BDO Visa Classic and Promo

BDO Visa Classic Credit Cards

Interest Rate
3.50% per month
Annual fee
P1,500 First year waived
Promo & Features
  • Mileage
  • Reward
  • Shopping
Apply
Online
Inquiry
Tel
840-7000
Mail
callcenter@bdo.com.ph
Online
Visit inquiry page
  • Earn points as you spend, the more points you earn the greater rewards you can get.
  • Affordable and hassle free payment options for your financial flexibility.
  • Minimum monthly income : P15,000
  • Annual Fee for Supplementary holder : P750 First year waived
  • Late payment charge : 7% of the overdue amount
  • more info
User Rating 3.7 (10 Reviews)
leonel mae Paulit-ulit nalamang kayo sa bdo mag landbank nalang kayo much better pa sana ang ganda ng services nila kasi sa lanbank ...read more
Forum 5Threads (12 Replies)
loves pwedi naman siguro tong magamit for travelling abroad noh? ano sa tingin niyo? kasi diba marami namang mga card ngayon ang ...read more

Information

Reviews

Forum

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, get to earn 1 point for every P50 spent, use your points to waive your Monthly or Annual Membership Fees or exchange points from exciting rewards selections in the BDO Credit Card Points Redemption catalogue.

Affordable and hassle free payment options for your financial flexibility.

Get a chance to choose from, easy to pay longer payment terms or 0% interest Installment payment plans for your purchases, manage your payments in your convenience while enjoying the privileges you deserve.

Basic Information

Card name

BDO Visa Classic

Bank

BDO

Brand

VISA

Type

Standard

Fees and charges

Interest rate (per month)

3.50%  per month
2.50% per month (Dollars)

Annual fee

P1,500  First year waived

Annual Fee for Supplementary holder

P750
First year waived

Minimum Payment

3% of total amount due or P200/ USD 5; 3% of installment amortization or overdue amount, whichever is higher

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5% of amount withdrawn or P500 / US$10, whichever is highe

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 / insucient ADA account

Eligibility

Minimum monthly income

P15,000

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 1 rewards point for every P50 spent and redeem points from exciting rewards or use them to wave your annual membership fees.

Mileage

Earn 20% extra miles at Kaligo.comm
  • Earn up to 10,000 miles per night on every hotel stay year round at Kaligo.com.
  • Plus, get 20% extra miles when you use your BDO Visa Credit Card!

Shopping

Free Soleus, Puma, or Ferrari Watch
  • Get a FREE Soleus, Puma or Ferrari Timewear when you spend at least P20,000, P35,000 or P45,000 with your new BDO Visa Classic Credit Card!

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

Reviews of BDO Visa Classic

User Review : 10Reviews

Design 3.9
Fees & Charges 3.6
Customer service 3.5
Features 3.7
Total 3.7

leonel mae

Mag landbank nalang kayo guys

Paulit-ulit nalamang kayo sa bdo mag landbank nalang kayo much better pa sana ang ganda ng services nila kasi sa ...Read more

  • Rating : 2.0
  • Date : Sep 11, 2019
  • Review by leonel mae

steffano

Well, good services and Yes!

lahat naman siguro ng cards I mean credit cards is may mga iba't-ibang promo package, and earning points so I ...Read more

  • Rating : 5.0
  • Date : Aug 8, 2019
  • Review by steffano

Dora

delayed payment

ako nalate talaga ako ng pagbayad kaya naman ang overdue payment percentage ko is umabot sa 7% na. mejo malaki ...Read more

  • Rating : 3.5
  • Date : Jul 18, 2019
  • Review by Dora

Forum of BDO Visa Classic

loves

Discounted ba?

pwedi naman siguro tong magamit for travelling abroad noh? ano sa tingin niyo? kasi diba marami namang mga card ngayon ang pweding gamitin ang ganitong credit card going to other places? mas makakaless ba if ito ang gagamitin basta for the travel goal ... Read more

  • Last updated : Oct 23, 2019
  • Posted by loves
  • Replies of This topic : 2 Replies

hao renie

What's the difference between the three cards?

anong kaibahan nong sa visa, mastercard, tsaka jcb? may mga different usage ba itong tatlong malulupet na card worldwide?/...sabihinan niyo ko please para naman makakuhan a akong ng ganitong card.. ang nasaisip ko kasi is ang visa exclusive for abroad ... Read more

  • Last updated : Nov 18, 2019
  • Posted by hao renie
  • Replies of This topic : 1 Replies

T____T

Open New Account

To make things clear to you. I found something good news para sa BDO member ng bank nato. May maeearn kang maraming points kapag nag-avail ka sa bank nila or magpapamember ka sa kanilang bank. Mag aavail na nga ako, I'm ready to avail their services ... Read more

  • Last updated : Jul 23, 2019
  • Posted by T____T
  • Replies of This topic : 1 Replies

Dora

The big interest

Lahat nalang asang asa sa mga magagandang naiidudulot ng card nato. Kung alam niyo lang na sobrang laki ng interest nito, kasi dun kulang nalaman nung time na hindi ko nabayaran yong 2 months due date ko sa loan tapos hindi ko maimagine na nag increase ... Read more

  • Last updated : Apr 12, 2019
  • Posted by Dora
  • Replies of This topic : 3 Replies

gerard

have installation

Kapag ba card ng BDO yung ginamit ko efficient ba yung transactions nito? Tapos How to avail of installment offers from partner merchants nationwide? Marami ba akong selection of special online promos and offers? Makakapag-enjoy savings ba ako from a ... Read more

  • Last updated : Feb 26, 2019
  • Posted by gerard
  • Replies of This topic : 5 Replies

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Information

Reviews

Forum

Overall Rating

Design 3.9
Fees & Charges 3.6
Customer service 3.5
Features 3.7
Total 3.7

Please feel free to post your review on this product.

Write a Review

leonel mae

  • Review by leonel mae
  • Sep 11, 2019
Design 2.0
Fees & Charges 2.0
Customer service 2.0
Features 2.0
Total 2.0

Mag landbank nalang kayo guys

Paulit-ulit nalamang kayo sa bdo mag landbank nalang kayo much better pa sana ang ganda ng services nila kasi sa lanbank din yong atm card ko ee. Iwan bakit mas naging progressive and standard itong bdo nato ee yong services nila di naman gaano ka ganda. Mas maganda pa nga ang landbank para sa akin ee kasi under government yong services nila tapos fast and easy money lang. Di ka mappressure sa card mo tas maliit lang din yong mga charges nila di kagaya ng bdo ang lalaki tapos konti lang yong mga promo package nila. Maliit lang ang matatanggap mo/

Good Review

steffano

  • Review by steffano
  • Aug 8, 2019
Design 5.0
Fees & Charges 5.0
Customer service 5.0
Features 5.0
Total 5.0

Well, good services and Yes!

lahat naman siguro ng cards I mean credit cards is may mga iba't-ibang promo package, and earning points so I guess comment ko nalang dito maganda itong card nato, in general in all their services good para sa akin., wala akong nakitang mali sa serivces nila it was good, nice communicating to their clients, efficient and sufficient money transactions,..so I think nothing can be compared about their services. As long as good payer ka sa banko, kasi ako good payer ako I'm responsible of such obligations sa banko thats the good thing kapag part ka sa banko.

Good Review

Dora

  • Review by Dora
  • Jul 18, 2019
Design 3.0
Fees & Charges 4.0
Customer service 3.0
Features 4.0
Total 3.5

delayed payment

ako nalate talaga ako ng pagbayad kaya naman ang overdue payment percentage ko is umabot sa 7% na. mejo malaki laki narin ang interest talaga kaya naman oblige ko talagang binayaran iyon. and pagkatapos iyon another utang na naman ako sa banko pero kahit ganun iyon na naoverdue ang pagbayad ko nito at least nabayaran ko parin yon. pero kahit ganun paman uutang parin ako and babayaran ko na sa tamang araw na para di na ako makabayad pa sa interest kungbaga lesson learn nalang yon sa akin pa para sa susunod aware naku sa interest and hindi na ako magkaoverdue pa.

Good Review

jaykel

  • Review by jaykel
  • Jul 15, 2019
Design 4.0
Fees & Charges 4.0
Customer service 4.0
Features 4.0
Total 4.0

spending so much money

kapag nagspend ka ng maraming pera im sure maraming darating sayo na blessings,.. and kapag ganun yong mangyari syempre marami kang makokohang points kagaya ng sa amin kasi matagal tagal narin kasi kaming nakaavail sa bank and may card na kaming ganto and also debit rin...pero hindi yon ganon ka simple paghihirapan mo pa yan before kang makakaipon ng maraming points.. basta alamin niyo nalang if meron na kayong card na debit tsaka credit.

Good Review

irish castellano

  • Review by irish castellano
  • Jun 18, 2019
Design 4.0
Fees & Charges 3.0
Customer service 3.0
Features 3.0
Total 3.3

Low interest rate

Maliit lang naman yong interest rate nila pero still workable parin naman yong account nito . sa katunayan nga e may ganito na akong card kaso ngalang. May problema ako kasi nga nagoverdue na ako sa payment ko and I think yong yong dahilan kung bakit konti nalang yong pera ko. Nagkataon lang kasi na nangyari iyon kasi nga parang naghirap kami that time kaya di ko nabayran and nagoverdue nga ako. Ang laki ng fees and charges nila kapag di ka nakapagbayad ng sakto. Pero considering naman na good parin ang bdo kahit papano ako lang yong di good e pagpasensyahan niyo na.

Good Review

jarred

  • Review by jarred
  • May 28, 2019
Design 4.0
Fees & Charges 2.0
Customer service 2.0
Features 2.0
Total 2.5

no more points received.

buti pa sila maraming nang points pero ako di parin ako nakakatanggap ng points ko., good payer naman ako abt kaya ganun yong nangyari sa credit card ko. ano kayang dapat ganun di panamn rin kasi ako nagtatanong kung bakit mabilis nilang nakuha yong maraming points nila. buti pa sila ako nito walang naani kahit isang points man lang. bakit ganun po , may paki paba sila or not? hayysss..

Good Review

angelina loren

  • Review by angelina loren
  • Apr 11, 2019
Design 5.0
Fees & Charges 4.0
Customer service 4.0
Features 5.0
Total 4.5

i got my first point

unang buwan palang may naipon na akong points ang syaa naman pag may ganito kang card kasi buwan buwan may tendency kasi na marmi kang maiipon na points ang additional na mga promo or offeran ka nila ng mas maganda pang transactions sa card mo. maganda tlaga pagbdo member ka theres no place like home nga naman talaga ako. bumibisita lang ako sa ibang bansa para magig turista don using may bdo credit card. sarap talaga kapag may ganito kang card. kung magiging isang magandang halimbawa ka bilang isang customer dapat kasi maging fully loyal tapos good payer din.

Good Review

stellasua

  • Review by stellasua
  • Feb 14, 2019
Design 4.0
Fees & Charges 4.0
Customer service 4.0
Features 4.0
Total 4.0

amazing for everything

this card is really an amazing cards for me kasi kahit to go out of somewhere even you gonna go to the other country, still you gonna use it as fast as easy transactions lalong lalo na sa mga foods and restaurant you gonna come. you can enjoy all the time kapag kasa kasama mo ang debit card na ganito or kahit ano pang debit card na yan basta BDO they find ways to make you happy and contented . /'.;and im really happy kasi im one of become a successor soon

Good Review

Riya

  • Review by Riya
  • Nov 26, 2018
Design 4.0
Fees & Charges 4.0
Customer service 4.0
Features 4.0
Total 4.0

accurate price, great

NAku guys marami ng gumagamit nito na card kasi nga sabi nung iba na ayos daw tong gamitin and sa tingin ko maayos din yung services nila. bukod sa marami silang mga customers ee may bago silang ni labas na cards and ito na ngayon, ito yung sinasabi ko sa inyo na minsan ko narin ginamit and effective nga ksi maliit lang yung interest nito and ookay lang din yung annual fees na babayaran yearly, something like very accurate lang yung presyo.

Good Review

ELIJAH

  • Review by ELIJAH
  • Sep 19, 2018
Design 4.0
Fees & Charges 4.0
Customer service 4.0
Features 4.0
Total 4.0

Solidly built

much better talaga na may mapagkukuwanan ka ng pera. itong klasi ng card which BDO Visa meron nakasi akong ganito. Debit card na MasterCard tsaka credit card na BDO visa. Yang card nayan talagang napakaimportante sa akin kasi debit card yung binabayad ko which my savings plus my interest ka pa. Sa credit naman just incase na wala na akong pero ito nalang talaga yung binabayad ko. maganda yung BDO card nagagamitin efficient and easy transactions lang.

Good Review

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Information

Reviews

Forum

Please feel free to post your questions on this product.

Start a new topic

Discounted ba?

loves

  • loves
  • Jul 23, 2019

pwedi naman siguro tong magamit for travelling abroad noh? ano sa tingin niyo? kasi diba marami namang mga card ngayon ang pweding gamitin ang ganitong credit card going to other places? mas makakaless ba if ito ang gagamitin basta for the travel goal kasi mahilig akong magtravel abroad ,, adventure adventure lang naman ang gagawin ko. feel ko kasi parang may something dito sa card ko na pweding magamit through abroad kung hindi ako nagkakamali guys.

Liar

  • Liar
  • Jul 31, 2019

Lahat naman po ata ng klasi na credit card may promo package naman po talaga sila sa travel abroad. May mga points kang meeearn just because marami kang napupuntahang lugar. ang ganda pong gamitin ang credit card kasi nakakapunta ka sa ibang lugar tapos makaka-discount pa ang sarap talaga sa feeling kapag ang may credit card ka na ganito. BDO bank is one of the most convenient card here in the pinas..nakakamangha masyado ang bdo bank magbdo ka nalang wala namang mawawala sayo kasi pera naman yan ng banko marami kang points na makukuha rito.

Good Answer

nic swert

  • nic swert
  • Oct 23, 2019

oo ayon sa bdo may promos sila may mga reward pa gane sila, actually meron nga akong isang reward card yong diamond na reward card, tapos weekly nagogroceries pa kami ng asawa ko tapos makakakuha ka ng points kapag may rewards card ka, ipapaswipe mo lang don sa verification machine ata yon basta tapos may mga maiipon kang points kapag nagogroceries ka araw-araw much better po yon, pero ako kasi weekly , sa balance inquiry ko nga rito kasi di ko pa naman nagagamit yong reward card ko na diamond , pag balance inquiry ko dun mga nasa 2k plus na good for 3 months yon ha, grabe may marami na akong points bala ko iyong palakihin pa para marami na akong points.

Good Answer

Reply

What's the difference between the three cards?

hao renie

  • hao renie
  • Jul 12, 2019

anong kaibahan nong sa visa, mastercard, tsaka jcb? may mga different usage ba itong tatlong malulupet na card worldwide?/...sabihinan niyo ko please para naman makakuhan a akong ng ganitong card.. ang nasaisip ko kasi is ang visa exclusive for abroad lang, and yong mastercard is only for personal savings account and lastly is yong ano naman jcb pang international card.. yan kasi ang nasa utak ko dont get me wrong lang ha.. speculation ko lang naman din kasi yon kasi wala pa akong niisang card na naavail sa tanda kong ito..

christopher ey

  • christopher ey
  • Nov 18, 2019

sa mastercard kasi debit yan eh, jcb tsaka visa parang credit card, di ako sure ha kasi wala akong card na jcb mastercard tsaka visa may ganun ako, kais im from india kaya alam ko kasi nagtatravel ako from philippines to india, tapos pagpauwi naman india to philippines kaya nagagamit ko ang visa card ko may discount naman din po kasi yon, at tsaka sa mastercard ko naman personal savings ko po kasi yon kaya debit card siya, and sa jcb di ko alam kung anong specific na gamit to its either savings to or credit card di ko alam eh pasensya ka na,

Good Answer

Reply

Open New Account

T____T

  • T____T
  • Jun 13, 2019

To make things clear to you. I found something good news para sa BDO member ng bank nato. May maeearn kang maraming points kapag nag-avail ka sa bank nila or magpapamember ka sa kanilang bank. Mag aavail na nga ako, I'm ready to avail their services talaga, kasi gusto kong magka-earn ng maraming points. even credit lang I also decided to get also personal savings account.. mag oopen ako ng new account ko sa debit pero processing pa or ongoing pa ako sa credit ko. But before that credit muna ako sa ngaun,.. Just asking lang sana if pwedi lang ba na sa branch lang ako ng BDO magpapaemeber? Ok lang ba yon?

totz

  • totz
  • Jul 23, 2019

i think pwedi naman siguro yon kasi may information naman don para sa mga taong nagiinquire ng open new bank account. para malaman mo nalang punta ka sa inyo sa may malapit na branch ng bdo jan sa inyo baka kasi may malapit and magtanong ka muna sa gwardya before kang pumunta sa information nila para malaman mo agad if pwedi ba yon then after mong makatanong sa gwardiya if pwedi ba jan ka na magask ng membership sa bdo or if not sa main office ka dumiritso. pero i think madali lang naman magpamember ee basta may completo kang requirements sa kanila ayon lang.

Good Answer

Reply

The big interest

Dora

  • Dora
  • Nov 27, 2018

Lahat nalang asang asa sa mga magagandang naiidudulot ng card nato. Kung alam niyo lang na sobrang laki ng interest nito, kasi dun kulang nalaman nung time na hindi ko nabayaran yong 2 months due date ko sa loan tapos hindi ko maimagine na nag increase na pala siya. Palaki ng palaki if hindi mo ito nabayran ng maayos. Paano na ngayon yan? Hindi mn lang nila pinaalam sakin na yon ynung mangyayari. So anong dapat kung gawin?

dianmesio

  • dianmesio
  • Nov 29, 2018

unfortunately, mali yang sinabi mo kasi as a user ng ganitong cards walang katutuhanan na ang BDO is nagbibigay ng mga malalaking interest. Sa pagakaka alam ko nagbibigay lang sila don sa mga hindi good payer kaya malik yong interest atsaka charges. Sa yo malaki kasi baka hindi mo naibigay yong saktong pagbayad sa banko baka lang, kasi ako wala naman akong naencounter na ganyan eh gawa gawa lang nila yan para siguro sirain ang kumpanya nato. Itoy opinion ko lang naman kasi isa din naman akong customer.

Good Answer

mhyca vargas

  • mhyca vargas
  • Feb 26, 2019

sa tingin ko nman para sa akin accurate lang ung bdo sa mas malaking interest diyan is bpi kaya naman huwag namang sabihin na may mga ganun kalaki kasi naman part ako sa bdo meaning parang regular customers ako dun and sa tingin ko naman maganda laht yng services nila. and i think marami silang na itulong sa akikn kaay naman ang ganitogn bdo is worldwide transactions and well known bank in the philippines,, kaya baak naman kasi parang first time lang ka namn mag gamit nito girl ehehehe

Good Answer

honey pie

  • honey pie
  • Apr 12, 2019

mas malaki ang bdo na interest no aabot pa nga sa 3-5% na interest kapag late or overdue ka na, ganyan din kasi ang nangyari sakinmm, katulad ng nangyari sakin that is why ayoko ng magapple ulit sa kanila. i mean i dont want to give loyalty from them kasi ang laki masyado ng patong ng interest and alam ko may certain days na di ako makakabayad on time pero i know in myself na good payer pari nako

Good Answer

Reply

have installation

gerard

  • gerard
  • Sep 21, 2018

Kapag ba card ng BDO yung ginamit ko efficient ba yung transactions nito? Tapos How to avail of installment offers from partner merchants nationwide? Marami ba akong selection of special online promos and offers? Makakapag-enjoy savings ba ako from a wide array of partner stores, restaurants and more? kasi ngayon daw sa pagkaka-alam ko humina na yung BDO company ngaun ee, dahil daw sa mga low performance nila particular na sa mga cards marami silang negative comments nonfunctional yata daw yun parang may corruption yung narinig ko, I don't think kung totoo to ha.

Lou Lou Lumarang

  • Lou Lou Lumarang
  • Oct 3, 2018

installments depende sa store na ppnta mo kung may zero percent interest sila na offered. Usually sa mall maraming promos kapag credit card ang gagamitin mo. May mga credit card ksi na para sa pang shopping talaga ksi nakaka earn din ito ng points so doble na points mo sa reward card tapos sa credit card din.

Good Answer

jayson t. dela fuentes

  • jayson t. dela fuentes
  • Oct 3, 2018

lahat namang ng banko same lang, bigla may charge ka makikita sa statement tapos need mo pa idispute kapag hndi mo napansin edi bonus sa banko yun. Well its not necessary naman to have a credit card, basta may cash ka okay na yun.

Good Answer

meriam S

  • meriam S
  • Oct 25, 2018

I think so, oo nafefeel ko rin na na humina na yong transaction nila. I think naman yong services nila noon is efficient and ngayon hindi kasi marami ng mas better na mga banko kesa noon e. Kaya siguro humina sila ngayon. Huwag ka nalang mag-avail sa kanila mas better kung mag-apply ka nalang sa ibang bank. Suggest ko sayo is eastwest yan kasi yung gamit ko ngayon na card, try mo walang namang mawawala.

Good Answer

Monsy

  • Monsy
  • Oct 30, 2018

sa tingin ko beautiful lady, it's not that humina na yung transactions ng BDO but to think na mas lalong naging widespread na ung bank nila all over the world and isa ito sa mpinakagusto ng lahat ng mga business minded people everywhere. may malaki man silang interest but because accurate lang silang magbigay ng interest tsaka charges, at maybe i think rampant sila na may efficient and sufficient transaction sila and very good customer service sila until now.

Good Answer

jesa mae

  • jesa mae
  • Feb 26, 2019

number one trending news ngayong yong bank ng bdo kasi sila lang yong pinkamostly nagbibgay ng mga ibat ibang promo dito sa pinas, i had experience a lot sa aknilang systema as i am a custometrs ang a good payer also kaya namin they trust me and i trust them so much, specially sa paghold nila ng pera ko kasi milyones yong inaabot ko i mean idenideposit sa banko and to think may ganyan silang maximum of that mAY MGA makyukuhang kang points amkakaearn ka ng maraming points depende lang so kung paano ka magdedeposit sa pera mo...

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