BDO JCB Lucky Cat: fees, interest and requirements
The BDO JCB Lucky Cat has a monthly membership fee of ₱150, charges 3% a month on unpaid balances and needs a minimum income of ₱180,000 a year.
Verdict: Worth it if you fly often enough that its miles or lounge access are worth more than ₱1,800 a year to you. Skip it if you earn under ₱180,000 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 ₱150 a month in membership fees (₱1,800 a year) and a year comes to ₱3,012, 34th lowest of 127 cards open to the public (tied with 4).
BDO's closest card is the BDO Visa Classic. Against it, this card runs on JCB, not Visa 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 JCB Lucky Cat gives you
- JCB Plaza lounge services: Enjoy free access to JCB Plaza lounges. BDO card page
- JCB Global Wifi: Stay connected wherever in Japan with JCB Global WiFi. Enjoy an exclusive discount on Wi-Fi router rental. same page
Who should get the BDO JCB Lucky Cat
| 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 ₱1,800 a year less as long as you use it monthly. Pick the BDO JCB Lucky Cat only if its rewards are worth more than that to you. |
BDO JCB Lucky Cat downsides, and what a late payment costs
- The ₱1,800 yearly fee has no waiver on the fee table.
- 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 JCB Lucky Cat annual fee, interest and charges
| Charge | BDO JCB Lucky Cat | When, and the rule |
|---|---|---|
| Annual fee | ₱150 a month | Billed monthly: ₱1,800 over twelve statements. 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 ₱180,000 a year (about ₱15,000 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 JCB Lucky Cat BDO | ₱150 a month | 3% | ₱3,012 | ₱180,000 a year |
| Maya Black Credit Card Maya | No annual fee if used monthly | 3% | ₱1,212 | ₱180,000 a year |
| PNB Essentials Mastercard PNB | ₱1,200 a year first year free | 3% | ₱2,412 | ₱120,000 a year |
| PNB-PAL Mabuhay Miles NOW Mastercard PNB | ₱1,000 a year first year free | 3% | ₱2,212 | ₱120,000 a year |