How To Get A BDO Platinum Mastercard

Getting a credit card for yourself is quite liberating and makes you feel more responsible because you are navigating how to use borrowed money. The credit card we will be talking about today is provided by Banco de Oro (BDO) bank. 

The BDO Platinum Mastercard boasts a ton of cool and accessible features that allows you to save money while spending. It offers dual currency billing and comes attached with free travel and accident insurance. 

Before getting the card, you should first take an overview of its advantages, fees, and requirements. With this in mind, read what’s next to learn more about BDO Platinum Mastercard and how to apply. 

How To Get A BDO Platinum Mastercard

BDO Platinum Mastercard Features

Every purchase on the credit card will get you points that can be redeemed later. The users get one point credited to their account for every one peso spent in the country and for every dollar spent abroad. 

Furthermore, this card comes with up to 20 million pesos worth of accident and travel insurance. While making purchases abroad at the merchant vendors and destinations, you are eligible to earn points. 

Lastly, with the BDO Platinum MasterCard, you can pay for the expenses in dual currency, pesos, and dollars. This means that you have the option to either pay in USD or Pesos depending upon the exchange and choose which suits you better. 

Pros and Cons of BDO Platinum Mastercard

This card invites a 0% interest rate on purchases made in partner stores. So, always keep an eye out when you are shopping. Added to this, at some stores, you can get an installment plan for the products. 

With every 80 pesos or $2 spent, you will also earn one mileage point. Accumulating these points will get you added benefits and rewards. Lastly, during an emergency, you can get 30% of the assigned credit limit as a cash advance. 

One of the aspects that is not liked by the existing users is the customer care service associated with the card. Users have complained that the card’s customer service is not empathetic or helpful in resolving issues. 

BDO Platinum Mastercard Fees

  • Sign-up Fee – P4500/year
  • Annual Fee – P4500/Year  – Only applicable for the first year; post this, the card is free for life
  • Interest Rate – 3% per month
  • Balance Transfer Rate – 13.04% per annum
  • Cash Advance Fee – 5% of the advance amount or P500/$10 (whichever is higher)
  • Foreign Transaction Fee – 1% Assessment Fee Plus 1.5% Service Fee on the Converted Amount
  • Late Payment Fee – 7% of the Overdue Amount

Credit Card Eligibility

Both foreigners and Filipino residents can get this card, with more or less similar conditions. For a foreigner to become eligible for the card, the interested party must have been staying in the country permanently for the last 2 years. 

Moving on, the age limit is 21 to 70 years for the principal holder, and for any supplementary cardholder, the limit is 13 years. 

Any person looking to apply for the card must be earning a minimum of P1,200,000 per annum and working as a regular employee or self-employed for the last 2 years. The person should also have one landline phone or a postpaid mobile phone. 

How to Get a BDO Platinum Mastercard

Well, there are two ways to apply for the card. The first option is filling the online form and completing the requirements. Make sure to fill the correct information if you do not want any irregularities to cancel your eligibility. 

The second method is by directly walking into the bank and filling out the form there. Filling the form physically might take some time, but you will be able to get all the answers to your questions from the representative on the spot.

BDO Address and Contact

Do you have some questions about the BDO Platinum Mastercard? Well, you can always contact the bank directly at the address given below. 

BDO Corporate Center,

7899 Makati Avenue,

Makati City 0726, Philippines.

Phone – (+632) 8840-7000

How To Get A BDO Platinum Mastercard


The BDO Platinum Mastercard is an ideal choice if you’re inclined towards earning bumper cashback on your everyday spending. 

BDO also has other offerings, and you should check them out as well as other cards before applying anywhere. Choose a card that is right for your lifestyle, not just one that is quick to apply for.

Note: There are risks involved when applying for and using credit products. Ensure you consult the bank’s terms and conditions page before agreeing to anything.