How to Apply for BDO Credit Card

While many personal finance experts advise people not to use credit cards to avoid debt, you can actually have one IF you think you can use and manage it responsibly.

Having a credit card has many advantages including the following:

  • It allows you to purchase items online and offline
  • It offers cash back and rewards points that you can use for your next purchases.
  • It can improve your credit score if used properly

And these days, applying for a credit card here in the Philippines is no longer as complicated as before. In fact, it can be as simple as entering your information into an online form and clicking “submit” then a representative from the bank will get in touch with you to verify your information and process your application.

Banco De Oro Unibank or BDO offers various types of credit cards and if you’re planning to apply, I’ll share with you all the details here…


Eligibility Criteria

  1. You must be 21-70 years old if you’re applying as a primary holder and at least 13 years old for the supplementary holder.
  2. You must be a Filipino citizen or a foreigner who is a resident in the Philippines for the last 2 years.
  3. You must be a regular employee or if self-employed, with business operating for at least 2 years.
  4. You must be earning at least ₱180,000 per annum.
  5. You must have at least one landline phone.
  6. Residence or Office Address must be within any area where a BDO branch is located.


  • Photocopy of your latest W2 or BIR Form 2316 signed by employer’s authorized representative (for employed) or photocopy of latest ITR (for self employed)
  • A photocopy of the front of your existing credit card
  • Photocopy of last two (2) month’s credit card statement of account
  • Any valid, photo-bearing ID issued by an official authority shall be acceptable such as the following:

List of Valid IDs with Photo:

  • Passport
  • Driver’s License
  • Professional Regulations Commission (PRC) ID
  • Social Security System (SSS) Card with photo and scanned signature printed on the card
  • Voter’s ID
  • Government Service Insurance System (GSIS) e-card
  • Philhealth card
  • Senior Citizen Card
  • OFW ID
  • Seaman’s book
  • Company ID (Sec Registered or under BSP supervision)

For applicants with NO existing credit cards

For EMPLOYED (Required):

  • Photocopy of latest BIR Form 2316 signed by employer’s authorized representative
  • Original copy of Certificate of Employment and Income (COEI) indicating status, length of service, and compensation breakdown
  • Photocopy of latest full month payslip

For SELF-EMPLOYED (Required):

    • Photocopy of Registration of Business Name
    • For Single Proprietorship issued by DTI
    • For Partnership/Corporation issued by SEC
    • Photocopy of latest ITR and W4 with BIT/Bank Stamp
    • Audited Financial Statements for the last 2 years; OR
    • Bank Statements for the last 3 months

Procedure for BDO Credit Card Application

Step 1 – Prepare the all the Requirements and Documents

Step 2 – Pick the Type of BDO Credit Card

Step 3 – Fill out the Application Form (At the BDO Branch or Online)

For ONLINE Application, fill out the Online Application Form Or Download the Form and fill it out

Step 4 – Submit the Application Form And All the Requirements And Documents

Step 5 – Check Credit Card Application Status


Step 6 – Once approved, your BDO credit card will be delivered to your home address.

Just expect it within 7 days from the date of the approval. If you don’t receive it within that period, you may contact BDO Hotline 631-8000 to inquire about the status of your credit card application.

Activation of your BDO Credit Card

Once you have your credit card, you may activate it by calling your bank provider. And once it’s activated, you can start using your credit card for your important purchases. Again, make sure that you use it responsibly and pay your bills on or before its due date to avoid late payment charges and other penalties.

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  1. Bienvenida Penetrante says

    Dear Sir/Madam
    This is Bienvenida Penetrante from Riyadh I apply for credit card online but o didn’t received the promo code that why I wasn’t able to complete my application online. Thank you and regards

  2. eloida a.tallod says

    good pm i’d like to apply for a credit card but remittance lang yungincome ko but i have my sss contribition wala akong tin no can i apply thanks…

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