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BDO JCB Lucky Cat

The BDO JCB Lucky Cat is an entry-level credit card that combines everyday rewards with useful travel perks, especially for trips to Japan. It earns points on all purchases that can be redeemed for cash credits or shopping at SM Retail stores. Cardholders also get access to JCB Plaza Lounges worldwide and discounts on Wi-Fi rental in Japan. With flexible installment options and a waived first-year annual fee, it’s a practical card for casual spenders and travelers.

Key perks

  • Earn 1 Peso Point for every ₱1,000 spend.
  • Free access to JCB Plaza Lounges in select cities worldwide.
  • Exclusive discounts on JCB Global WiFi rental in Japan.

At a Glance

Card Tier:

Entry

Rewards Type:

Points

Best For:

Travel

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 for use at SM Retail stores.

Enjoy free access to JCB Plaza Lounges in select international cities, with services like travel assistance, reservations, Wi-Fi, drinks, and luggage storage.

Get exclusive discounts on JCB Global WiFi rental in Japan for better connectivity while traveling.

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

First year annual fee waived for both principal and supplementary cardholders.

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:

1,800

Annual Fee note:

Free First Year

Annual Fee Supplementary:

900

Annual Fee Supplementary note:

Free for the first year

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)