BDO Diamond UnionPay: fees, interest and requirements
The BDO Diamond UnionPay has an annual fee of ₱5,000 a year, waived above a yearly spend, charges 3% a month on unpaid balances and needs a minimum income of ₱1,116,000 a year.
Verdict: Worth it if its perks are worth more than ₱5,000 a year to you. The fee is waived if you reach the spend the bank sets. Skip it if you earn under ₱1,116,000 a year or if you will not reach the spend that waives the ₱5,000 fee.
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 ₱5,000 annual fee and a year comes to ₱6,212, 103rd lowest of 127 cards open to the public (tied with 10).
BDO's closest card is the BDO American Express Platinum Credit Card. Against it, this card charges 1.65% on foreign purchases against 1.85%, runs on UnionPay, not American Express 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 Diamond UnionPay gives you
- Cashless Payments in China: Enjoy free transaction fees on Alipay and WeChat. BDO card page
- Dual currency Billing Option: Have the flexibility to pay in Philippine Peso or US Dollar in one card. same page
Who should get the BDO Diamond UnionPay
| If | Then |
|---|---|
| You pay in full every month and want a premium card | The Maya Black Credit Card (Maya) asks the same or a lower income and costs ₱5,000 a year less as long as you use it monthly. Pick the BDO Diamond UnionPay only if its rewards are worth more than that to you. |
BDO Diamond UnionPay downsides, and what a late payment costs
- Needs at least ₱1,116,000 a year in income.
- The ₱5,000 fee is waived only if you spend ₱600,000 a year.
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 Diamond UnionPay annual fee, interest and charges
| Charge | BDO Diamond UnionPay | When, and the rule |
|---|---|---|
| Annual fee | ₱5,000 a year Supplementary: free | Enjoy waived membership fee for the first three years and get automatic membership fee waiver on succeeding years when you spend at least ₱600,000 per year. Plus, enjoy lifetime fee waiver for up to six (6) supplementary credit cards! 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 | 1.65% | 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 ₱1,116,000 a year (about ₱93,000 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 Diamond UnionPay BDO | ₱5,000 a year waived above a spend | 3% | ₱6,212 | ₱1,116,000 a year |
| UnionBank Miles+ Visa Signature UnionBank | ₱5,000 a year | 3% | ₱6,212 | ₱360,000 a year |
| UnionBank Miles+ World Mastercard UnionBank | ₱5,000 a year | 3% | ₱6,212 | ₱360,000 a year |
| UnionBank Go Rewards Platinum Visa UnionBank | ₱5,000 a year | 3% | ₱6,212 | ₱600,000 a year |