BDO vs. Metrobank vs. BPI Credit Card Application: Which Is Best for You?
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BDO vs. Metrobank vs. BPI Credit Card Application: Which Is Best for You?
If you’re planning to get your first credit card in the Philippines, chances are BDO, Metrobank, and BPI are on your shortlist. These three banks are among the biggest credit card issuers in the country, offering a wide range of cards with different benefits, rewards, and requirements.
But here’s the challenge: Which one is best for you? Should you go for BDO’s wide variety of cards, Metrobank’s cashback options, or BPI’s flexible promos?
In this guide, we’ll break down everything you need to know about credit card applications with these three banks — from requirements and fees to benefits and approval tips.
What Is a Credit Card and How Does It Work?
Before we compare banks, let’s clarify what a credit card is:
A credit card allows you to borrow money from the bank for purchases and pay it back later. You’ll be given a credit limit, which is the maximum amount you can spend. If you pay the full balance on time, you avoid interest. But if you only pay the minimum, interest charges will apply.
Example: Let’s say you use your BPI credit card to buy a ₱5,000 phone. If your due date comes and you pay the full ₱5,000, no interest is charged. But if you only pay ₱1,000, the remaining ₱4,000 will start earning interest.
BDO vs. Metrobank vs. BPI: Quick Comparison Table
Feature
BDO
Metrobank
BPI
Minimum Income
₱15,000 – ₱50,000
₱15,000 – ₱50,000
₱15,000 – ₱40,000
Annual Fees
₱1,500 – ₱5,000+
₱1,500 – ₱5,500
₱1,300 – ₱5,000
Approval Time
5–10 banking days
5–7 banking days
5–7 banking days
Best For
Wide card selection, rewards
Cashback lovers
Low fees, frequent promos
Installment Plans
Up to 36 months
Up to 24 months
Up to 36 months
Rewards Program
BDO Rewards Points
Metrobank Rewards & Cashback
BPI Real Thrills Points
Eligibility and Requirements
BDO Credit Card Requirements
Minimum age: 21 years old
Minimum income: ₱15,000/month
Valid government ID
Proof of income (payslip, COE, or ITR)
Proof of billing
Metrobank Credit Card Requirements
Minimum age: 21 years old
Minimum income: ₱15,000/month
Valid ID
Latest payslip or ITR
Proof of billing
BPI Credit Card Requirements
Minimum age: 21 years old
Minimum income: ₱15,000/month
Valid government-issued ID
Latest payslip, COE, or ITR
Proof of billing
Tip: Whether you choose BDO, Metrobank, or BPI, always submit complete and updated documents to avoid delays or rejection.
Application Process
All three banks offer three main ways to apply:
1. Online Application
Visit the official bank website.
Fill out the form and upload your documents.
Submit and wait for confirmation via SMS or email.
2. In-Branch Application
Visit your nearest branch.
Fill out the form and submit hard copies of your documents.
Wait for acknowledgment and updates.
3. Through Credit Card Agents
Some malls and events have bank representatives who can assist you on the spot.
Credit Card Benefits Comparison
BDO Credit Cards
Wide selection of cards, from beginner-friendly to premium
BDO Rewards Points for every purchase
Up to 36 months installment at 0% interest
Exclusive promos with Lazada, Shopee, and travel partners
Metrobank Credit Cards
Best for cashback lovers
Up to 8% cashback on dining and fuel
Good for budget-conscious users who want straightforward rewards
Popular card: Metrobank Cashback Visa
BPI Credit Cards
Lower annual fees for entry-level cards
Great for frequent promo seekers
Up to 36 months 0% installment on gadgets, appliances, and flights
BPI Real Thrills Points redeemable for shopping and dining
Hidden Costs and Fees
Fee Type
BDO
Metrobank
BPI
Annual Fee
₱1,500–₱5,000+
₱1,500–₱5,500
₱1,300–₱5,000
Interest Rate
~3%/month
~3%/month
~3%/month
Late Payment Fee
Up to ₱850
Up to ₱850
Up to ₱850
Overlimit Fee
Up to ₱750
Up to ₱750
Up to ₱750
Use the Credit Card Cost Calculator
Before choosing a bank, it’s smart to estimate your monthly payments using our Credit Card Cost Calculator.
This free tool helps you calculate:
Monthly installment amounts
Total interest costs
How long it’ll take to pay off your balance
Pro Tip: Use this before applying so you can pick the right card based on your budget.
Which Bank Should You Choose?
Choose BDO if you want many card options, strong rewards, and flexible installment plans.
Choose Metrobank if you prefer high cashback and straightforward benefits.
Choose BPI if you want lower fees, lots of promos, and long installment plans.
For first-time users, BPI and BDO are generally easier to get approved for because of their entry-level cards.
TL;DR – Quick Comparison
Feature
BDO
Metrobank
BPI
Minimum Income
₱15K+
₱15K+
₱15K+
Best For
Rewards & flexibility
Cashback lovers
Low fees & promos
Installments
Up to 36 mos
Up to 24 mos
Up to 36 mos
Approval Speed
5–10 days
5–7 days
5–7 days
FAQs About BDO, Metrobank, and BPI Credit Cards
1. Which bank is easiest to get approved for?
BPI and BDO usually have entry-level cards with lower income requirements, making approval easier.
2. Which credit card has the best rewards?
BDO offers versatile rewards, Metrobank focuses on cashback, while BPI is great for shopping promos.
3. Can I apply to multiple banks at once?
Yes, but be cautious — too many applications can affect your credit score.
4. How long does credit card approval take?
On average, 5 to 10 banking days, depending on the bank and completeness of your documents.
5. What’s the best credit card for beginners?
BPI Blue Mastercard, BDO ShopMore, and Metrobank M Lite are among the most beginner-friendly options.
Final Thoughts
Choosing between BDO, Metrobank, and BPI credit cards depends on your lifestyle, spending habits, and financial goals.
If you love rewards and variety, go with BDO.
If you want big cashback savings, choose Metrobank.
If you prefer low fees and promos, BPI is a solid choice.
Before applying, use the Credit Card Cost Calculator to ensure your budget can handle repayments — because the best credit card isn’t just the one with perks, it’s the one you can manage responsibly.
