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Application Requirements

Go for the Gold life with premium card rewards that suit every kind of
Visa Gold Exclusive: 2x Credit Card Points on all dining and
entertainment spend
Celebrate every golden moment with your BDO Visa Gold and get rewarded with
double credit card points for all qualified spend all year round. Learn more
Golden Dining Privileges Delight yourself with exclusive treats as you wine
and dine at our partner establishments and enjoy extraordinary perks and

Golden Entertainment Privileges See the latest movie blockbusters and

performances from international performers with huge savings on your ticket
Golden Travel Privileges
Go on an unforgettable getaway with the family with your BDO Visa Gold as we
partner with resorts and hotels that give you only the best value.
FREE Travel Insurance Coverage
Get up to Php 5 Million Travel Accident and Inconvenience Insurance for FREE! Just
charge your travel expenses (airline tickets and means of public transport) to your
BDO Visa Gold every time you travel abroad.
Please visit for more details on exclusive perks and

Please click here for the Travel Insurance Coverage and Provisions.

Please check Terms and Conditions for details.

Click here to view Table of Fees and Charges and Sample Finance Charge
Installment Programs

EasyPay Installment
You can now spend for all the appliance, furniture, gadgets, jewelry or clothes you want without worry. The
EasyPay Installment program allows you to purchase items on installment from over 11,000 partner stores
nationwide. Choose from 3, 6, 9, 12, 18, 24 and 36 monthly installment* for a minimum single purchase amount
of P3,000**.

Avail EasyPay Installment through any of the following:

o Absolutely 0% Interest*
o Easy and affordable monthly add-on interest rates

Plus, take advantage of special extended installment terms when you Buy Now Pay Later and catch
exclusive discounts and latest offers during special promo dates.

* Merchants have sole discretion on the terms / items applicable for the Absolutely 0% Interest
** Minimum installment purchase amount may vary per partner merchants

Other EasyPay Installment Options

o Balance Transfer
Transfer your other banks' credit card balances to your BDO Credit Card and save on high interest
o EasyPay Cash
Reimburse your Official Receipts (ORs) back to cash worth at least P5,000 at affordable installment
o EasyPay Convert
No installment scheme offered at your favorite store? Good news! You can convert almost anything
into installment using your BDO Credit Card! Simply call 631-8000 or apply online
via and convert any of your regular purchases*** worth at least P3,000.

***Cash Advance, any transaction associated with Gambling, any Money Transfer or similar cash
transaction, and any other BDO installment transactions like Absolutely 0% Interest, EasyPay
Regular Installment, etc. are not qualified for EasyPay Convert.

BDO Credit Cards, ready to shop online!

BDO Credit Cards make online shopping secure, lighter and more enjoyable:

Secure via Virtual Card

Get a free Virtual Card - the Virtual Card is a credit card designed exclusively for use in the Internet; it has a
different card number from your regular BDO credit card to protect your regular card number and credit line.
Lighter via Online Installment
EasyPay Convert any online transaction into monthly installment by calling the BDO Customer Contact Center
or applying online via; further, enjoy scheduled Absolutely 0% Interest and Buy
Now, Pay Later installment schemes at selected websites.
More enjoyable via Exclusive Online Deals
Enjoy discounts, exclusive deals and freebies when you use your BDO Credit Card at partner websites.

Get perks and privileges, freebies and discounts just by using your BDO Visa Gold Credit Card at our partner stores.
Whether youre shopping, dining, traveling or simply relaxing, use your BDO Visa Gold Credit Card and youll surely be

Spend ANYWHERE with your BDO Visa Gold Credit Card and get instant treats, on top of the points you earn.
Bills Payment

Charge on Demand
Dont worry about your bills when going out of town or vacation. Use BDO Credit Cards Charge-On-
Demand. This facility lets you charge your utility bills on a per need basis. Simply log on
to or call 631-8000.
Auto Charge
Hate lining up to pay bills? Too many due dates to remember? Pay your bills the fast and convenient way with
BDOs Auto-Charge. This facility allows you to enroll multiple utility bills to your BDO Credit Card so you only
have one due date to remember. To learn more about this facility, click here.

24-hour Customer Service

For your Customer Service needs, just call the 24-hour BDO Customer Contact Center at 631-8000 or 1-800-10-
6318000 (Domestic Toll Free).

Payment Channels

BDO Branch Counters cash or check payments are accepted at any branch
BDO eBanking* transact anytime, anywhere in the world, through
BDO Phone Banking* - access your BDO account to pay for your Card using any touch-tone phone. Just call
SM Bills Payment Counters pay for your Card through SM Bills Payment.

*Enrolment of your BDO account is required to avail of this payment facility.

Worldwide Acceptance
BDO Visa Gold Credit Cards are accepted worldwide wherever Visa cards are recognized.

Eligibility Criteria

Must be 21 - 70 years old for principal; at least 13 years old for supplementary cardholders
Must have at least one landline phone
Must be a Filipino citizen or a foreigner who is a permanent resident in the Philippines for the last 2 years
Must be a regular employee or if self-employed, with business operating for at least 2 years
Residence or Office Address must be within any area where a BDO branch is located
Income Requirement: Php 420,000 gross annual income

Documentary Requirements
A. Applicants with Existing Credit Cards
Photocopy of the following:

1. Credit card charge slip (not more than 30 days old from transaction date) or latest credit card statement of
2. Front of existing credit card
3. Front and back of valid ID with signature and photo, issued and signed by an official authority: Passport,
Driver's License, Professional Regulations Commission (PRC) ID, National Bureau of Investigation (NBI)
Clearance, Police Clearance, Postal ID, Voter's ID, Barangay Certification, Government Service Insurance
System (GSIS) E-Card, Social Security System (SSS) Card, TIN ID, Alien Certification of Registration or
Immigrant Certificate of Registration, Government Office (e.g. Armed Forces of the Philippines (AFP), Home
Development Mutual Fund (HDMF)) IDs and other valid IDs issued by the Government and its
4. Photocopy of your latest BIR Form 2316 signed by employer's authorized representative (for employed) or
photocopy of latest ITR and W4 with BIR stamp (for self employed)
B. Applicants without Existing Credit Cards - Photocopy of the following:

1. Proof of Income

a. For Employed (Required): Photocopy of latest BIR Form 2316 signed by employer's authorized
representative AND one of the following:

Original copy of Certificate of Employment and Income (COEI) indicating status, length of service, and
compensation breakdown
Photocopy of latest full month payslip

b. For Self-Employed (Required):

Photocopy of Registration of Business Name:

o For Single Proprietorship issued by DTI
o For Partnership/Corporation issued by SEC
Photocopy of latest ITR and W4 with BIT/Bank stamp
o Audited Financial Statements for the last 2 years; OR
o Bank Statements for the last 3 months

2. Proof of Identification

For Foreigners

1. Copy of Employment Contract or Certificate of Employment

2. Letter from Embassy (if Embassy Official)
3. Submit photocopy of ANY ONE of the following:
Valid Passport with Resident Visa
Work Permit and Valid Visa
Special Investor's Resident Visa and Visa's Philippine Economic Zone Authority or Visa with
ACR or ICR or ACR-1

For concerns regarding your application, email us at