BDO Corporate Credit Card Application: Everything You Need to Know
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BDO Corporate Credit Card Application: Everything You Need to Know
If you’re running a business in the Philippines, managing cash flow, paying suppliers, and monitoring employee expenses can be challenging. That’s where a BDO Corporate Credit Card comes in — a financial tool designed to make expense management easier, more secure, and more rewarding.
Whether you own a small startup, a growing company, or a large enterprise, BDO offers flexible credit card solutions that can streamline your operations. This guide will walk you through how to apply, requirements, benefits, and tips to maximize your corporate credit card.
What Is a BDO Corporate Credit Card?
A BDO Corporate Credit Card is designed for businesses that need an efficient way to manage employee expenses, track company spending, and enjoy exclusive perks. Unlike personal credit cards, corporate cards give your business access to higher credit limits and better control over payments and cash flow.
Key Features of BDO Corporate Credit Cards:
Centralized billing for company transactions
Flexible payment terms to manage business cash flow
Higher credit limits compared to personal cards
Detailed monthly statements for expense tracking
Rewards points and exclusive perks for businesses
Why Your Business Should Consider a BDO Corporate Credit Card
Getting a corporate credit card from BDO offers more than just payment flexibility — it helps you manage, control, and grow your business.
1. Better Cash Flow Management
Instead of relying solely on cash, you can manage expenses efficiently and pay them later based on your billing cycle.
2. Easier Employee Expense Tracking
Assign cards to employees and set specific spending limits for better control.
3. Exclusive Business Perks
Enjoy discounts, travel privileges, insurance coverage, and rewards that are often unavailable on regular personal credit cards.
Eligibility and Requirements
Before applying, make sure your company meets BDO’s basic qualifications.
Eligibility Criteria
Must be a registered business in the Philippines
At least 3 years of profitable operations (recommended)
Good credit standing and banking relationship
Minimum annual gross revenue (varies by card type)
Required Documents
Duly accomplished BDO corporate credit card application form
Business registration documents (DTI / SEC)
Latest audited financial statements
List of authorized signatories and employees
Valid government-issued IDs of authorized officers
How to Apply for a BDO Corporate Credit Card
Applying for a BDO Corporate Credit Card is straightforward. Follow these steps:
Step 1: Determine the Right Card Type
BDO offers different corporate cards tailored for various business needs. Choose based on your spending habits, rewards preferences, and company size.
Step 2: Prepare the Requirements
Make sure you have all documents ready to speed up the approval process.
Step 3: Submit Your Application
You can apply through:
BDO Branches – Visit the nearest branch and submit your documents.
Corporate Account Officer – For existing BDO business clients.
Online Inquiry – Start the process via BDO’s official website.
Step 4: Wait for Approval
BDO evaluates your company’s financial health and creditworthiness. Processing usually takes 5–10 business days.
BDO offers flexible installment programs for business-related expenses. You can convert large purchases into 0% interest or low-interest monthly installments — perfect for cash flow management.
Example: If you need to buy ₱120,000 worth of office equipment, you can split it into 12 equal monthly payments at 0% interest, instead of paying upfront.
đź’ˇ Pro Tip: Use the Credit Card Cost Calculator
Before applying, it’s smart to estimate your monthly payments and interest costs. Use our Credit Card Cost Calculator to compare repayment options and make smarter financial decisions.
Common Issues When Applying for a BDO Corporate Credit Card
Even if you meet the basic requirements, approval is not guaranteed. Here are some common reasons for rejection:
Insufficient business credit history
Missing or incomplete documents
Low declared income or inconsistent financial records
Existing unpaid debts or poor credit standing
Tip: Always double-check your requirements and ensure your company’s financials are updated.
BDO Corporate Credit Card Fees and Charges
Fee Type
Amount
Annual Fee
Varies (based on card type)
Late Payment Fee
Up to ₱850
Cash Advance Fee
5% of amount or ₱500, whichever is higher
Overlimit Fee
₱750
Foreign Transaction Fee
2%
TL;DR — Quick Summary
A BDO Corporate Credit Card helps manage business expenses efficiently.
Requirements include business registration, financial statements, and IDs.
You can apply via branch, account officer, or online.
Enjoy perks like higher limits, cash flow flexibility, and exclusive business rewards.
Use the Credit Card Cost Calculator to plan your payments wisely.
Frequently Asked Questions (FAQs)
1. Can small businesses apply for a BDO Corporate Credit Card?
Yes! Even startups can apply as long as you have complete documents and meet BDO’s minimum income requirements.
2. How long does approval take?
Processing usually takes 5–10 business days after submitting complete requirements.
3. Can I assign multiple cards to employees?
Yes. You can give cards to authorized employees and set individual spending limits.
4. Does BDO offer rewards for corporate card spending?
Absolutely. Earn points for business transactions and redeem them for travel, rebates, or gift certificates.
5. What happens if my application is denied?
You can request feedback from BDO, improve your company’s financial standing, and reapply after a few months.
