News And Articles


Annual Fee
Interest Rate

BDO Credit Card

  • Interest Rate :
  • Annual Fee :

DESCRIPTIONS:

Banco De Oro is one of the fastest growing banks in the Philippines offering a range of products and services for Filipinos when it comes to managing their personal and business finances. Credit cards are just among its products, and they are available in different types with different features to match your lifestyle and your finances. Currently, BDO issues credit cards under MasterCard, Visa, American Express, and JCB.

The BDO credit card is specifically tailored for individuals making payments for their household bills, personal needs, and their family’s expenses. There are also credit cards with rewards programs tailored for individuals using their BDO credit card for specific purposes such as paying for groceries, airline tickets, or fuel. Banco De Oro is affiliated with SM Department Stores and its other affiliate retailers, so the BDO credit card offers perks each time you use it to pay for items or services made in SM malls or supermarkets. These perks include freebies and discounts, and even a free SM Advantage Card if you own the BDO Shop More MasterCard.

BDO also offers internet banking. You can access your personal page in the bank’s official website if you want to check your balance or would like to know how much rewards points you have already earned. You don’t have to wait for your next billing statement to arrive in your mail. If you need any help regarding your credit card, the customer service team is polite, friendly, and very helpful when assisting their clients. You can call any time for customer support regarding your credit card.

Choose your BDO credit card according to your lifestyle and needs. The most basic BDO credit card is the BDO MasterCard Home, which is useful when paying for basic needs for the home such as utilities and groceries. If you like to shop in SM Malls, consider getting a BDO Shop More MasterCard. There is also a so-called “Virtual Card,” which is useful if you are more likely to shop online. Basically, it is a companion card for your BDO Classic, Titanium, Gold, or Platinum Mastercard.



Featured Credit Cards:

The EDGE MasterCard | BPI Credit Card


FEATURES:

  • Pay a monthly fee of just Php110!
  • Get wonderful discounts and privileges with the trendiest shops and stylish clubs!
  • Avail of finance charge of 3.4%
  • Reload your mobile phone automatically thru SMS and get 24/7 access to credit limit online and through your phone!
  • Maximize your spending power with the BPI Edge MasterCard as you enjoy discounts and perks with your friends in over 30 million institutions worldwide!
  • Earn 1 Reward Points with just Php50 worth of transaction charged with your card!

BDO GOLD MASTERCARD


FEATURES:

  • Avail of FREE Annual fee for the initial year!
  • Spend at least Php180000 per year and get FREE ANNUAL FEE FOR LIFE!
  • Shop, dine and travel anywhere around the world with the BDO MasterCard Gold!
  • Get one point for every Php50 worth of purchase and trades them for a reward you want!
  • Avail of the Dual Currency Billing Option!
  • Leave all your worries and concerns behind with the Travel Accident and Inconvenience Insurance Coverage of up to P5 Million exclusive for BDO Gold Cardholders!
  • Enjoy unlimited discounts and privileges with the BDO MasterCard Gold!
  • Worry no more with BDO’s light and easy installment programs!

BPI Credit Card – Express Classic


FEATURES:

  • Pay for just Php1250 for your primary card!
  • Get the lowest finance charge of just 2.75%!
  • The BPI Classic card lets you shop and dine with friends and family anywhere since it  is accepted in 20,000 establishments nationwide!
  • Avail of FREE Travel Insurance Package when you charge your fare with the BPI Classic card.
  • Avail of BPI Express Classic card’s S.I.P. facility that lifts the problem with you paying high-ticket items by easy to pay installment terms!
  • Get cash advance for up to 30% of your credit limit!
  • Earn free miles with every Php35 worth of transaction charged to your BPI Express card!
  • Transfer your balance with just 1% add-on interest rate per month!
  • Enjoy 24/7 customer service anytime, anywhere!

HSBC Premier Credit Card


FEATURES:

<ul>
<li>Perpetually waived annual fee for the Primary and supplementary cards</li>
<li>No worries as you shop, dine and travel with the HSBC Premium Credit Card because it is accepted in 24 million establishments worldwide.</li>
<li>Earn 1 Rewards point in every Php5 spent and use these to redeem one of a kind Rewards Item.</li>
<li>Lost your card? HSBC will replace it for you the next day with emergency cash advance of $2,000.<span style="mso-spacerun: yes;">&nbsp;&nbsp; &nbsp; &nbsp;&nbsp;</span></li>
<li>Relish on magnificent discounts when dining, shopping or just going around the world for fun in over 40 countries and territories.</li>
<li>Share the benefits of being an HSBC Premier Credit Cardholder and still manage their spending.</li>
</ul>

Featured Articles:

Should you let your kid have his own credit card?

Fact: there is already an increase of teens and college students who have their own credit cards. Credit card companies now aim on the two groups since they are the ones who spend more money than adults.

Educate your child on how to manage spending with a credit card. Parents an even use instances in the present state of affairs as an example to discuss to kids the pros and cons of credit cards.

Smaller credit limits are usual with these types of cards and while it may be easy to apply for one, credit card companies charge large interest rates and fees to the teenage credit card holders.

People who are below 18 are not legitimate in obtaining credit cards without the consent of their parents. Unfortunately, some kids fill out forms and receive credit cards without the knowledge of their parents. To avoid this, talk to them and help them realize the importance of beginning a solid credit history with their first card. Emphasize that it is of utmost importance to their future.

As a parent, start by reading the guidelines with your child. Make sure you call to attention all the terms written on the fine print. Avoid coming to the rescue if the bills get way out of control. This will teach him to be responsible in handling his money. A credit card spent by a teenager and paid by his parents initiates bad credit habits

Let the child bear in mind that his credit card sho uld be used in emergencies only. Monitor ALL his spending activities. Some credit cards even allow the parents to create their own credit limit for the supplementary cards. This is very logical especially if you are too busy with your career.

Parents can help their kids spend sensibly with the correct use of credit cards. At this early stage, it is better to prepare them in the reality of life by teaching them not to abuse its benefits.