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BDO World Elite Mastercard

The BDO World Elite Mastercard is an invitation-only credit card designed for frequent international travelers who want premium perks and global privileges. It rewards overseas spending while giving you travel comforts such as complimentary airport lounge visits, airport limo service, and up to $2 million in family travel insurance. With a reduced foreign exchange fee, 24/7 concierge assistance, and strong purchase protection coverage, this card delivers an elite travel and lifestyle experience wherever you go.

Key perks

  • 10 complimentary airport lounge visits worldwide via Mastercard Travel Pass (DragonPass).
  • Up to $2 million free family travel insurance when travel tickets are charged to the card.
  • Earn 1.5 Peso Points per $20 overseas spend and 1 Peso Point per ₱1,000 local spend.

At a Glance

Card Tier:

Elite

Rewards Type:

Points

Best For:

Travel

Min Annual Income:

n/a

Annual Fee:

$1,500

Annual Fee Policy:

Non-Waivable

Features & Benefits

Earn 1.5 Peso Points for every $20 overseas spend billed in USD and 1 Peso Point for every ₱1,000 local or overseas spend billed in Peso. Points can be redeemed for rewards or benefits within the BDO ecosystem.

Get 10 complimentary airport lounge visits worldwide through Mastercard Travel Pass by DragonPass.

Enjoy Mastercard Airport Limo service through DragonPass for convenient airport transfers.

Pay only 1.85% foreign exchange conversion fee on overseas and foreign currency transactions.

Receive free family travel insurance coverage of up to $2 million when travel tickets are charged to the card.

Access a 24/7 dedicated concierge service for travel, dining, reservations, and lifestyle assistance.

Get purchase protection insurance for damaged or stolen items (up to $3,000 per occurrence, $20,000 annual aggregate).

Enjoy e-commerce purchase protection for online purchases (up to $1,000 per occurrence).

Shop online securely with a free virtual card that has a separate card number and adjustable credit limit.

Exclusive by-invitation card designed for select high-net-worth clients.

More Reasons To Love This Card

Installment & Payment Features

Credit to Cash:

Cash Installment

Purchase Installment:

Purchase Convert

Balance Conversion:

Balance Convert

Balance Transfer:

Balance Transfer

Special Installment:

Buy Now Pay Later

Send Money:

n/a

Bills Payment:

Charge on Demand / Auto Charge

Not sure what these mean? Here’s a quick guide to help you understand each feature.
  • Credit to Cash — Convert part of your credit limit into cash and repay it in fixed monthly installments over a set period.
  • Purchase Installment — Convert an existing or recent straight purchase into installments so you can pay it off monthly instead of in one full payment.
  • Balance Conversion — Convert your current credit card balance into installments to make repayment more manageable with fixed monthly amounts.
  • Balance Transfer — Move your balance from another credit card to this card, usually with lower interest or on installment terms.
  • Special Installment — Pre-arranged installment offers for specific purchases (e.g., partner merchants or promos), often with 0% interest for a set term.
  • Send Money — Transfer funds directly from your credit card to a bank account or e-wallet, typically with a fee.
  • Bills Payment — Pay your bills using your credit card—either manually (on demand) or automatically (auto charge).

Travel Features

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General Features

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Fees & Charges

Annual Fee:

$1,500

Annual Fee note:

Non-Waivable

Annual Fee Supplementary:

$750

Annual Fee Supplementary note:

n/a

Retail Monthly Interest Rate:

3.0%

Cash Advance Monthly Interest Rate:

3.0%

Cash Advance Fee:

₱200

Processing Fee – Credit to Cash:

₱350

Processing Fee – Purchase Installment:

₱100

Processing Fee – Balance Conversion:

₱350

Processing Fee – Balance Transfer:

₱350

Send Money Fee:

n/a

Note: The installment processing and Send Money fees shown above reflect the minimum applicable amount. Actual fees may vary depending on the transaction amount, currency involved, or how the request is initiated (e.g., through electronic channels or via customer service).

Eligibility & Requirements

Eligibility

By invitation only

Requirements

n/a