Online shopping is booming in the Philippines! From Lazada, Shopee, and Zalora to Amazon and Shein, more Filipinos are using credit cards to unlock exclusive promos, cashback rewards, and flexible installment plans.
If you’re a first-time credit card user or still deciding which BDO credit card is best for online purchases, this guide will help you choose the top 5 BDO credit cards for online shoppers based on promos, benefits, and rewards.
Why Get a BDO Credit Card for Online Shopping?
BDO offers some of the best credit cards for Filipinos who love shopping online. Here’s why BDO is one of the top choices:
🛍 Exclusive Shopping Promos — Discounts on Lazada, Shopee, Zalora, Shein, and more.
🎁 Rewards & Cashback — Earn points or rebates on every online purchase.
💳 Flexible Installments — Enjoy 0% interest on select transactions.
🛡 Secure Transactions — BDO offers 3D Secure OTP verification for safe payments.
🌍 Worldwide Acceptance — Shop locally and internationally with no hassle.
If you’re worried about high interest charges, use the Credit Card Cost Calculator to see how much you’ll save by paying your balance on time.
Top 5 BDO Credit Cards for Online Shoppers
1. BDO ShopMore Mastercard(Best Overall for Online Shopping)
Why it’s great: Perfect for online shopaholics who love cashback rewards and exclusive partner promos.
Key Features:
5% cashback on select partner stores
Exclusive Lazada & Shopee discount codes
Free SM Advantage Card membership
Waived annual fee for the first year
Best for: Frequent Shopee, Lazada, and Zalora shoppers.
2. BDO American Express Cashback Card(Best for Cashback Lovers)
Why it’s great: Earn real cashback every time you shop online or in-store.
Key Features:
5% cashback on groceries, 1% cashback on online shopping
No minimum spend required to earn cashback
0% installment up to 24 months
Accepted in millions of stores worldwide
Best for: Online shoppers who want automatic cashback savings.
3. BDO Visa Gold Card(Best for Frequent International Online Shoppers)
Why it’s great: Perfect for those who buy from Amazon, Shein, AliExpress, and other global sites.
Key Features:
High credit limit suitable for large online purchases
Exclusive Visa online shopping promos
Fraud protection and secure 3D verification
Flexible payment options
Best for: Filipinos who regularly shop on international e-commerce platforms.
4. BDO Platinum Mastercard(Best for Premium Online Shopping Perks)
Why it’s great: Ideal for shoppers who want exclusive privileges and higher cashback rates.
Key Features:
Up to 5% rebate on international and online spending
Premium travel and shopping insurance
0% installment for up to 36 months on select online purchases
VIP promos with partner e-commerce stores
Best for: Shoppers who want luxury perks, rebates, and premium protection.
5. BDO UnionPay Credit Card(Best for Chinese & Southeast Asian Online Stores)
Why it’s great: UnionPay is widely accepted on Asian shopping sites like AliExpress, Taobao, and Lazada SG.
Key Features:
Special discounts on Asian shopping platforms
Lower foreign currency conversion fees
Added protection for cross-border online purchases
Access to BDO online installment deals
Best for: Filipinos who often shop from China-based and Asian e-commerce platforms.
Tips to Maximize Your BDO Credit Card for Online Shopping
Pay your balance in full — Avoid high interest charges.
Use the right card for the right platform — For example, ShopMore Mastercard works best for Lazada, Shopee, and Zalora.
Take advantage of promos — BDO frequently partners with big online platforms.
Track your spending — Use your BDO Online Banking app to avoid overspending.
