How to redeem BDO credit card rewards

Credit cards are more than just tools for making purchases—they also offer perks and rewards that cardholders can enjoy.

For Filipinos who use a BDO credit card, one of the key benefits is the ability to earn points that can be exchanged for exciting rewards such as shopping vouchers, gadgets, airline miles, dining certificates, and even annual fee waivers.

However, many cardholders are not fully aware of how to maximize these benefits. Learning how to redeem BDO credit card rewards ensures that no earned point goes to waste.

This tutorial provides a step-by-step guide on redeeming rewards, explains the requirements, and highlights the official channels for claiming them. With the right knowledge, every swipe of a BDO credit card becomes more rewarding.

Why Redeeming Rewards Matters

Every time a cardholder uses their BDO credit card, they accumulate reward points based on the transaction type and card variant.

These points have real value because they can be converted into items or benefits that reduce expenses.

Bukod dito, redeeming rewards regularly prevents points from expiring, which is a common issue for those who forget to claim them.

By actively redeeming points, cardholders make the most out of their spending habits. Instead of letting points sit idle, they transform everyday expenses into practical or enjoyable rewards.

Requirements Before Redeeming Rewards

Before starting the redemption process, cardholders should prepare a few essentials:

• A valid and active BDO credit card with an available rewards balance.
• Access to BDO Online or Mobile Banking to check accumulated points.
• Updated personal information such as contact number and email.
• Knowledge of the rewards catalog to choose desired items or services.

Dapat tandaan na some rewards are available only to specific card types, such as co-branded cards for airline miles.

Step-by-Step Guide to Redeem BDO Credit Card Rewards

Redeeming rewards can be done through different official channels. Below is a clear step-by-step process that cardholders can follow.

1. Log in to BDO Online Banking

Go to www.bdo.com.ph and log in with your User ID and Password. Navigate to the Credit Card section and select Rewards Points Inquiry. This shows the available points balance.

2. Browse the BDO Rewards Catalog

The catalog contains all the items and benefits available for redemption. Options usually include gift certificates, lifestyle products, gadgets, airline miles, and shopping vouchers. Reviewing the catalog ensures that cardholders can make an informed choice.

3. Submit Redemption Request

After choosing a reward, cardholders can submit a redemption request through online banking or by calling the customer service hotline. Details such as delivery address and item specifications may be required.

4. Confirm and Wait for Processing

BDO verifies the request and deducts the corresponding points. Processing time varies depending on the chosen reward. Gift certificates may arrive faster, while physical items may take several weeks for delivery.

5. Redeem via BDO Hotline or Branch

Cardholders who prefer offline methods can call (+632) 8631-8000 or visit a BDO branch. Representatives will assist in processing the redemption and provide estimated delivery timelines.

By following these steps, cardholders can turn accumulated points into tangible benefits that support both practical needs and lifestyle upgrades.

Types of Rewards Available

The rewards catalog is diverse and caters to different lifestyles. Some common categories include:

• Gift Certificates: Popular retail stores, dining outlets, and supermarkets.
• Gadgets and Appliances: Headphones, blenders, and home appliances.
• Airline Miles: Conversion to frequent flyer programs for travel enthusiasts.
• Cash Rebates: Directly applied to the cardholder’s account as credits.
• Annual Fee Waiver: Redemption option to waive yearly fees on certain card types.

Sa kabilang banda, cardholders should regularly check updates since catalogs are refreshed and offers may change over time.

Practical Tips for Maximizing Rewards

Redeeming rewards is only one part of the process; maximizing points requires strategy. Here are some useful practices:

• Use the card for recurring expenses such as groceries, utilities, and fuel to earn points consistently.
• Watch out for seasonal promos where transactions earn double or triple points.
• Redeem points before their expiry date to avoid losing accumulated value.
• Compare options: sometimes using points for annual fee waivers is more valuable than gadgets.
• Keep track of redemptions to avoid duplicate requests.

By adopting these strategies, cardholders ensure that every peso spent through their BDO credit card works harder for them.

Official Channels for Rewards Redemption

BDO provides several official ways to redeem rewards safely:

• Website: www.bdo.com.ph for online redemption.
• Hotline: (+632) 8631-8000 for Metro Manila cardholders.
• Mobile App: BDO Digital Banking app available on Google Play and App Store.
• Branches: Nationwide locations for in-person processing.

Using only official channels guarantees secure transactions and accurate processing.

FAQ: Redeeming BDO Credit Card Rewards

Do BDO credit card reward points expire?
Yes, reward points typically have an expiration date depending on the card type. Cardholders should check their statement or online account to confirm validity.

Can I combine points from different BDO credit cards?
No, points are not transferable between separate accounts. Each credit card maintains its own rewards balance.

How long does it take to receive redeemed rewards?
Processing times vary. Gift certificates may arrive within a week, while physical items could take 4–6 weeks. Airline miles usually reflect within a few business days.

Is there a minimum number of points required to redeem?
Yes, most rewards require a minimum number of points. The specific requirement depends on the reward chosen, as stated in the catalog.

What should I do if I did not receive my redeemed item?
Cardholders should contact BDO Customer Service at (+632) 8631-8000 and provide the redemption reference number. Representatives will assist in tracking the request.