BDO ShopMore Mastercard: fees, interest and requirements
The BDO ShopMore Mastercard has a monthly membership fee of ₱150, waived in the first year, charges 3% a month on unpaid balances and needs a minimum income of ₱180,000 a year.
Verdict: Worth it if the points you redeem are worth more than ₱1,800 a year. The first year is free. 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 Standard Mastercard. Against it, this card earns get 2x Peso Points from your everyday, everywhere purchases. (the other: get 1 Peso Point for every P1,000 qualified spend.) 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 ShopMore Mastercard gives you
- Get 2x Peso Points from your everyday, everywhere purchases. BDO card page
- Buy Now Pay Later: More time to pay! Buy from over 25,000 in-store or online partners nationwide and pay later at 0% interest installment. same page
- Made from 100% Recycled Plastic: More love for Mother Earth! BDO ShopMore is made from 100% recycled plastic same page
Who should get the BDO ShopMore 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 ₱600 a year less. Pick the BDO ShopMore Mastercard only if its rewards are worth more than that to you. |
BDO ShopMore Mastercard downsides, and what a late payment costs
- The ₱1,800 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 ShopMore Mastercard annual fee, interest and charges
| Charge | BDO ShopMore Mastercard | When, and the rule |
|---|---|---|
| Annual fee | ₱150 a month | Billed monthly: ₱1,800 over twelve statements. Your first year membership is on us. Plus, enjoy low monthly membership fee of ₱150/month on the 13th month onwards. 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 ShopMore Mastercard BDO | ₱150 a month first year free | 3% | ₱3,012 | ₱180,000 a year |
| PNB Essentials Mastercard PNB | ₱1,200 a year first year free | 3% | ₱2,412 | ₱120,000 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 |