BDO Visa Platinum: fees, interest and requirements
The BDO Visa Platinum has an annual fee of ₱4,500 a year, waived above a yearly spend, charges 3% a month on unpaid balances and needs a minimum income of ₱924,000 a year.
Verdict: Worth it if you fly often enough that its miles or lounge access are worth more than ₱4,500 a year to you. The fee is waived if you reach the spend the bank sets. Skip it if you earn under ₱924,000 a year or if you will not reach the spend that waives the ₱4,500 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 ₱4,500 annual fee and a year comes to ₱5,712, 96th lowest of 127 cards open to the public (tied with 5).
BDO's closest card is the BDO Platinum Mastercard. Against it, this card earns rewards on different terms, runs on Visa, not Mastercard 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 Visa Platinum gives you
- Earn one (1) Peso Point for every ₱1,000 or $20 qualified spend. BDO card page
- Free Priority Pass membership: Enjoy the Lounge Class experience with Priority Pass and get access to over 1,900 VIP airport lounges worldwide. same page
- Up to ₱20 Million free Family Travel Insurance: Charge your travel tickets to your card and explore the world without worries. same page
- Visa Concierge Services: Enjoy personalized service on demand. same 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 Visa Platinum
| If | Then |
|---|---|
| You pay in full every month and want a travel and miles card | The Maya Black Credit Card (Maya) asks the same or a lower income and costs ₱4,500 a year less as long as you use it monthly. Pick the BDO Visa Platinum only if its rewards are worth more than that to you. |
BDO Visa Platinum downsides, and what a late payment costs
- The ₱4,500 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 Visa Platinum annual fee, interest and charges
| Charge | BDO Visa Platinum | When, and the rule |
|---|---|---|
| Annual fee | ₱4,500 a year Supplementary: free | Free membership for life for the principal cardholder with a spend of at least ₱600,000 a year. Lifetime annual fee waiver for 6 supplementary accounts. BDO card pageBDO 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 ₱924,000 a year (about ₱77,000 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 Visa Platinum BDO | ₱4,500 a year waived above a spend | 3% | ₱5,712 | ₱924,000 a year |
| Security Bank Platinum Mastercard Security Bank | ₱4,000 a year first year free | 3% | ₱5,212 | ₱780,000 a year |
| UnionBank Go Rewards Platinum Visa UnionBank | ₱5,000 a year | 3% | ₱6,212 | ₱600,000 a year |
| UnionBank Cebu Pacific Platinum UnionBank | ₱5,000 a year | 3% | ₱6,212 | ₱600,000 a year |