BDO Visa Signature: fees, interest and requirements
The BDO Visa Signature has an annual fee of ₱5,500 a year, charges 3% a month on unpaid balances and needs a minimum income of ₱1,980,000 a year.
Verdict: Worth it if you fly often enough that its miles or lounge access are worth more than ₱5,500 a year to you. Skip it if you earn under ₱1,980,000 a year.
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 ₱5,500 annual fee and a year comes to ₱6,712, 114th lowest of 127 cards open to the public (tied with 3).
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 Signature gives you
- Complimentary Priority Pass Airport Lounge Access: Get access to over 1,900 VIP airport lounges worldwide via Priority Pass. Enjoy 2 complimentary visits per calendar year. BDO card 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 Signature
| If | Then |
|---|---|
| You pay in full every month and want a travel and miles card | The EastWest Platinum Mastercard (EastWest) asks the same or a lower income and costs ₱5,500 a year less. Pick the BDO Visa Signature only if its rewards are worth more than that to you. |
BDO Visa Signature downsides, and what a late payment costs
- Needs at least ₱1,980,000 a year in income.
- The ₱5,500 yearly fee has no waiver on the fee table.
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 Signature annual fee, interest and charges
| Charge | BDO Visa Signature | When, and the rule |
|---|---|---|
| Annual fee | ₱5,500 a year Supplementary: free | 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 | 1.7% | 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 ₱1,980,000 a year (about ₱165,000 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 Signature BDO | ₱5,500 a year | 3% | ₱6,712 | ₱1,980,000 a year |
| Metrobank Travel Signature Visa Metrobank | ₱5,500 a year first year free | 3% | ₱6,712 | ₱700,000 a year |
| Metrobank World Mastercard Metrobank | ₱6,000 a year first year free | 3% | ₱7,212 | ₱700,000 a year |
| UnionBank Miles+ Visa Signature UnionBank | ₱5,000 a year | 3% | ₱6,212 | ₱360,000 a year |