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How to Maximize BDO Credit Card Points and Convert Them Into Rewards

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How to Maximize BDO Credit Card Points and Convert Them Into Rewards

Introduction

Got your first BDO credit card but not sure how to make the most out of your points? You’re not alone. Many first-time credit card users in the Philippines don’t realize how powerful rewards points can be. When used strategically, these points can give you free shopping vouchers, discounts, travel perks, and even cashback.

In this guide, we’ll show you how to maximize your BDO credit card points, explain how the rewards system works, and teach you the best ways to redeem points for maximum value.

Understanding BDO Credit Card Points

Before maximizing your rewards, let’s start with the basics.

  • For every ₱50 spend, you typically earn 1 BDO rewards point (varies per card).
  • Points can be used for shopping, dining, travel, vouchers, and even cashback.
  • Some cards earn bonus points on specific spending categories like dining, fuel, or online purchases.

💡 Tip: Always check your BDO card’s earning rate because not all cards give the same number of points per peso spent.

How to Earn More BDO Credit Card Points

1. Use Your Card for Everyday Expenses

Maximize your points by charging your groceries, bills, fuel, and online purchases to your BDO credit card.

Example:

  • Monthly grocery spend: ₱10,000
  • Points earned: 200 points
  • In one year: 2,400 points (redeemable for vouchers or rewards)

2. Take Advantage of BDO Bonus Point Promos

BDO often runs special promotions where you can earn 2x or 3x points when spending on partner merchants, airlines, or online platforms.

Example:
If BDO offers 3x points for online shopping, a ₱5,000 Lazada or Shopee purchase earns you 300 points instead of 100.

3. Pay Your Bills Through BDO Online or Auto-Charge

BDO lets you auto-charge utilities, phone plans, and insurance payments. Every payment earns you points — meaning your monthly obligations become rewards generators.

4. Use Your Card for Travel & Dining

If you travel frequently or love eating out, use your BDO credit card for:

  • Flight bookings
  • Hotel reservations
  • Restaurant bills

These often earn higher points per peso spent.

5. Combine Spending with Family or a Supplementary Card

You can request a supplementary card for family members. All points earned go into one account, helping you reach redemption faster.

Best Ways to Redeem BDO Credit Card Points

BDO offers multiple redemption options. Here’s how to get the best value:

1. Redeem for Shopping Vouchers

Exchange your points for vouchers from popular brands like SM, Rustan’s, Lazada, and more.

Example:

  • 5,000 points = ₱500 voucher
  • Perfect for groceries, gadgets, and lifestyle shopping.

2. Convert Points to Miles for Travel

For frequent travelers, converting points to airline miles (PAL Mabuhay Miles, Asia Miles, etc.) can save thousands of pesos on tickets.

3. Use Points to Pay Your Bill

Some BDO cards allow you to offset your monthly statement using accumulated points. Great for instant savings if you don’t want to redeem vouchers.

4. Redeem for Gadgets & Appliances

If you prefer big-ticket redemptions, you can use points for electronics, kitchen appliances, and home essentials from BDO’s rewards catalog.

5. Watch Out for “Double Value” Promos

BDO sometimes offers special redemption promos where your points are worth up to 2x the regular value — perfect timing for maximizing benefits.

Maximize Your Points Using the Credit Card Cost Calculator

Want to know how many points you can earn based on your monthly spending? Try the Credit Card Cost Calculator.

It helps you:

  • Estimate your annual rewards
  • Compare cashback vs. points value
  • Decide which BDO card fits your spending habits

Common Mistakes That Waste Your Points

  • ❌ Not tracking expiration dates → Some BDO points expire; don’t let them go to waste.
  • ❌ Using the wrong card → If you have multiple cards, always use the one with the highest earning rate.
  • ❌ Ignoring bonus promos → Missing out on multiplier campaigns means fewer rewards.
  • ❌ Redeeming for low-value items → Some redemptions give poor value; vouchers often provide the best returns.

Tips for First-Time Credit Card Users

  • Always pay your balance in full to avoid interest eating up your rewards.
  • Start with daily spending categories like groceries, bills, and fuel.
  • Track your points via BDO Online Banking or the BDO Rewards Portal.
  • Use the Credit Card Cost Calculator before applying for any new card.

TL;DR (Quick Summary)

  • Earn BDO credit card points by spending on daily expenses, bills, dining, and travel.
  • Maximize earnings by joining bonus point promos and using supplementary cards.
  • Best redemption options: shopping vouchers, travel miles, bill payments, and gadgets.
  • Use the Credit Card Cost Calculator to plan how to get the most value out of your card.

Frequently Asked Questions (FAQs)

1. How much is 1 BDO rewards point worth?

On average, 1 point = ₱0.10, but it depends on your chosen redemption option.

2. Do BDO rewards points expire?

Yes, some points have an expiry date. Always check your card’s terms and redeem early.

3. Can I convert my BDO points to airline miles?

Yes, BDO allows conversion to PAL Mabuhay Miles, Asia Miles, and other partner programs.

4. How can I check my BDO credit card points?

You can track your points via BDO Online Banking, the BDO Mobile App, or your monthly billing statement.

5. Is it better to get cashback or rewards points?

If you want instant savings, go for cashback. If you prefer flexible perks like shopping, gadgets, or travel, rewards points are better.

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