ELITE CREDIT CARDS TABLE OF FEES & CHARGES

Visa Titanium/Platinum Visa/JCB Diamond¹ Diners Club

Fees & Charges Signature Mastercard Platinum UnionPay Premiere Choose Your Credit Card Payment Channels:
Principal Card P5,500 P4,500
Annual Membership Fee P5,000 P4,500 PAYMENT POSTED ON THE SAME BANKING DAY
• BDO Online Banking
Supplementary Card FREE for Life for P2,500 • BDO Branches & Network Bank Branches
Annual Membership Fee 6 Supplementary
• BDO Automated Teller Machines (ATMs)
3.00% • BDO Cash Acceptance Machines (CAMs)
Monthly Interest Rate
Retail and Cash Advance transactions (inclusive of cash advance fee)² • Auto-Debit Arrangement (ADA) Payment Facility

P200 for every approved Cash Installment transaction PAYMENT POSTED ON THE NEXT BANKING DAY
P250 for every approved Balance Transfer transaction • BancNet
• Savemore Market Branches
Installment Availment Fee P250 for every approved Balance Convert Peso transaction or • SM Bills Payment Counters (including SM Supermarket
and SM Hypermarket)
US$10 for every approved Balance Convert Dollar transaction
For American Express Dollar Charge Cards and accounts with Dual Currency feature, USD
P100 for every approved Purchase Convert Peso transaction or payments for your Dollar account/s are accepted only via: BDO Branches, BDO Online
Banking (USD account) and ADA Payment Facility (USD account). For American Express
US$5 for every approved Purchase Convert Dollar transaction Dollar Charge Cards, ADA payment is scheduled 25 days from Statement Date.

Cash Advance Fee³ P200 / US$3.30 Notes:

• BDO Credit Card payments made via BDO Online, ATMs, and Cash Deposit Machines will be reflected within the
same banking day. Payments to all other billers made after 10PM are considered next banking day transactions.
Late Payment Charge P850 / US$20 or unpaid minimum amount due, whichever is lower • For BDO Online Banking and ADA Payment Facility, enrollment is via any BDO Branch or [Link].
• For Check Payment (Peso and Dollar), payment is subject to clearing cut-off.

This is the sum of the following: a) 3% of the outstanding balance less installment amortizations,
Minimum Amount Due over-limit amount and new transactions posted within the current statement period⁴, or P850 /
US$17, whichever is higher; b) 3% of Installment Amortization; c) Overdue Amount;
and d) Over-limit Amount. When making credit card payments, please be reminded of the following:
• To pay at any BDO branch, present the upper portion of the statement and keep
Returned Check Fee / P1,250 or US$35 per returned check / insufficient ADA account the machine validated copy as proof of payment or you may accomplish a
ADA Return Fee transaction slip and indicate the applicable Institution Code to ensure that

Sales Slip Retrieval Fee P300 for each sales slip retrieved for Local transactions or payment will be properly posted to the account.
P500 for each sales slip retrieved for International transactions
Payment Type Institution Code
Lost Card Replacement Fee P400 for each card Peso Payment to Peso Card 0800
Gambling or Gaming Fee 5% of transacted amount or P500 / US$10, whichever is higher Dollar Payment to Dollar Card 0802

1% Cross Border Fee (except 0.80% for retail transactions and 0.50% for Cash Advance for UnionPay) and Peso Payment to Dollar Card 0803

1.5% Foreign Exchange Conversion Fee shall be applied on the converted amount based on the prevailing • For check payments*, please make the check payable to “BDO Unibank, Inc.”.
rate of Mastercard/Visa/JCB/UnionPay/Diners Club International (except 0.70% for Visa Signature) and Indicate the Account Name, Account Number/Card Number and Contact
Foreign Currency BDO respectively at the time of posting. Foreign Exchange Conversion Fee is subject to change at the sole Number at the back of the check.
Transaction Fee discretion of BDO.
• Pay at least the Minimum Amount Due on or before your Payment Due Date to avoid
For foreign currency transaction converted to Philippine Peso or charged in Philippine Peso by a late payment charges.
foreign acquirer at point-of-sale, whether made in or outside the Philippines or online, 1% Cross
Border Fee charged by the Card Brand shall be applied on the converted amount or billed * Normal banking regulations on the acceptance and clearing or collection of check payments
Philippine Peso amount accordingly. apply. Post dated checks and foreign checks drawn on banks outside the Philippines are not
accepted as payments.

5% of the total remaining balance or P300 for PHP-denominated transactions

Installment Processing Fee For the complete definition and imposition of the Fees and Charges, you
or USD10 for USD-denominated transactions, whichever is higher may view the full Terms and Conditions of selected card by visiting
[Link] then search Forms and Related Information.
SOA Reprint Fee P30 or US$1.00 per SOA request
Refund Fee 1% of the amount to be refunded or P100 / US$2.50, whichever is higher
Overseas Card Delivery Fee P2,500

1 For Diamond UnionPay Principal Cardholders, Membership Fee is free for the first 3 years.
2 Finance charges will be imposed at the current interest rate on the unpaid Cash Advance IMPORTANT REMINDER
balance (inclusive of fees) from acquisition date until both the Cash Advance balance and
its related charges are paid in full. 1. Paying less than the total amount due will increase the amount of interest and other
3 If Cash Advance is availed through an International ATM, a separate withdrawal fee will be charges you pay and the time it takes to repay your balance.
charged and may vary per ATM owner. 2. Applicable Monthly Interest Rate will be imposed on the account if:
4 The new transactions posted within the current statement period will not be deducted from
the computation of the 3% of the Outstanding Balance in case the Credit Card account is in past a. No payment was made on the Card on Payment Due Date,
due status or has an over-limit amount. b. Payment made was less than the Total Outstanding Balance stated in the
USD Fees and Charges are only applicable to cards with Dual Currency feature Statement of Account (SOA),
Note: Interest rates are determined by BDO and are subject to change in accordance with
c. Outstanding Balance is paid in full by its Payment Due Date, but with unsettled balances from the
prevailing market rates. In case of conflict between the provisions of these reminders previous SOA reflected in the current SOA, or
and the Terms and Conditions Governing the Issuance and Use of BDO Credit Cards,
the latter shall prevail. All fees and charges are subject to change upon notice. BDO
d. There is a cash advance transaction.
reserves the right to re-impose waived fees/charges.

SAMPLE FINANCE CHARGE (FC) COMPUTATION FOR RETAIL AND CASH ADVANCE TRANSACTIONS
OPENING BALANCE none FC Computation - Month 1
MONTHLY INTEREST RATE 3.00% (Interest is computed on the Cash Advance and Cash Advance Fee)
NO. OF DAYS
CASH OUTSTANDING
RETAIL
MONTH STATEMENT PAYMENT DATE PURCHASE CASH TOTAL INTEREST PRINCIPAL Interest = P10,200 x 3% / 30 days x 31 days = P316.20
DATE TO TO CYCLE ADVANCE ADVANCE
FEE PAYMENT
BALANCE
PAYMENT DATE CUT OFF DATE
FC Computation - Month 2
1 - 10,000 200 - 316.20 10,516.20 (No Interest Charges for Retail Purchase transactions made during the statement cycle)
2 24 4 10,000 - - (2,000.00) 286.45 18,802.65
1) Outstanding Balance x Interest Rate / 30 days x
3 24 7 - - - (2,000.00) 568.88 17,371.54 No. of days (From Statement Date to Payment Date)
4 24 6 - - - (2,000.00) 509.15 15,880.68 Interest = P10,516.20 x 3% / 30 days x 24 days = P252.39
5 24 7 - - - (2,000.00) 478.30 14,358.98
2) Outstanding Balance less Payments x Interest Rate / 30 days x
6 24 6 - - - (2,000.00) 418.77 12,777.75 No. of days
7 24 7 - - - (2,000.00) 382.11 11,159.86
Interest = (P10,516.20 - P2,000.00) x 3% / 30 days x 4 days = P34.06
8 24 7 - - - (2,000.00) 331.96 9,491.82
Total Interest = P286.45
9 24 6 - - - (2,000.00) 272.75 7,764.57
10 24 7 - - - (2,000.00) 226.70 5,991.27 FC Computation - Month 12
11 24 6 - - - (2,000.00) 167.74 4,159.01 (Cardholder fully paid the Outstanding Balance)

12 24 7 - - - (4,159.01) 99.82 99.82 Cardholder will be billed interest even after paying the total outstanding
balance from statement date up to date of full payment
13 24 7 - - - (99.82) - -
Outstanding Balance x Interest Rate / 30 days x
Total (24,258.83) 4,058.83 No. of days (From Statement Date up to Full Payment Date)
Assumptions:
• Cardholder has no beginning balance on his 1st statement and makes a Cash Advance transaction of P10,000 on the 1 day of the month
st Interest = P4,159.01 x 3% / 30 days x 24 Days = P99.82
• Cardholder makes a retail transaction of P10,000 on the 1st day of the 2nd month
• Cardholder is paying every due date, which is every 25 of the month
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BDO Unibank, Inc. is regulated by the Bangko Sentral ng Pilipinas: [Link]

For inquiries and concerns, please reach us through [Link]
The BDO, BDO Unibank and other BDO-related trademarks are owned by BDO Unibank, Inc. All Rights Reserved. BDO ELITE: REVISED AS OF FEBRUARY 2025