How to Get a BDO Titanium Mastercard

Having the BDO Titanium Mastercard provides an excellent avenue to earn rewards points for every use of the card. It comes handy for frequent travelers who are in need of a card to pay for different transactions abroad. What makes this card valuable is the ability to earn points even if you are using the card outside the Philippines.

Aside from the generous rewards system, Titanium Mastercard cardholders are also entitled to the Free Travel Accident & Inconvenience Insurance Coverage. Get up to Php 20,000,000 travel accident with inconvenience benefits for every use of the card.

Interested in finding out more about the BDO Titanium Mastercard? Read on to learn more about the features, benefits, and fees associated with this credit card. In addition, you can learn about the weakness of the card and check whether it is a good fit for you.

BDO Titanium Mastercard Application

Features and Benefits

One of the reasons to love this credit card is the Dual Currency Billing Option feature. Save money on interests and additional charges for using the card outside the Philippines. Under the Dual Currency Billing Option, your local transactions will be billed in Philippine Peso and international expenses in currencies other than the Philippine Peso. It’s a great feature that travelers can enjoy and take advantage of when shopping or dining in another country.

If you love dining in restaurants, you can definitely save up to 50% off on rewards programs that involve merchant discounts. BDO rewards make it exciting for cardholders to explore the privileges in store each month. The rewards are also endless, plus some partner stores provide no amount capping, meaning cardholders can avail of the rewards without a minimum amount to spend.

In addition to BDO rewards, cardholders can also get exclusive deals from Mastercard. Get up to 30 percent in discounts from partner brands all over the world.


The only downside of this credit card is the huge annual fee of Php 4,500 per year. For a rewards card, this fee is definitely high compared to other credit cards from other banks. In addition, you will be charged assessment and service fees for every use of the card outside the Philippines.


To qualify as a cardholder, applicants need to be at least 21 years old, a Filipino citizen, and employed. Additional requirements and supporting documents are required to verify the information.

For employed applicants, proof of income is needed. A photocopy of the latest Income Tax Return or Form 2316 must be provided. Moreover, a photocopy of the latest full month payslip is needed. Self-employed applicants need a photocopy of the Registration of Business Name, Photocopy of latest ITR, and audited financial statements for the past 2 years.

How to Apply

There are two ways to apply. One is through the online application, wherein you will fill out a form on the BDO website and wait for a decision. You can also visit the nearest BDO branch to apply. If you opt for the second option, you need to bring with you the required supporting documents.

Note that BDO has the right to decline an applicant’s application if he or she did not satisfy the requirements set by the bank. The credit limit is also determined by BDO, depending on the applicant’s financial circumstance.

APR & Charges

  • Annual Fee – Php 4,500 a year
  • Monthly Effective Interest Rate – 2.75%
  • Cash Advance – 5% or Php 500 of every cash advance
  • Foreign Transaction Fee – 1% assessment fee charge plus 1.5% service charge
  • Late Payment Fee – 7% of the overdue amount

Bank Address & Contact Details

If you have any complaints when applying for and using the BDO credit cards, you can contact the hotline at 631-8000 for the customer contact center and +8000 8631 8000 for international toll-free calls. If you prefer to email customer support, send emails to

The BDO main office address is located at 7899 Makati Avenue, Makati City, Philippines.


Get the BDO Titanium Mastercard today to enjoy the countless perks that come with it. Enjoy a free travel accident insurance and a generous reward system for every use of the credit card. For more information, you can visit the website of Banco de Oro.


Note: There are risks involved when applying for and using a credit card. Please see the bank’s Terms and Conditions page for more information.