BDO Diners Club International: fees, interest and requirements
The BDO Diners Club International has a monthly membership fee of ₱250, waived in the first year, charges 3% a month on unpaid balances and needs a minimum income of ₱396,000 a year.
Verdict: Worth it if you fly often enough that its miles or lounge access are worth more than ₱3,000 a year to you. The first year is free. Skip it if you earn under ₱396,000 a year.
From BDO FC-CORE table of fees and charges, dated September 2026. Interest cap, in force since 2023: BSP Circular No. 1165, s.2023.
₱20,000 repaid in 3 equal monthly payments at 3% a month costs ₱1,212 in interest; add ₱250 a month in membership fees (₱3,000 a year) and a year comes to ₱4,212, 64th lowest of 127 cards open to the public (tied with 14).
BDO's closest card is the BDO American Express Cashback Credit Card. Against it, this card earns rewards on different terms, runs on Diners Club, not American Express and has different perks.
BSP supervised: BDO Unibank, Inc., universal and commercial bank, BSP institution ID 30, is on the BSP Verifier list dated Sep 28, 2026.
What the BDO Diners Club International gives you
- Earn one (1) Travel Mile for every ₱50 spend. BDO card page
- Diners Club Airport Lounge and Travel Program: Enjoy access to more than 1,900 Diners Club airport lounges and experiences around the world. same page
- Up to ₱10 Million free Family Travel Insurance: Charge your travel tickets to your card and explore the world without worries. same page
Who should get the BDO Diners Club International
| If | Then |
|---|---|
| You pay in full every month and want a travel and miles card | The Maya Black Credit Card (Maya) asks the same or a lower income and costs ₱3,000 a year less as long as you use it monthly. Pick the BDO Diners Club International only if its rewards are worth more than that to you. |
BDO Diners Club International downsides, and what a late payment costs
- The ₱3,000 fee is charged every year after the waiver ends.
- Foreign currency purchases cost 2.5% extra.
If you pay late: BDO charges up to ₱850, and 3% a month interest runs on what is unpaid. Safe action: pay at least the minimum due by the due date, or the full balance to pay no interest.
BDO Diners Club International annual fee, interest and charges
| Charge | BDO Diners Club International | When, and the rule |
|---|---|---|
| Annual fee | ₱250 a month | Billed monthly: ₱3,000 over twelve statements. Enjoy waived membership fee for the first year. BDO fee table, September 2026 |
| Interest | 3% a month | At the BSP ceiling of 3% a month (Circ. 1165). same table |
| Cash advance | ₱200 a withdrawal | The BSP maximum (Circ. 1165). same table |
| Late payment | ₱850 | same table |
| Foreign transactions | 2.5% | same table |
Figures from BDO FC-CORE table of fees and charges (dated September 2026), BDO card page. BSP ceilings: BSP Circular No. 1165, s.2023. How BDO words its late-fee, foreign-fee and minimum-due rules, the same on all its cards: BDO billing rules.
Requirements and how to apply
Income: at least ₱396,000 a year (about ₱33,000 a month). bank page
Apply with the button below. Channels, documents, status and hotline: BDO contact and requirements.
Interest on your own balance
- Interest you pay at 3% a month:
- ₱1,212
- Monthly payment:
- ₱7,071
- Total you pay:
- ₱21,212
Against similar cards from other banks
| Card | Annual fee | Interest a month | ₱20,000 over 3 months, plus fees | Minimum income |
|---|---|---|---|---|
| BDO Diners Club International BDO | ₱250 a month first year free | 3% | ₱4,212 | ₱396,000 a year |
| UnionBank Gold Visa UnionBank | ₱2,500 a year | 3% | ₱3,712 | ₱360,000 a year |
| UnionBank Miles+ Visa Signature UnionBank | ₱5,000 a year | 3% | ₱6,212 | ₱360,000 a year |
| UnionBank Miles+ World Mastercard UnionBank | ₱5,000 a year | 3% | ₱6,212 | ₱360,000 a year |