BDO HOPE Mastercard: fees, interest and requirements
The BDO HOPE Mastercard has an annual fee of ₱1,200 a year, 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 its perks are worth more than ₱1,200 a year to you. The first year is free. Skip it if you earn under ₱396,000 a year.
From BDO FC-ELITE 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 the ₱1,200 annual fee and a year comes to ₱2,412, 18th lowest of 127 cards open to the public (tied with 4).
BDO's closest card is the BDO Gold Mastercard. Against it, this card costs ₱1,200 a year instead of ₱2,400, charges 1.85% on foreign purchases against 2.5% 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 HOPE Mastercard gives you
- Made from 100% Recycled Plastic: Your card uses sustainable material to reduce carbon footprint. BDO card page
BDO HOPE Mastercard downsides, and what a late payment costs
- The ₱1,200 fee is charged every year after the waiver ends.
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 HOPE Mastercard annual fee, interest and charges
| Charge | BDO HOPE Mastercard | When, and the rule |
|---|---|---|
| Annual fee | ₱1,200 a year Supplementary: ₱600 a year | Enjoy free membership for the first year! For succeeding years, a portion of your non-waivable Membership Fee goes to building public school classrooms through HOPE. 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 | 1.85% | same table |
Figures from BDO FC-ELITE 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