UsapangCredit

BDO Standard Mastercard

The BDO Standard Mastercard is a simple entry-level credit card designed for everyday spending. You earn points on all purchases that can be redeemed for cash credits or transferred to BDO Rewards or SMAC. It also makes big purchases easier to manage with 0% installment and Buy Now, Pay Later options at thousands of partner merchants nationwide. With a free virtual card for secure online shopping and a waived first-year annual fee, it’s a practical starter card.

Key perks

  • Earn 1 Peso Point for every ₱1,000 spend.
  • 0% installment and Buy Now, Pay Later at 25,000+ partner merchants.
  • Free virtual card for safer online shopping.

At a Glance

Card Tier:

Entry

Rewards Type:

Points

Best For:

n/a

Min Annual Income:

180,000

Annual Fee:

1,800

Annual Fee Policy:

Free First Year

Features & Benefits

Earn 1 Peso Point for every ₱1,000 spend, redeemable for cash credit or transferable to BDO Rewards or SM Advantage Card (SMAC).

Enjoy 0% installment deals and Buy Now, Pay Later options at over 25,000 partner merchants nationwide for purchases starting at ₱3,000, with flexible terms of 3, 6, 9, 12, 18, 24, or 36 months.

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

First year annual fee waived, with a low monthly membership fee starting on the 13th month.

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

Click an item to view other credit cards with the same feature or benefit.

n/a

General Features

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Fees & Charges

Annual Fee:

1,800

Annual Fee note:

Free First Year

Annual Fee Supplementary:

900

Annual Fee Supplementary note:

n/a

Retail Monthly Interest Rate:

3%

Cash Advance Monthly Interest Rate:

3%

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

  • Age: 21–60 (principal), 13+ (supplementary)
  • Residency: Filipino citizen or foreign resident in the Philippines
  • Minimum income: ₱15,000 gross monthly income

Requirements

Proof of Identification

  • Filipino applicants: Any valid government-issued photo ID (e.g., PhilSys ID, passport, driver’s license, SSS ID).
  • Supplementary applicants who are students: Valid school ID accepted.
  • Foreign applicants: Valid passport plus visa/immigration documents (e.g., work visa, ACR/ICR) and proof of employment or embassy endorsement if applicable.

Proof of Income

Employed applicants:

  • Latest ITR or BIR Form 2316 (required)
  • Plus any of the following: latest payslip, certificate of employment, or statements from an existing credit card (at least 1 year old)

Self-employed applicants:

  • Latest ITR and audited financial statements (required)
  • Business registration (DTI or SEC)
  • Recent bank statements (may be required)