BDO Standard Mastercard: fees, interest and requirements
The BDO Standard 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 ShopMore Mastercard. Against it, this card earns get 1 Peso Point for every P1,000 qualified spend. (the other: get 2x Peso Points from your everyday, everywhere purchases.) 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 Standard Mastercard gives you
- Get 1 Peso Point for every P1,000 qualified spend. BDO card 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 Standard 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 Standard Mastercard only if its rewards are worth more than that to you. |
BDO Standard 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 Standard Mastercard annual fee, interest and charges
| Charge | BDO Standard 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 Standard 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 |