BDO credit card is one of the financial products offered by Banco de Oro, a leading universal bank in the Philippines. To get a credit card in BDO Philippines, there are some requirements you should provide which will be discussed later on.
It is one of the best credit cards in the country along with other credit card providers such as BPI, Metrobank, RCBC, and PSBank. If you want to apply for a credit card in BDO, this is the right place to learn more information about credit card application.
Benefits of BDO Credit Card
In essence, it is important to know what benefits will you get when applying for a credit card. You can compare the credit cards offered by most of the banks by looking for the benefits they are giving for the cardholders. By owning a BDO credit card, you can have the following benefits:
- Low interest rate of 3%
- Various promos, discounts and perks only available to BDO credit card holders
- Maximize and leverage your finances through any of the EasyPAY Installment Programs
- Maximum of 50% Cash advance limit
- 24/7 Customer Service
For inquiries, you can call the BDO Call Center at 631-8000 (within Metro Manila), 1-800-10-631-8000 (PLDT Domestic TOLL-FREE), 1-800-3-6318000 (Digitel Domestic TOLL-FREE) or at IAC+800-6318000 (International TOLL-FREE)
- Home bills payment facility (through Auto Charge or Charge-On-Demand)
- Worldwide acceptance since it is powered by Mastercard
Basic Requirements in Applying for BDO Credit Card
Before you can apply for a credit card at BDO, you should meet the necessary requirements set by BDO. As a basic application requirements, the applicants should meet the following conditions or criteria:
1. Should be a Filipino citizen or a foreigner who has been a permanent resident of the Philippines for the last two (2) years
2. Must be 21 to 70 years old for principal and at least 13 years old for supplementary cardholders
3. Must be regular employee or if self-employed with business operating for at least two (2) years
4. Minimum gross fixed annual income of P240,000
5. Should have at least one (1) landline phone
6. Residence or office address must be within any area where a BDO branch is located
Documents Necessary for BDO Credit Card Application
It is better to ready or prepare the documents needed for credit card application before going to BDO so you can save time and money. If, however, you come to the bank lacking any one of the following credentials, your application will be pending or cannot be processed by the bank. Make sure you have the documents listed below prior going to the branch.
I. For applicants with existing credit card/s in BDO or other banks
1. Recent credit card charge slip or most recent credit card statement of account.
2. Photocopy of the front portion of other credit card
3. Photocopy of at least one (1) valid photo-bearing identification document front and back issued and signed by an official. Click here to see the list of IDs
4. Photocopy of latest BIR Form 2316 signed by employer’s authorized representative for employed applicants or photocopy of latest ITR and W4 with BIR stamp for self-employed
II. For applicants without existing credit card
1. Proof of Income
i. For employed customers, the required documents you must submit are the following:
a. Photocopy of latest BIR Form 2316, signed by employer’s authorized representative
b. Submit any one (1) of the following which can be optional
* Original copy of Employment and Income (COEI) indicating status, length of service and compensation breakdown
* Photocopy of latest full month pay slip
ii. For self-employed applicants:
a. Photocopy of Registration of Business Name
* For Single Proprietorship issued by DTI
* For Partnership/Corporation issued by SEC
b. Photocopy of ITR for the last two (2) years and W4 and BIR/Bank Stamp
c. Audited Financial Statements for the last two (2) years
d. Bank Statements for the last three (3) months which is optional
2. Proof of Identification (click to know more)
III. Documentary Requirements for Foreigners
1. Copy of employment contract or certificate of employment
2. Letter from the Embassy (if Embassy Official)
3. Submit 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
Steps in BDO Credit Card Application
When applying a credit card at BDO, make sure to complete all the application forms placing N/A if not applicable. Simply pass your forms when you are finished, ask questions if you don’t know what to do.
Keep in mind also that applications without requires documents or with incomplete information will not be processed. All documents submitted to the bank will not returned to the applicant so don’t submit the originals, make at least two photocopies for each document.
It is not hard to get a credit card in BDO, you only need to meet the requirements and pass the documents needed for processing of your application. It is free to apply and its fast.
March 22nd, 2011 at 06:18
SIR
I want to apply a credit card in your bank BANCO DE ORO I am a OFW an interested
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Gil Reply:
March 24th, 2011 at 11:46
Hi Mary,
You can visit this site to know how to apply for BDO credit card: https://www.clg.bdo.com.ph/en/;jsessionid=7b44aa7da4c8851b916879f74518
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March 31st, 2011 at 14:35
I want to apply a credit card in your bank BANCO DE ORO I am a OFW an interested
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April 18th, 2011 at 22:49
i want to apply a credit card in your bank Banco De Oro I am an OFW interested
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Gil Reply:
April 18th, 2011 at 22:55
Hi Anthony,
Just visit BDO website and apply there for credit card.
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April 21st, 2011 at 03:21
paano kung ang aking asawa na nasa pilipinas ang gagamit ng aking credit card,
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Gil Reply:
April 21st, 2011 at 03:34
Hi,
Most of the stores require you to present other IDs together with your credit card so you wife cannot use your credit card because they will know that the credit card is not owned by your wife.
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April 21st, 2011 at 05:28
I wish they could lower the Gross Income requirement or they do have exceptoins in a case to case basis?
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April 21st, 2011 at 07:33
may i know the requirements i am self employed thanks.
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May 14th, 2011 at 11:33
I want to apply a credit card
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Gil Reply:
May 18th, 2011 at 10:56
Hi there,
Just visit BDO’s main website if you want to apply online.
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June 17th, 2011 at 06:12
how much is the Annual Fee for BDO Credit Card?
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learnfe Reply:
March 16th, 2012 at 13:57
Hi zhiel,
It depends on the type of card. Normally, the lowest fee is around P1,500.
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June 18th, 2011 at 01:43
How to apply BDO credit card,may i know the requirements..
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June 21st, 2011 at 00:34
hi,
I jz want 2 ask if I can apply a bdo credit card even if I don’t hve an acct.with them?and what are the requirements?i don’t hve work,I’m jz an allotee of my husband..tnx..
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June 27th, 2011 at 09:06
What if you are online tutor and no itr and bir is there an alternative way to avail or apply for a credit card?
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maddie Reply:
July 28th, 2011 at 23:56
same here:( i’m a freelance web designer and i don’t have any valid IDs..
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Anonymous Reply:
July 29th, 2011 at 00:25
Hi,
One valid ID is needed to open a bank account. See here the list of valid ID:http://learnfinancialeducation.com/requirements-for-opening-a-bank-savings-account/
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June 29th, 2011 at 01:24
i have no landline communication, can i qualified to avial the BDO credit card? thanks.
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July 4th, 2011 at 09:21
it is ok if im a working student and i want to apply a bdo credit card. i am not yet regular at my work and my salary was not too high. i’ve work there for almost 3months. it was ok to avail this?
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September 15th, 2011 at 03:31
Hi Lily, you should show a proof of income. I think it is not possible.
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September 20th, 2011 at 11:21
pede po bang mag apply ng credit ang ofw?
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mel Reply:
October 26th, 2011 at 13:59
yes pd mg apply.. basta u have existing acct atlist 6 mos at bdo rn..
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October 2nd, 2011 at 04:44
i want to apply a bdo credit card but i am not yet regular at my work and i have a basic salary. . can i still apply for a credit card? thanks.
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learnfe Reply:
March 16th, 2012 at 13:56
Hi,
I don’t think so. You should have a regular job with at least P20,000 per month salary.
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October 8th, 2011 at 14:10
Is there anybody who knows the email of bdo, to send the requirements for application of credit card, I was called by BDO ortigas, did some phone interview then she asked me to send the requirements through email. She gave me an email, but unfortunately, i did not get it right, something wrong or lack in the email i got, something, clg-….bla bla…everytime i want to send the email, always failed. hope somebody can help. Thanks a lot.
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November 4th, 2011 at 01:43
gud morning! i was given an email ad thru phone where to send my requirements for application of credit cards but, unfortunately, its always a failure. There might be something wrong with the email ad she gave to me. Can u help me provide the correct email ad to send my requirements?
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November 25th, 2011 at 20:39
i’m a OFW i would like to apply a credit card and a bank account in BDO,can i do it on line?
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learnfe Reply:
November 27th, 2011 at 12:32
Hi Hannibals_il,
I think you can’t apply online for bank account in BDO. For credit card, you can download application forms at their website and send it to them.
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January 24th, 2012 at 16:30
i’m dreaming to have a BDO credit card co’z i think it is the only way i can get the appliances i want thru credit card….i can’t pay in cash…i don’t want to get money from 5 6 or lending,that’s big interest to pay off.BDO credit card is the only answer to my dreams…..BUT i fail the requirments needed.i’m not a regular employee…my husband is not a regular employee…low annual income…no land line.BUT we’re not renting a house,i have a sideline here in our house,a videogames(arcade)-2 unit of xbox,& i own a desktop.can i apply for a credit card?thanks….
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learnfe Reply:
January 28th, 2012 at 06:32
Hi, Ethel,
You should try to apply at Metrobank because they have a credit card which you can apply even though you don’t have job BUT you should deposit a certain amount of money as a guarantee that you can pay the credit card bill.
[Reply]
learnfe Reply:
January 28th, 2012 at 06:32
Hi, Ethel,
You should try to apply at Metrobank because they have a credit card which you can apply even though you don’t have job BUT you should deposit a certain amount of money as a guarantee that you can pay the credit card bill.
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January 31st, 2012 at 04:36
Anyone knows the BDO Email-address where to send application requirements for Credit card?
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learnfe Reply:
February 5th, 2012 at 12:38
Hi Darling,
You can get it in BDO’s site at http://www.bdo.com.ph
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February 3rd, 2012 at 00:27
Is it true that I still have to submit the 2 valid ID and payslip in your email account for website requirements?
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learnfe Reply:
February 5th, 2012 at 12:43
Hi Rhona,
What do you mean by website requirements?
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February 7th, 2012 at 18:52
can i applya bdo credit card while im working in kingdom of saudi arabia.
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learnfe Reply:
February 12th, 2012 at 00:42
Hi, you may try to apply online by going to BDO’s website. There’s a section there on the left side bar for credit card application.
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February 7th, 2012 at 18:54
what are the requirements, for the OFW to apply the bdo credit card.
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learnfe Reply:
March 16th, 2012 at 13:55
Hi,
same as the requirements posted here.
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February 17th, 2012 at 04:31
What if I do not have landline phone number and I would like to apply for credit card memebership?
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learnfe Reply:
March 1st, 2012 at 06:09
Hi Gem,
I’m not sure about that. I think it is mandatory requirement before you can apply a credit card.
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February 17th, 2012 at 04:34
Our company also has no landline number,only cellphone number but the company has been established for 5 years already and I had been in the company for 4 years, how would you appraise my application in case I go through with it?
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learnfe Reply:
March 16th, 2012 at 13:58
Hi Gem,
I think landline phone is really a mandatory.
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March 11th, 2012 at 21:29
i almost have all the said requirements but the thing is that my annual gross income is only 171,800.00 since my monthly basic salary is 14,315.00, if it will includes my allowances and overtime pay it will.. :p .. can i still apply for a credit card?
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learnfe Reply:
March 16th, 2012 at 13:40
Hi I’m not sure because your salary does not reach the required limit.
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March 22nd, 2012 at 01:35
how can i follow up my creidit card application?, they called me up alredy 3 weeks ago, but until now i don’t know if my application has been approved or denied.I’ve been tryin to mcall their hotline no. but it just keeps on ringing and ringing that no one anwers yopuyr call.Thanks, and hope to recieve answer from here.
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learnfe Reply:
March 22nd, 2012 at 12:18
Hi Bea,
I don’t know other ways. Maybe you can go to them directly.
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April 11th, 2012 at 08:12
hi..!!am i require to apply a BDO credit card even though my gross income is 113,400????is there any credit card n pwd kong maaplyan??..Thanks..
Waiting for your Response..
[Reply]
Gil Reply:
April 11th, 2012 at 12:27
Hi jonalyn,
I think you will not meet the salary requirement. Try to apply for Metrobank but you have to deposit a guarantee for your credit card.
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April 19th, 2012 at 14:37
apply sana ako ng credit card this end of the month,i have no landline ,but my account ako sa bdo,at doon ngpapadala ng allotment ko ang husband ko,how much ba yung savings account sa bank para maaproved sa credit card thanks.
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Gil Reply:
April 22nd, 2012 at 13:47
Hi Precila,
You need to have a n employment first so you can apply for a credit card. IF you have none, you cannot apply for one.
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April 24th, 2012 at 14:32
Hi, my mom want to apply a dbo credit card. She was a pensioner and a rental unit owner. So what documents we will be needing to apply bdo credit card? if my mom was a pensioner and a rental unit owner??
[Reply]
Gil Reply:
April 24th, 2012 at 21:22
Hi Alyssa,
She needs a proof of income and some ID when applying for a credit card.
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