Quick and Easy BDO Credit Card Application Online

Published: October 24, 2017 | Updated: October 19, 2020 | Posted by: Venus Zoleta | Credit Card

Need to apply for a credit card but hate to wait in line at the bank? Take the faster and easier route: online application.

Several banks in the Philippines such as BDO accept credit card applications that are filed online. This option is ideal for busy Filipino professionals who can’t apply personally during banking hours and those who don’t want to go through the stress and boredom of standing in line.

Here are some tips to ensure faster approval and the steps for BDO credit card online application.

Important things to remember before you apply

To speed up the processing of your application and increase your chance of getting approved, keep these things in mind before you apply for a BDO credit card:

Make sure you meet the basic eligibility requirements

BDO requires credit card applicants to meet certain qualifications. Meeting all of them assures the bank that you can pay off your monthly balances. If you fail to meet just one basic requirement, your application might get declined.

So be sure you meet all these BDO credit card requirements:

  • Age: 21 to 70 years old
  • Citizenship: Filipino or foreigner who has lived in the Philippines for the past 2 years
  • Contact information: at least one landline phone or a postpaid mobile phone
  • Location: home or office address near a BDO branch
  • Employment: regular employee or self-employed individual whose business has been operating for at least 2 years
  • Minimum gross annual income:
    • PHP 180,000 (PHP 15,000 monthly) – Bench/Forever 21/ShopMore and Standard MasterCard, Visa Classic, and JCB Lucky Cat credit cards
    • PHP 420,000 (PHP 35,000 monthly) – for Gold credit cards and American Express Cashback credit card
    • PHP 480,000 (PHP 40,000 monthly) – American Express credit card
    • PHP 1 million (PHP 83,333 monthly) – Titanium MasterCard
    • PHP 1.2 million (PHP 100,000 monthly) – Platinum MasterCard, Visa Platinum, Diamond UnionPay,and Cathay Pacific American Express credit card
    • PHP 1.8 million (PHP 150,000 monthly) – American Express Platinum credit card

Read more: Applying for a Credit Card? Prepare These Credit Card Requirements First

Get all your supporting documents ready

When applying for a BDO credit card online, you’ll be asked to upload scanned copies or images of your documents on the bank’s online application facility. Prepare all the required documents for your credit card application:

  • A valid ID (front and back)
  • Latest income tax return (ITR) or BIR Form 2316
  • For regular employees: latest full-month’s payslips, certificate of employment (including status, service tenure, and compensation breakdown), latest two credit card statements (for existing cardholders), or latest postpaid mobile phone statement of account (for first-time credit card applicants)  
  • For self-employed individuals: Audited Financial Statements for at least 2 years and registration of business name with the DTI or SEC

Choose the best BDO credit card for you.

Many credit card applications get declined because of the wrong choice of credit card. Case in point: applying for a BDO Gold MasterCard (with a minimum gross income requirement of PHP 35,000 monthly) when your payslips show that you’re earning only PHP 15,000 monthly.

Check the features of each BDO credit card you’re considering, especially the annual fees and interest rates. Choose a credit card that you can afford and won’t get you broke in a matter of months.

Do you often buy groceries, travel, dine, or shop online? Aside from your income and budget, consider also your lifestyle and needs, as these will determine how you’ll use your credit card for.

Comparing BDO credit cards is a crucial step before you start applying for one. If you’re too busy to do your own research, save time and raise your chance of approval by using a credit card comparison tool.

In just a few clicks, the online tool can show you the best options based on your preferences such as low annual fees, low-interest rates, highest rewards, and cards with cashback rebates.
MoneyMaxph_CreditCard (1)

Steps to apply for a BDO credit card online

Applying online for a BDO credit card is straightforward—it can be done in a matter of minutes.

  1. Go to the BDO Credit Card Online Application Form.
  2. Choose your preferred card. There are six tabs, each corresponding to a credit card brand: MasterCard, Visa, American Express, JCB, UnionPay, and Diners. Check the cards under each card brand and tick the small circle under the image of your chosen card.
  3. Type in your full name and the name you’d like to appear on your BDO card. Click “START.”
  4. An online application form will appear. Fill out the required fields correctly and completely. When you’re done, click the “NEXT” button.
  5. A page with three tabs will appear: Authorization & Undertaking, Terms and Conditions, and Charges and Fees table. After reading all of them, type your name into the box under “Electronic Signature.” Tick the small box below it to agree to the Terms of Acceptance. Enter the security code provided and click “NEXT.”
  6. Attach the scanned photos of your supporting documents. Make sure to upload only images in jpg/jpeg, gif, or pdf format. Click the “SUBMIT” button.

Read more: BDO Credit Card Promos You Shouldn’t Miss in 2020

BDO credit card online application tips

Here are some tips to help you ensure a faster and hassle-free BDO credit card application.

  • Provide complete information and documents to avoid processing delays.
  • If you can’t upload your documents online, you may email them to websiteapplications@bdo.com.ph.
  • You can check your BDO credit card application status[1] online. Just provide your TIN (tax identification number) and SSS number, and you’ll be informed if your application is approved, pending, or declined.
  • Prepare an authorization letter so that your representative can receive your new BDO credit card on your behalf in case you’re not at home during the card delivery. Without proper authorization, BDO won’t give the card to anyone for security reasons.
  • If you have inquiries about your credit card application, call the BDO hotline:
    • 631-8000 (within Metro Manila)
    • 1-800-10-631-8000 (PLDT)
    • 1-800-3-631-8000 (Digitel)
    • 1-800-8-631-8000 (Globe)
    • 1-800-5-631-8000 (Bayantel)

Final Thoughts

Take advantage of the ease and speed of applying for a BDO credit card online. Instead of wasting your precious time and energy lining up at the bank, you can apply for a card anytime in the comfort of your home with just a few clicks.