How to Apply for BDO Credit Card

by Gily Tenorio on February 11, 2011

in Credit Card


Are you looking for some information on how to apply for a BDO credit card? Perhaps you’re wondering why I’m writing an article related to credit card and how to apply for one while I’m advocating financial education.

Some articles in this blog is about credit card and debt. Personally, I’m not against credit card as it is because it can gives many benefits for the card holder when use properly and with care.

However, credit card is not for all people. I’m not recommending credit card if you’re an impulse buyer or you can’t control yourself when going to the mall. Furthermore, one requirement for credit card application is the salary. If you have low salary or earning minimum wage, you cannot apply for a credit card so it is not really for all people.

Anyhow, in this post, I would like to discuss about how to apply for a BDO credit card. I hope that this article may give you the information that you need.

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.

It is better to investigate first before you select the right credit card for you. There are many credit cards available these days in the Philippines and most of them are being offered by the biggest banks in the country.

Since you are reading this article, I assume you are planning to apply for a credit card at BDO. So because of that, I would like to give you the list on what will you get from BDO. 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
  • 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) land line 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.

BDO MasterCard

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 required fields in the application forms and placing N/A if the field is not applicable. Simply pass your forms to the bank employee when you are finished, ask questions if you don’t know what to do or you are not really sure what’s the next step.

Keep in mind also that applications without the required documents or with incomplete information cannot be processed by the bank, therefore, make sure to bring all the requirements. All documents submitted to the bank will not be 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 provided you submitted the correct requirements.

If you have any inquiries or questions about your application, 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)

Final Thoughts

Credit card is meant for the good of the card holder when use properly and with self-control. Though it is created for good and convenience, most of the time it brings hard to the owner because of his or her inability to use the card in the right way.

Some people are eagerly looking for ways on how to get a BDO credit card even though they can’t meet the minimum salary requirement for credit card application. It is nice to have a credit card but it is better not to have one because every time you use a credit card, you are getting debt.


About the Author:

GilGil Tenorio is a blogger, a husband, a father, and an active Christian. He likes playing guitar, C.S. Lewis, Plants and Zombies and NBA. Follow him at Facebook, Google+, YouTube and Twitter. Thanks!

Image Credit: BDO

Comments on this entry are closed.

elmer July 8, 2015 at 07:56

sir ask lang po kung pwede ba ang Philippine army mag apply ng credit card?

Gily Tenorio July 15, 2015 at 13:42

Elmer, if you meet the requirements by the bank, pwede ka mag apply.

bryan January 13, 2015 at 09:20

sir pwede ba ako makakuha ng cc standard master card without landline?

John Power January 13, 2015 at 01:17

It seems strange that I would qualify if I had a job earning 20k per month, which I could be fired from at any time, but I’m retired with a pension of 70k per month, which I will never loose, and I don’t qualify!

bob September 18, 2014 at 06:10

Hi I must dis agree about what you’ve said regarding BDO CREDIT CARD nag try kmi ng frend ko for cash advance sa BDO what happened is this; cnabi n walang mga other fees like membership and etc. nung dumating billing wala pa isang buwan 1,800 agad ang patong dun sa basic na nakuha.. then na late kami ng payment for only 11 days nagdagdag agad ng mahigit 525 para sa surcharge… hello ok lang ba un? eh nakalagay per annum marunung ba cla magkwenta o talagang nagpapcredit card cla para lumubog ang nanghihiram?????????????????????

Gily Tenorio September 21, 2014 at 00:53

Bob, maybe you should get other credit card from other banks. Know their interest rates and other services.

mariz May 12, 2014 at 04:32

hi! im working in BPO Industry. kaka 6 months ko lang tas nagpasa ako lahat ng requirements for Credit Card. may chance kaya ako ma approve? kasi sabi dapat daw at least 1 yr na sa work. Pano kaya un? madedecline ba ako?

John April 7, 2014 at 09:20

Hi If i avail the cash out benifit of BDO can I do the payment on installment basis?


pinay December 19, 2013 at 13:47

just wanna share this to all who wanted to have a cc from bdo,
got mine last year from bdo a dual gold card it was pre-approved, I was shocked when i received it via mail that i was eligible for a cc , I was given an instruction on how to claim my pre-approved cc then i followed it after 2 weeks i received my pre-approved cc from bdo.

note: i am still a 3rd year college student that time but i love to shop using my debit card maybe thats the reason why bdo gave me a cc.

bhem September 9, 2013 at 07:22

Sir: i applied BDO credit card but until still don’t know if they approved my application or not. just want to know. almost 2 months already. Thank you.

Gily Tenorio September 11, 2013 at 00:43

Please contact BDO directly, I’m not connected with them because I’m just a blogger.

Bitoy July 18, 2013 at 16:42

Hi gil,

Excuse my language when i said BDO s****. I am just not happy with their decision..its their credit department that i hate..why BDO? Simply because most merchants offers a buy now pay later promo for BDO card holders. Now tell me gil why does BDO decline applicant like me who has excellent credit standing..approval criteria? I doubt it..I have a colleague that earns a lot less and doesn’t have a credit card but was approved.. income vs. obligation is not a question for me. I’ve been working in a corporate world for almost 10yrs and have earned a position..but why???? what’s their basis for approval? No doubt that BDO credit cards offers more benefits vs. other cc but what im trying to point out here is I dont trust their credit department…approval should be based on the review of the application, credit history and credit worthiness. My suspect is someone inside is trying to manipulate my application..hahaha just a thought my friend. FYI the reason i applied is because a banker encouraged me to do so when I opened a savings account with them.

Gily Tenorio July 19, 2013 at 03:27

Hi Bitoy,

Now I know why you’re applying for BDO. I didn’t know that most merchants accept BDO cc for buy now pay later.

Hannah Cherie June 26, 2013 at 13:49

Hi Mr. Tenorio,

Im Hannah Cherie D. Fajardo from Cebu City, I apply for a credit card bdo thru online last week. This morning somebody called me up one of the agents of BDO and ask for my requirments valid ID and proof of billing. The agent from bdo gave me this email add [email protected] kaso its not existing at all. Are you connected or do you know what is the email add of bdo for submitting the requirements? Thank You

Gily Tenorio June 27, 2013 at 08:09

Hi Hannah,

I’m not connected with BDO. I’m only blogging stuffs about BDO bank and other personal finance topics.

Rex July 26, 2013 at 05:36

Same thing happened to me. I received a phone call from a BDO agent the day after filing my online application telling me to send the necessary documents through this email ( I was able to send the documents but never received any update afterwards (even the mobile phone number used is no longer answering the call).

sherwin navarro June 12, 2013 at 19:06

Hi, OFW po ako seaman, at may account po ako sa BDO 3yrs. na po. Nag-apply ako dati ng credit card sa BDO last yr. pro denied po ako di n po ako nkpgapply ulit kc nkabalik nko sa barko at wala n halos time mkapunta sa BDO dahil po sa may mga kailangan din asikasuhin sa mga papers ko tuwing uuwi ako at ang tagal po kc ng pila sa bdo minsan. pwede nyo po b ako bgyan ng magandang opinion kng pano mpapadali ang pgaapply ko at isa p po minsan hinahanapan po nila ako ng contract eh alam nman nila pg OFW contractual lng kmi eh so pano po un? salamat

Gily Tenorio June 24, 2013 at 13:05

Hi Sherwin,

You must contact BDO directly regarding this matter.

marie May 11, 2013 at 04:55

hi, i have a dollar account with bdo for 8 months now and 1 of the bank personnel in the branch where i opened the account offered me a credit card. she had me filled out a form and she said that they’ll endorse me to have a cc since my account is stable then after a month they called and asked me to go to the bank because i have to sign something so i did,then the manager told me to wait for the card it will be a visa card and make sure that someone will receive it, so i asked the manager if i was approved, what she answered was, i was pre-qualified, does that mean i was approved for a cc??? thanks 🙂

MARLYN May 1, 2013 at 08:03

Hi,ask ko lng if pwede ako mgapply credit card sa bdo ngpapadala allotment husband ko through account…sakin nkapangalan,if ever po ano po requirements kung ako yng mgaapply? tnx

Gily Tenorio May 2, 2013 at 11:13

Hi Marlyn,

You can apply of course if you meet the requirements needed.

Donna Bae Baylosis April 3, 2016 at 06:33

Hi, I have the same concern as this. Pero pano po pag wala akong work, sa allotment lang nakadepende? inelligible na po ba kaagad?

Gily Tenorio April 3, 2016 at 09:07

Hi Donna,

The bank needs your employment certificate if you want to apply fro credit card. That’s one of their requirement.

Mike April 22, 2013 at 14:04

Would like to know if I open a peso passbook savings account with a minimum of P5,000 to BDO, am I guaranteed automatic to have a credit card from BDO? Because I heard it from my other relatives and friends that it is automatic have a credit card once opened an account with them. Hope for your reply.. Thanks in advance..

Gily Tenorio April 23, 2013 at 10:14


I’m not sure because savings account is different product from credit card. Even in other banks, you should apply for these two separately.

hazel dolana April 13, 2013 at 14:56

what if i have no existing credit card and i can’t provide bir form because of issues regarding the declaration of our company? is it possible to apply for a credit card?

ria March 6, 2013 at 02:34

hi, my annual income is 240,000; employed and working as an english teacher online in a company.. with regards to the requirements, i can provide all except the BIR Form since there are still issues regarding the declaration from our company. is it possible to apply for a credit card? thanks

Gil March 8, 2013 at 03:10

Hi Ria,

I’m not directly connected to BDO. You can contact them for more details. But if you have existing credit card, I think it will be easier for you to apply BDO credit card.

breather January 7, 2013 at 04:48


Anong requirements sa OFW to get a BDO credit card?
How soon makukuha ung credit card?


Gil January 11, 2013 at 23:13

Hi Breather,

The requirements were posted in the article. You can get the credit card in the bank or it will be mailed directly to your registered address.

Lizzie November 14, 2012 at 02:12

Can i apply for a credit card despite not having a savings account in Bdo?

Gil November 15, 2012 at 20:33

Hi Lizzie,

Yes you can apply a credit card without having a savings account in BDO.

alyssa delas alas April 24, 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??

Gil April 24, 2012 at 21:22

Hi Alyssa,

She needs a proof of income and some ID when applying for a credit card.

precila delacruz April 19, 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.

Gil April 22, 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.

Jonalyn April 11, 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..

Gil April 11, 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.

bea March 22, 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.

learnfe March 22, 2012 at 12:18

Hi Bea,

I don’t know other ways. Maybe you can go to them directly.

dolce March 11, 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?

learnfe March 16, 2012 at 13:40

Hi I’m not sure because your salary does not reach the required limit.

Gem February 17, 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?

learnfe March 16, 2012 at 13:58

Hi Gem,

I think landline phone is really a mandatory.

Gem February 17, 2012 at 04:31

What if I do not have landline phone number and I would like to apply for credit card memebership?

learnfe March 1, 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.

lovely828 February 7, 2012 at 18:54

what are the requirements, for the OFW to apply the bdo credit card.

learnfe March 16, 2012 at 13:55


same as the requirements posted here.

lovely828 February 7, 2012 at 18:52

can i applya bdo credit card while im working in kingdom of saudi arabia.

learnfe February 12, 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.

Rhona_dy February 3, 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?

learnfe February 5, 2012 at 12:43

Hi Rhona,

What do you mean by website requirements?

Darling January 31, 2012 at 04:36

Anyone knows the BDO Email-address where to send application requirements for Credit card?

learnfe February 5, 2012 at 12:38

Hi Darling,

You can get it in BDO’s site at

Ethel Espiritu January 24, 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….

learnfe January 28, 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.

learnfe January 28, 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.

Hannibals_il November 25, 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?

learnfe November 27, 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.

Jun November 4, 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?

Cel Pancho October 8, 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.

Rosemarie October 2, 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.

learnfe March 16, 2012 at 13:56


I don’t think so. You should have a regular job with at least P20,000 per month salary.

noel September 20, 2011 at 11:21

pede po bang mag apply ng credit ang ofw?

mel October 26, 2011 at 13:59

yes pd mg apply.. basta u have existing acct atlist 6 mos at bdo rn..

Anonymous September 15, 2011 at 03:31

Hi Lily, you should show a proof of income. I think it is not possible.

azee fajam jane callueng July 4, 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?

jo June 29, 2011 at 01:24

i have no landline communication, can i qualified to avial the BDO credit card? thanks.

mhel June 27, 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?

maddie July 28, 2011 at 23:56

same here:( i’m a freelance web designer and i don’t have any valid IDs..

Anonymous July 29, 2011 at 00:25


One valid ID is needed to open a bank account. See here the list of valid ID:

jheng June 21, 2011 at 00:34

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..

Naomi June 18, 2011 at 01:43

How to apply BDO credit card,may i know the requirements..

zhiel June 17, 2011 at 06:12

how much is the Annual Fee for BDO Credit Card?

learnfe March 16, 2012 at 13:57

Hi zhiel,

It depends on the type of card. Normally, the lowest fee is around P1,500.

danilo s bugarin May 14, 2011 at 11:33

I want to apply a credit card

Gil May 18, 2011 at 10:56

Hi there,

Just visit BDO’s main website if you want to apply online.

maricon penaso April 21, 2011 at 07:33

may i know the requirements i am self employed thanks.

ainz April 21, 2011 at 05:28

I wish they could lower the Gross Income requirement or they do have exceptoins in a case to case basis?

anthony cajucom April 21, 2011 at 03:21

paano kung ang aking asawa na nasa pilipinas ang gagamit ng aking credit card,

Gil April 21, 2011 at 03:34


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.

anthony cajucom April 18, 2011 at 22:49

i want to apply a credit card in your bank Banco De Oro I am an OFW interested

Gil April 18, 2011 at 22:55

Hi Anthony,

Just visit BDO website and apply there for credit card.

sandeep March 31, 2011 at 14:35

I want to apply a credit card in your bank BANCO DE ORO I am a OFW an interested

mary joycelyn dicena March 22, 2011 at 06:18

I want to apply a credit card in your bank BANCO DE ORO I am a OFW an interested

Gil March 24, 2011 at 11:46

Hi Mary,

You can visit this site to know how to apply for BDO credit card:;jsessionid=7b44aa7da4c8851b916879f74518

bitoy July 18, 2013 at 10:35

BDO sucks!!! I currently have existing credit cards with excellent credit on it and when i applied for a BDO credit they declined my application. I have like 3 credit cards from 3 major banks with very good standing . I don’t know how their approval criteria but based on the website i have met all criteria and even exceeded their required Gross Annual Income but I was declined. I don’t know what type of credit department they have but they should look on to this

Gily Tenorio July 18, 2013 at 11:29


Why do you want to apply for BDO credit card? You said you have already 3 credit cards. You can apply in other banks, there are many options out there.

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