BDO Gold UnionPay: fees, interest and requirements
The BDO Gold UnionPay has a monthly membership fee of ₱200, waived for the first three years, 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 ₱2,400 a year to you. The first three years are 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 charges 2.3% on foreign purchases against 2.5%, runs on UnionPay, 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 UnionPay gives you
- Cashless Payments in China: Enjoy free transaction fees on Alipay and WeChat. BDO card page
BDO Gold UnionPay downsides, and what a late payment costs
- The ₱2,400 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 Gold UnionPay annual fee, interest and charges
| Charge | BDO Gold UnionPay | When, and the rule |
|---|---|---|
| Annual fee | ₱200 a month | Billed monthly: ₱2,400 over twelve statements. Enjoy waived membership fee for the first three years. 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 | 2.3% | 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