BDO Gold Mastercard: fees, interest and requirements
The BDO Gold Mastercard has a monthly membership fee of ₱200, 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 the points you redeem are worth more than ₱2,400 a year. 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 ₱200 a month in membership fees (₱2,400 a year) and a year comes to ₱3,612, 43rd lowest of 127 cards open to the public (tied with 4).
BDO's closest card is the BDO Visa Gold. Against it, this card earns rewards on different terms, runs on Mastercard, 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 Gold Mastercard gives you
- Get 1 Peso Point for every P1,000 qualified spend. BDO card page
- Up to ₱10 Million free Family Travel Insurance: Charge your travel tickets to your card and explore the world without worries. same page
- Buy Now Pay Later: Enjoy extended payment terms at 0% interest in over 25,000 in-store and online partners nationwide. same page
Who should get the BDO Gold Mastercard
| If | Then |
|---|---|
| You pay in full every month and want a rewards points card | The PNB Essentials Mastercard (PNB) asks the same or a lower income and costs ₱1,200 a year less. Pick the BDO Gold Mastercard only if its rewards are worth more than that to you. |
BDO Gold Mastercard downsides, and what a late payment costs
- The ₱2,400 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 Gold Mastercard annual fee, interest and charges
| Charge | BDO Gold Mastercard | When, and the rule |
|---|---|---|
| Annual fee | ₱200 a month | Billed monthly: ₱2,400 over twelve statements. Your first year membership is on us! First Supplementary Cardholder is free for life. Fee table: Principal card P200 / month; supplementary card P100 / month, first supplementary card free for lifeBDO 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 Gold Mastercard BDO | ₱200 a month first year free | 3% | ₱3,612 | ₱396,000 a year |
| Toyota Mastercard Metrobank | ₱2,500 a year first year free | 3% | ₱3,712 | ₱180,000 a year |
| Metrobank Rewards Plus Visa Metrobank | ₱2,500 a year first year free | 3% | ₱3,712 | ₱180,000 a year |
| Metrobank Titanium Mastercard Metrobank | ₱2,500 a year first year free | 3% | ₱3,712 | ₱350,000 a year |