BDO Forever 21 Mastercard – MoneySmart Review 2019

BDO Forever 21 Mastercard – MoneySmart Review 2019

Are you a fan of Forever 21? Their affordable prices and trendy items makes the brand incredibly hard to resist

Did you know that BDO has a credit card that’s especially designed for all your Forever 21 spending? Check out this MoneySmart review of the BDO Forever 21 Mastercard credit card and see if it’s your next must-have accessory.

BDO Forever 21 Mastercard at a Glance

Annual Fee
  • Free on the first year
  • 2,400 PHP / year
First Supplementary Card Annual Fee
  • Free for life
Other Supplementary Cards Annual Fee
  • Free on the first year
  • 1,200 PHP / year
Monthly Finance Charge
  • 3.25%
Late Payment Fee
  • 7% of the overdue amount
Cash Advance Fee
  • 5% of amount withdrawn or 500 PHP, whichever is higher
Foreign Currency Conversion
  • 1.5% of the converted amount and 1% service fee
Installment Processing Fee
  • 5% of the total remaining balance or 300 PHP, whichever is higher
Annual Minimum Income Requirement
  • 180,000 PHP
Card Association
  • Mastercard

What can you enjoy with your BDO Forever 21 Mastercard?

You can shop to your heart’s delight at all branches of Forever 21 and get fabulous shopping benefits.

Enjoy 10% discount all year round with a minimum spend of 3,000 PHP.

On your birth month, you can also get 8% cash rebate. This applies to a cumulative spend of 8,000 PHP on regular-priced items on any spending category with a minimum spend of 3,000 PHP per transaction.

Shop with your Forever 21 Mastercard and receive credit card points with your spending. Earn triple points when you spend at any Forever 21 store in the Philippines. Points that you will earn can be exchanged for cash coupons.

Take a look at this Forever 21 Mastercard points earning table. You can read the full mechanics here.

200 PHP Spend Points
200 PHP (spend in Forever 21 Philippines) 3 Peso Points
200 PHP (other local and international purchases) 1 Peso Point

With this credit card, you also get exclusive access to sale events, special payment lanes, and dressing room lanes at all Forever 21 branches in the country.

Enjoy free annual membership fees on your first year. If you enroll for your first supplementary card, their annual membership fees are free for life.

Other features of the Forever 21 Mastercard

EasyPay Installment

Purchase your next home appliance, gadget, or piece of furniture and pay in up to 36 monthly installments at 0% interest.

There are over 11,000 partner establishments nationwide, and you only need to meet the 3,000 PHP minimum single purchase requirement to avail. (Take note that this amount can vary depending on the participating merchant.)

Buy Now Pay Later

You can also avail of special installment terms with the Buy Now Pay Later program during special promotion dates.

Balance Transfer

If you have more than one credit card, you can transfer your balance to your Forever 21 Mastercard for debt consolidation or to better manage your monthly expenses.

EasyPay Cash

If you have official receipts worth at least 5,000 PHP, you can reimburse them through EasyPay Cash in affordable installment terms.

EasyPay Convert (PHP & USD)

Convert purchases of at least 3,000 PHP or 200 USD into installment with your Forever 21 Mastercard. Apply online at or call (02) 631-8000.

Cash advances, money transfers, gambling-related transactions, and other BDO installment transactions are not qualified for this feature.

Bills Payment

With your card’s Charge on Demand and Auto Charge features, you can pay all your utility bills quickly and conveniently.

You can charge your utility bills on a per need basis, or you can enroll them under the Auto-Charge facility and just have one due date each month. Learn more about this feature here.

24-Hour Customer Service

For all your credit card concerns, you can call the 24-hour BDO customer service line at (02) 631-8000. You can also call the toll-free number at 1-800-10-6318000.

What are the current BDO Forever 21 Mastercard promotions ?

Promotion  Mechanics
15% discount at Forever 21 (valid until October 31, 2019)
  • Discount applicable on regular-priced items
  • No minimum spend
  • Also available on 3-month installment term at 0% interest for at least 5,000 PHP spend
12% discount at

  • Promo period until September 30, 2019
  • Stay period until December 31, 2019
  • Minimum of 2 nights stay at hotels with label “Best Price Guarantee”
  • Use promo code USEMASTERCARD
Bantayan Tree Hotels and Resorts

Stay 3 Nights and Pay for 2 Nights 

  • Booking period until December 31, 2019
  • Stay period until June 30, 2020
  • Complimentary breakfast for 2
  • Free Wi-Fi
  • 20% discount on Spa and Gallery
  • Early check-in and late check-out
Up to 50% discount at Winford Manila Resort and Casino

  • Booking period until December 22, 2019
  • Stay period until December 29, 2019 (Sundays to Thursdays only)
  • 50% discount on Executive Suite
  • 40% discount on Deluxe Room
  • Breakfast for 2
  • Late check-out at 2 pm
50% discount at Belmont Hotel Manila

  • Booking period until December 22, 2019
  • Stay period until December 29, 2019
  • 50% discount on Superior and Deluxe Rooms
  • Breakfast for 2
  • Late check-out at 2 pm
  • Special rates on Cafe Belmont’s lunch and dinner buffet
60% discount at Holiday Inn Express Manila

  • Booking period until December 22, 2019
  • Stay period until December 29, 2019
  • 60% discount on Superior Room
  • Breakfast for 2
  • Late check-out at 2 pm
50% discount at Savoy Hotel Manila

  • Booking period until December 22, 2019
  • Stay period until December 29, 2019
  • 50% discount on Essential Room 1 and Essential Room 2
  • Breakfast for 2
  • Late check-out at 2 pm
  • Buy one get one on Savoy Cafe’s lunch and dinner buffet
Up to 300 PHP off at Lazada

  • Valid until September 30, 2019
  • Valid every Monday from 9 am to 5 pm
  • Up to 12% discount when you spend at least 1,500 PHP on the Lazada mobile app
  • One-time use on Mondays and up to 9x within the promotion period

What are the requirements to apply for a BDO Forever 21 Mastercard?

To be eligible for this card, you must be a Filipino citizen or a foreigner residing in the Philippines for the last two years.

You should be 21 to 70 years old, a regular employee, with an annual income of 180,000 PHP.

If you’re self-employed, your business should be in operation for the last two years.

Your residential or office address should be near a BDO branch, and you must have at least one landline telephone.

These are the documentary requirements that you need to submit together with your credit card application.

For applicants with existing credit cards:

For first-time credit cardholders:

For foreign applicants:

Image screenshots from BDO as of August 31, 2019

Should you get the BDO Forever 21 Mastercard?

If you love to shop and spend a lot of your hard-earned money at Forever 21 stores, then it’s a no-brainer. You should definitely have this credit card.

Because it’s Mastercard, you can use it not just at Forever 21. Use it at any store here and abroad in over 20 million locations.

The annual fees may be a bit high for a basic credit card, but the monthly interest rate is lower compared to other basic BDO credit cards.

It’s a great first credit card for young women. It may be a basic card, but it still delivers on exciting perks and privileges.


Did this credit card peak your interest? Do you think it’s a suitable card for you? Let us know what you think and drop us a comment.