How to apply for BDO credit card

Applying for a credit card is a significant step toward financial flexibility and convenience.

In the Philippines, one of the most trusted banking institutions is BDO (Banco de Oro), which offers a wide variety of credit cards tailored for shopping, travel, dining, and everyday use.

For many Filipinos, the process of applying may seem intimidating, especially if it is their first time.

However, with proper guidance and preparation, applying for a BDO credit card can be straightforward and rewarding.

Understanding the Importance of a Credit Card

A credit card is not just a piece of plastic; it is a financial tool that can help manage expenses, build a credit history, and unlock rewards. For young professionals, it can be a gateway to financial independence.

For families, it can provide easier budgeting and emergency support. Since BDO is one of the largest banks in the Philippines, its credit cards are widely accepted both locally and internationally.

Knowing how to apply correctly ensures not only faster approval but also better chances of securing the right card for one’s needs.

Requirements Before You Apply

Before starting the application process, applicants must prepare several documents and meet certain conditions.

These requirements ensure that BDO can verify identity, income, and eligibility.

• Age Requirement: At least 21 years old for principal cardholders, and 13 years old for supplementary cardholders.
• Proof of Identity: Valid government-issued ID such as passport, driver’s license, or UMID.
• Proof of Income: For employed individuals, recent payslips, Certificate of Employment, or ITR. For self-employed individuals, bank statements and business permits.
• Minimum Income Requirement: Depending on the type of card, this can range from PHP 15,000 monthly for basic cards to higher amounts for premium cards.
• Banking Relationship: Having an existing BDO account is helpful but not mandatory.

Preparing these documents in advance minimizes delays and increases the likelihood of approval.

Step-by-Step Process to Apply for a BDO Credit Card

Before diving into the list, it is essential to understand that BDO offers multiple application channels.

Whether one chooses to apply online, in a branch, or through partner promotions, the core steps remain consistent. The list below provides a clear guide to follow.

1. Visit the Official BDO Website

Applicants can start by going to the official BDO website and navigating to the credit cards section.

Here, they can explore the different card options, compare benefits, and choose the one most suited to their lifestyle. This step ensures informed decision-making.

2. Complete the Online Application Form

BDO provides an online form where applicants can enter personal, employment, and financial details.

It is important to fill out every section accurately because incomplete applications may cause delays. Applicants should also upload scanned copies of the required documents.

3. Submit the Requirements

For those applying in person at a BDO branch, documents must be presented physically. Online applicants can upload files directly through the portal. The bank verifies identity and income to assess creditworthiness.

4. Wait for Application Review

After submission, BDO’s credit assessment team evaluates the application. This process typically takes 7 to 15 banking days.

Applicants may receive a call for verification or clarification of details. Patience is essential during this stage.

5. Receive Approval and Card Delivery

If approved, the applicant will receive an SMS or email notification. The physical credit card is then delivered to the registered address or collected from a branch. Upon receipt, card activation instructions will be provided.

Additional Information and Support Channels

BDO provides multiple ways for applicants to track or follow up on their application:

• Official Website: www.bdo.com.ph – main portal for applications and inquiries.
• Customer Service Hotline: (+632) 8631-8000 for Metro Manila or domestic toll-free numbers for provinces.
• Mobile App: The BDO Digital Banking app, available on Google Play and App Store, allows users to monitor their accounts and transactions once the card is activated.
• Branch Network: With hundreds of branches nationwide, applicants can visit in person for updates and assistance.

Applicants should also take note of terms and conditions such as annual fees, interest rates, and repayment schedules. Being aware of these details helps avoid unexpected charges.

Good Practices When Applying

While the process may appear simple, certain habits increase the chance of success:

• Maintain good credit history by paying existing loans or bills on time.
• Avoid multiple applications at the same time, as this can reduce approval chances.
• Be realistic with card selection and choose a card that matches income level and spending habits.

By following these practices, applicants can improve both approval odds and long-term credit management.

FAQ: Applying for a BDO Credit Card

How long does it take for a BDO credit card to be approved?
Approval usually takes 7 to 15 banking days, depending on the completeness of documents and the verification process. Applicants may also receive calls for confirmation.

Can I apply for a BDO credit card without a bank account?
Yes, an existing BDO account is not mandatory. However, having a banking relationship with BDO may increase the chances of approval.

Is there an app to check my application status?
Applicants can use the BDO Digital Banking app once they become cardholders. For application status, they should contact customer service or the official website.

What is the minimum income required?
Income requirements vary depending on the card type. Basic cards may require at least PHP 15,000 monthly, while premium cards require higher income levels.

What if my application is denied?
Applicants may reapply after six months. During that period, it is advisable to improve credit history, update documents, and ensure that requirements are fully met.