The BDO Visa Gold Credit Card is designed for Filipinos who want a reliable, mid-tier credit card that combines everyday convenience with premium privileges. Whether you’re shopping locally or traveling abroad, this card offers useful perks that enhance your lifestyle and financial flexibility.

Key Features and Benefits

1. Worldwide Acceptance

As a Visa card, it is accepted at millions of establishments worldwide, giving cardholders access to seamless transactions whether in the Philippines or abroad.

2. Free Travel Insurance

When you use your BDO Visa Gold to book airline tickets or travel packages, you automatically get free travel insurance coverage of up to ₱5 million, including travel accident and inconvenience benefits.

3. Zero Percent (0%) Installment Program

Enjoy 0% interest on installment purchases with participating merchants. This is especially useful for big-ticket items such as appliances, gadgets, and furniture. Terms vary from 3 to 36 months, depending on the store.

4. Dual Currency Billing

This feature lets you pay for international transactions in US dollars, helping you avoid unnecessary currency conversion fees. Local transactions are billed in pesos.

5. Rewards Program

Earn 1 BDO point for every ₱50 spend. Points are redeemable for shopping credits, airline miles, gift certificates, and other exclusive items in BDO’s rewards catalog.

6. Easy and Flexible Payment Options

Minimum payment: Only 3% of your total balance or ₱200, whichever is higher.

Payment channels include online banking, mobile apps, ATMs, and BDO branches.

Apply for BDO Visa Gold Credit Card

Fees and Charges

Annual Fee: ₱2,800 (Waived for the first year for new applicants)

Supplementary Card Fee: ₱1,400

Finance Charge: 3% per month

Late Payment Fee: ₱1,000 or 7% of the minimum amount due, whichever is lower

Cash Advance Fee: 5% of amount withdrawn or ₱500, whichever is higher

Eligibility Requirements

To apply for the BDO Visa Gold Credit Card, you must:

Be 21 to 70 years old
Have a minimum gross annual income of ₱420,000
Be a Filipino citizen or a foreigner with a permanent residence in the Philippines
Have a landline or postpaid mobile number

Document Requirements

1. Valid ID (government-issued)

2. Latest income documents:

For employed: Latest ITR and payslip or Certificate of Employment
For self-employed: Audited Financial Statement, DTI or SEC registration, ITR

Apply for BDO Visa Gold Credit Card

Who is This Card For?

This credit card is ideal for:

Young professionals or entrepreneurs who are building their credit

Frequent travelers who want automatic travel insurance and dual currency billing

Big spenders who want to earn and redeem reward points consistently

Pros and Cons

Pros:

Generous travel insurance coverage

Reward points never expire

Dual currency feature reduces forex losses

Trusted brand with strong customer support

Cons:

Annual fee is higher than entry-level cards

Travel perks are limited compared to Platinum or Elite cards

No airport lounge access or concierge services

How to Apply

Step 1: Submit Application

Complete all required documents

and submit.

Step 2: Application Approval

Get an update on the status of your application via SMS and/or email.

Step 3: Card Delivery

Receive another notification

once your card has been

released for delivery.

Step 4: Card Activation

Activate your credit card

real-time.

Apply for BDO Visa Gold Credit Card

Pro Tip: If you already have a BDO savings account or payroll account, applying for the BDO Visa Gold may be faster and easier. Visit your nearest branch or apply online via www.bdo.com.ph.

Final Verdict

The BDO Visa Gold Credit Card is a solid middle-tier credit card that balances cost and benefits. It’s a great choice for those who want practical features like installment flexibility, travel coverage, and reward points without jumping to a premium tier. While it lacks luxury travel perks, it still packs strong value for most everyday and occasional travel use cases.

Other Credit Cards to Try

BDO Visa Gold Credit Card: Full Review and Guide (2025)

Key Features and Benefits

1. Worldwide Acceptance

As a Visa card, it is accepted at millions of establishments worldwide, giving cardholders access to seamless transactions whether in the Philippines or abroad.

2. Free Travel Insurance

3. Zero Percent (0%) Installment Program

4. Dual Currency Billing

This feature lets you pay for international transactions in US dollars, helping you avoid unnecessary currency conversion fees. Local transactions are billed in pesos.

5. Rewards Program

Earn 1 BDO point for every ₱50 spend. Points are redeemable for shopping credits, airline miles, gift certificates, and other exclusive items in BDO’s rewards catalog.

6. Easy and Flexible Payment Options

Minimum payment: Only 3% of your total balance or ₱200, whichever is higher.

Payment channels include online banking, mobile apps, ATMs, and BDO branches.

Apply for BDO Visa Gold Credit Card

Fees and Charges

Annual Fee: ₱2,800 (Waived for the first year for new applicants)

Supplementary Card Fee: ₱1,400

Finance Charge: 3% per month

Late Payment Fee: ₱1,000 or 7% of the minimum amount due, whichever is lower

Cash Advance Fee: 5% of amount withdrawn or ₱500, whichever is higher

Eligibility Requirements

To apply for the BDO Visa Gold Credit Card, you must:

Be 21 to 70 years old
Have a minimum gross annual income of ₱420,000
Be a Filipino citizen or a foreigner with a permanent residence in the Philippines
Have a landline or postpaid mobile number

Document Requirements

1. Valid ID (government-issued)

2. Latest income documents:

For employed: Latest ITR and payslip or Certificate of Employment
For self-employed: Audited Financial Statement, DTI or SEC registration, ITR

Apply for BDO Visa Gold Credit Card

Who is This Card For?

This credit card is ideal for:

Young professionals or entrepreneurs who are building their credit

Frequent travelers who want automatic travel insurance and dual currency billing

Big spenders who want to earn and redeem reward points consistently

Pros and Cons

Pros:

Generous travel insurance coverage

Reward points never expire

Dual currency feature reduces forex losses

Trusted brand with strong customer support

Cons:

Annual fee is higher than entry-level cards

Travel perks are limited compared to Platinum or Elite cards

No airport lounge access or concierge services

How to Apply

Step 1: Submit Application

Complete all required documents

and submit.

Step 2: Application Approval

Get an update on the status of your application via SMS and/or email.

Step 3: Card Delivery

Receive another notification

once your card has been

released for delivery.

Step 4: Card Activation

Activate your credit card

real-time.

Apply for BDO Visa Gold Credit Card

Pro Tip: If you already have a BDO savings account or payroll account, applying for the BDO Visa Gold may be faster and easier. Visit your nearest branch or apply online via www.bdo.com.ph.