UsapangCredit

BDO HOPE Mastercard

The BDO HOPE Mastercard lets your everyday spending create real social impact. For every ₱1,000 you spend, BDO donates ₱5 to HOPE to help build public school classrooms for Filipino students, while part of the card’s annual fee also supports education and community programs. Cardholders also enjoy partner discounts, a low 1.85% foreign exchange fee for overseas purchases, and flexible installment options. Made from recycled plastic, the card combines meaningful giving with a more sustainable design.

Key perks

  • ₱5 donated to HOPE for every ₱1,000 spend to help build public school classrooms.
  • Low 1.85% foreign exchange conversion fee for overseas and foreign currency purchases.

At a Glance

Card Tier:

Mid

Rewards Type:

n/a

Best For:

n/a

Min Annual Income:

396,000

Annual Fee:

1,200

Annual Fee Policy:

Non-Waivable

Features & Benefits

₱5 donated to HOPE for every ₱1,000 spend, helping fund the construction of public school classrooms for Filipino students.

A portion of the annual membership fee is donated to HOPE (₱200 for principal cardholders and ₱100 for supplementary cardholders), supporting education and community programs.

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

Enjoy 0% installment deals at over 25,000 partner merchants nationwide for flexible payments on big purchases.

Made from 100% recycled plastic, supporting sustainability and reducing plastic waste.

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:

1,200

Annual Fee note:

Non-Waivable

Annual Fee Supplementary:

600

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: ₱33,000 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)