.0
Fees & Charges 5.0
Customer service 4.0
Features 4.0
Total 4.5

napaka-efficient payment to

Ang ganitong master card maraming nagagawa kasi nga sobrang napaka flexible nitong gamitin when it comes to buy something from the mall kahit anong pang bilhin mo pwedi mo naman itong gamitin pang bayad kasi sa lahat ng mall ang SM yong tumatanggap ng ganiting payment may iba din wala pero halos naman yata ng mga department store supermarket or what so ever na mga seller may ganitong payment na nangyayayri. Maganda naman yong credit card just in case na naiwan yong pera mo pwedi itong gamitng efficiently. kasi nung time na naiwan ko yong pero ko is may credit card ako bat di ko gamitin diba? So whats the use kung hindik ko rin naman papakinabangan.

Good Review

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Information

Reviews

Forum

Please feel free to post your questions on this product.

Start a new topic

may replacement fees of cards?

ella

  • ella
  • Jul 29, 2019

may fee pa ba if magpapareplace ako ng card? or may replacement card pa ba just in case lang na mawala ko itong card ko? pano yon kapag ganun ang mangyari?. pero ito nag-aadvance lng talga ako kung saka-sakali lang naman na mawala kasi di nmn natin alam ang bawat oras and di natin minsan namamalayan na may nawala napala. may mga ganyang bagay kasi ee so sa aki nag-aadvance alng ako.

arn

  • arn
  • Jul 30, 2019

kahit saan naman po kayo magkuha ng card meron naman talaga yang mga replacement fee napakaimpossible naman kasi if wala yong fees. kahit nga sa government na mga I.D's e meron parin namang fees. kapag nawala mo or accidentally na nawala lang may replacement fee parin naman. hinding-hindi po ya nawawala ng basta basta kasi parang yan nalamanag din niyong profit nila . sa pagkaka-alam ko lang naman po yan ha pero totoo yong sinabi ko kahit itanong mo pa yan sa mga kapit-bahay niyo na nawalan ng cards or kahit na iba't-bang kahit hindi sa credit or debit may fees parin

Good Answer

george lista

  • george lista
  • Oct 25, 2019

wala naman po ata siguro yon more on documents lang po talaga tapos po isubmit mo lang sa kanilang branch. yan ang alam ko lang, pero fees po wala pa silang ganun.. dapat hindi mo walain yong mga documents mo sa kanila kasi yan yong importante kapag may renewal na mangyayari or replacement nga kasi ang hirap talaga kapag nawalan ka ng documents specially talaga kapag importante ito, naku nakakapagod pa namang pumili yan yong mahirap talaga. dapat ganun po tayo, tsaka ako kapag may mga idedeposit nga ako yong duuplicate slip kinikeep ko just in case of emergency lang.

Good Answer

Reply

Better card?

Kflores5K

  • Kflores5K
  • Jun 18, 2019

Hello good afternoon, Im just asking if may ano po bang mas better na gagamitin na card? Debit or credit card? Diba po ang debit card is your personal savings and then yong credit card is exclusive for lending money from the bank? Am I right po? So sa dalwang card na tinutukoy ko alin po ba jan ang mas better mag avail sa card na ito.?

cat

  • cat
  • Jul 24, 2019

para sa akin good naman yong dalawa pero mas good kung debit para di ka magkautang sa banko, mas maganda kasi kapag may personal savings ka ee. kesa sa uutang kapa sa banko .. pero mas malaki lang ang advantage sa credit card kasi may mga other promo naman yan sila kaya marami ring nagccredit talaga. mahilig kasi ang pinoy sa utang dito utang roon .. e ako ayaw ko ng ganung systema gusto ko lng nang may marami akong savings .. pero di naman maiiwasan talaga ang mangutang ka kapag gipit na gipit ka na ako may utang ako pero di masyadong malaki ang uutangin ko. basta sa akin debit ka nalang madali mo naman yang mapaparami ang pera mo kapag nagddeposit ka na sa banko depende sa yo yan if anong araw .

Good Answer

biboyet

  • biboyet
  • Nov 19, 2019

i suggest mag debit card ka nalang para malaman mo kung gaano ka safety jan ang pera mo, just to make sure na ang banko na aavailan mo is bdo kasi kapag bdo talaga sobrang napakaganda ng services , may security talaga ang pera mo , kagaya rin nang karamihan marami ang nag bdo bank kesa sa other brands, mas sobrang nakakaganda , nakaka-anggat ang company nila ngayon mas naging progressive na kasi sila talaga. I suggest po maam bdo po talaga yan kasi ang bdo ang naavailan ko eh kaya bdo ka nalang mas mabuti pa yon,

Good Answer

Reply

i can't understand

dee. joseph

  • dee. joseph
  • Nov 14, 2018

mag shishare lang po ako sa card nato. after kung makapag apply dito sa bdo nafigure out ko yung services nila mga within a months yung nakalipas kasi. akala ko yung bdo is okay siya i mean their services , transactions, kasama na riyan ang interest. but ganon, nagtaas bigla yung interest ng wala man lang infromation na natanggap ko? how come na nangyario lahat yon? dapat binigyan nila kami ng kaunting kaalam regarding sa pag increase ng interest? every year ba silang nagtataas ng interest? or sadyang ganyan lang talaga yung systema nila? hindi ko gets e!

Hyunik

  • Hyunik
  • Nov 29, 2018

palagi nilang sinasabi na pangit talaga yong systema daw ng BDO bukod sa hindi efficient yong services nila e mas malaki naman daw yong interest tsaka charges. YAn kasi parati nakikinig ko sa mga user nito pero hanggang ngayon yng mga users ng BDO card e still doon parin sila nagkukuha ng attention sa BDO company. Ewn ko sakanila kung oangit yong services bakit yong mga tao mismo e doon parin nakiki avail? Tapos May advertisement nga sa BDO kung pangit yong services nila. Hidni ko maintindihan minsan yong mga tao.

Good Answer

shiela liowes

  • shiela liowes
  • Feb 26, 2019

tama! ,sa pagkakalam ko and as far AS i know maganda naman yong laht nung mga transactions cards nila kaya nga may nga kung sa commercial pa nila BDO is we find ways,,, jajajaj and hanggang sa makta mo yong pinakmost best sa BDO trans nila. promise di ka naman scam sa kanila kasi yong mukha ng mga bank teller dsun is faithful, trusty, safety, pang pro na face i mean professional sila kaya may security laaht ng mga idedeposit mo ronn ano ka ba naman jejeje

Good Answer

siera

  • siera
  • Apr 8, 2019

para naman sa akin is wala paring pinagbago ung bdo ehh. masyadong mabagal ang transactions nila or mabagal ang withdrawal ng machine nila parating may sabit.. dapat kasi tinitake action nila yon ng admin mismo kasi lahat ng mga customers nila kasi may emergencies and then kailangan nila ng urgent money. so paano yan if yong machine nila is may problema sa pagwithdraw ng pera..diba? guys i dont know kung may nakakaalam rin nito..

Good Answer

Reply

How to avail this card

tessie.adriano

  • tessie.adriano
  • Sep 19, 2018

Kapag ba may ganito akong card, may interest bato? maraming points ba yung makukuha dito? Kasi as far as I know BDO is one of the most efficient and easy transactions because of their excellent performance in terms of dealing good services to their customer's needs and concern. Kaya napaisip ako na gusto kung mag-avail ng ganitong card. I am looking to hear from you.

Lou Lou Lumarang

  • Lou Lou Lumarang
  • Oct 3, 2018

lahat po ng credit card magkaka interest once hndi mo ito nabayaran ng buo kapag ginamit mo. May mga credit card na earning points meron din naman na hndi so iba iba po yun. Okay talaga gumamit ng credit card, temptation ito kasi hndi mo naman pera ito bgay ng banko kaya easy money kaagad ito kapag ma approve kayo. Hndi dn ganoon kadali maapprove unless may complete requirements ka.

Good Answer

jayson t. dela fuentes

  • jayson t. dela fuentes
  • Oct 3, 2018

for me BDO is not the best, laki ng interest nila, Maybank 2.5% lang naman, kilala na kasi ang BDO kaya mdami na itong perks na maeenjoy mo after using the card. pero yun lang yun.

Good Answer

Mario Raul

  • Mario Raul
  • Oct 9, 2018

Oo nga, I agreed with what she said sa tingin ko naman po may interest siya but not that much naman nakadepende yan kung paano mo ginamit yung pera na bigay ng banko. Yearly naman po magkakaroon ka ng multiple points if you gonna deal with the bank transaction. But you have to be constant to them I mean you have to stick around with them because as far as I know naman they're strictly perform such transactions you have just in case there's a negotiation involves po.

Good Answer

marion G.

  • marion G.
  • Oct 25, 2018

That's right, I also agree with you. Every year yan sila nagbibgay ng updates patungkol sa mga naearn niyong points kung meron po ba kayong multiple points at ibibigay po nila yan on time. Every bank meron talaga yan silang mga interest tsaka charges kasi for me talks about negotiation to e I mean the world of business to in order for them na makakakuha ng profit, kasi pangit kung hindi organize or settle ng agreement or transactions between the client and the owner. Wala naman po sigurong ganun malulugi ka talaga sa negosyo kung hindi ka marunong maghandle ng business.

Good Answer

Reply

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