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Best BDO Credit Cards for Online Shopping, Travel & Cashback

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Best BDO Credit Cards for Online Shopping, Travel & Cashback

Introduction

First time getting a credit card? Don’t worry — you’re not alone! Many Filipinos want to start building their credit history, enjoy cashback rewards, shop online, and book flights hassle-free. But with so many options, choosing the best BDO credit card can feel overwhelming.

This guide breaks down the top BDO credit cards for online shopping, travel, and cashback — perfect for first-time credit card users in the Philippines.

What Is a Credit Card and How Does It Work?

A credit card lets you borrow money from the bank to make purchases now and pay later. BDO will set a credit limit based on your income and credit profile.

Example:
If your BDO card has a ₱20,000 credit limit, you can spend up to ₱20,000, but you need to pay it back on or before the due date to avoid interest charges.

Key Benefits for Beginners:

  • Shop online safely
  • Earn cashback and rewards points
  • Build your credit score
  • Pay in 0% installment plans for gadgets and appliances

Best BDO Credit Cards for Beginners

Credit CardBest ForAnnual FeeRewards & CashbackMinimum Income
BDO ShopMore MastercardOnline Shopping & Groceries₱150 / monthUp to 5% cashback at SM & partners₱15,000
BDO Gold VisaTravel & Dining₱4,800/year1 point per ₱50 spend + travel perks₱25,000
BDO Cashback MastercardEveryday Expenses₱4,800/year1% cashback on all purchases₱20,000
BDO Platinum MastercardFrequent Travelers₱5,000/yearFree travel insurance + airport lounge₱50,000
BDO American Express CashbackGlobal Shoppers₱5,000/year1% cashback locally, 2% abroad₱25,000

Best BDO Credit Cards for Online Shopping

1. BDO ShopMore Mastercard

  • Why It’s Great: Perfect for Lazada, Shopee, and SM shoppers.
  • Benefits:
    • Up to 5% cashback on SM and partner stores
    • Accepted in thousands of online stores
    • Flexible payment terms

2. BDO American Express Cashback

  • Why It’s Great: Ideal if you buy from international e-commerce sites.
  • Benefits:
    • 2% cashback on overseas purchases
    • Strong buyer protection
    • Great for Amazon, Apple, and global stores

Best BDO Credit Cards for Travel

1. BDO Gold Visa

  • Free travel accident insurance up to ₱5M
  • Earn rewards points for every ₱50 spent
  • Great for hotel bookings, flights, and restaurants

2. BDO Platinum Mastercard

  • Access to airport lounges worldwide
  • Exclusive travel perks and free insurance
  • High credit limits for frequent travelers

Best BDO Credit Cards for Cashback

1. BDO Cashback Mastercard

  • 1% cashback on all purchases
  • Ideal for groceries, bills, and daily expenses
  • Simple rewards system, no points tracking needed

2. BDO American Express Cashback

  • 2% cashback abroad
  • Perfect for Filipinos who shop internationally or travel often

How to Apply for a BDO Credit Card

Step 1 — Choose the right card
Pick based on your goal: online shopping, travel, or cashback.

Step 2 — Prepare the requirements

  • Valid ID (UMID, Passport, Driver’s License)
  • Proof of income (payslip or ITR)
  • Proof of billing

Step 3 — Submit your application
You can apply via BDO branches or online.

Step 4 — Wait for approval
Processing usually takes 5-7 banking days.

How to Calculate Your Credit Card Costs

Before applying, it’s smart to check how much you’ll actually pay monthly.
Use the Credit Card Cost Calculator to:

  • Estimate monthly payments
  • See potential interest charges
  • Compare BDO cards side by side

Tips for First-Time Credit Card Users

  • Always pay on time to avoid penalties
  • Start with small purchases to build your credit score
  • Take advantage of 0% installment promos
  • Don’t max out your credit limit

TL;DR – Quick Summary

  • Best for Online Shopping: BDO ShopMore Mastercard
  • Best for Travel: BDO Gold Visa / BDO Platinum Mastercard
  • Best for Cashback: BDO Cashback Mastercard & AmEx Cashback
  • Start small, pay on time, and use the Credit Card Cost Calculator before applying.

FAQs

1. Which BDO credit card is best for beginners?

The BDO ShopMore Mastercard is great for first-timers since it has a low income requirement and offers cashback rewards.

2. How much is the minimum income requirement for BDO credit cards?

It ranges from ₱15,000 for entry-level cards to ₱50,000+ for premium cards.

3. Can I apply for a BDO credit card online?

Yes. BDO allows online applications or you can visit any branch.

4. What happens if I don’t pay my balance on time?

You’ll be charged interest + late payment fees and it could hurt your credit score.

5. How do I know which BDO credit card is right for me?

Check your spending habits and income level. Use the Credit Card Cost Calculator to compare repayment amounts before applying.

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