UsapangCredit

BDO Gold UnionPay

The BDO Gold UnionPay is designed for cardholders who frequently travel to or transact in China. It earns points on everyday spending that can be redeemed for cash credits or shopping at SM Retail stores. Its standout feature is seamless integration with Alipay and WeChat Pay for convenient, cashless payments in mainland China, along with waived transaction fees on qualified purchases. With travel insurance coverage and installment options, it’s a practical card for both local use and China-based spending.

Key perks

  • Earn 1 Peso Point for every ₱1,000 spend.
  • Cashless payments in China via Alipay and WeChat Pay with free transaction fees on qualified spend.
  • Up to ₱10 million free family travel insurance when travel tickets are charged to the card.

At a Glance

Card Tier:

Mid

Rewards Type:

Points

Best For:

Travel

Min Annual Income:

396,000

Annual Fee:

2,400

Annual Fee Policy:

Free First 3 Years

Features & Benefits

Earn 1 Peso Point for every ₱1,000 spend, redeemable for cash credit or transferable to BDO Rewards for use at SM Retail stores.

Get up to ₱10 million free family travel insurance when travel tickets are charged to the card.

Enjoy cashless payments in mainland China by linking your card to Alipay and WeChat Pay, with free transaction fees on qualified spend.

Enjoy 0% installment and Buy Now, Pay Later at over 25,000 partner merchants nationwide.

Annual membership fee waived for the first 3 years.

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:

2,400

Annual Fee note:

Free First 3 Years

Annual Fee Supplementary:

n/a

Annual Fee Supplementary note:

First supplementary card free for life

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)