BDO Visa Gold – MoneySmart Review 2019

BDO Visa Gold – MoneySmart Review 2019

Looking for a credit card that will reward you for your dining, shopping or traveling expenses? Check out BDO Visa Gold and learn about the many exciting features that it offers.

BDO Visa Gold at a Glance
Principal Card Annual Fee
  • Free on the first year
  • 2,400 PHP per year, or free for life if you spend at least 300,000 PHP per year
First Supplementary Card Annual Fee
  • Free for life
Other Supplementary Cards
  • 1,200 PHP
Monthly Finance Charge
  • 3.25%
Late Payment Fee
  • 7% of the overdue amount
Cash Advance Fee
  • 5% of withdrawn amount or 500 PHP, whichever is higher
Foreign Currency Conversion
  • 1% assessment fee and 1.5% of converted amount based on prevailing foreign exchange rates
Minimum Income Requirement
  • 35,000 PHP
Card Association
  • Visa

What can you enjoy with your BDO Visa Gold?

Annual Fee Waivers

New cardholders of the BDO Visa Gold get to enjoy free annual membership fees for the first year. You can continue to enjoy waived annual fees if you spend at least 300,000 per year. Otherwise, your annual membership fee will be 2,400 PHP per year.

Reward Points

With every 50 PHP that you spend on your BDO Visa Gold, you earn 1 Credit Card Point.

When you spend on dining and entertainment, you earn 2x Credit Card Points. Both your local and international transactions are eligible to earn twice the Credit Card Points.

Check out the table below for the qualified merchant categories.

Dining Fast food restaurants


Bars and cocktail lounges

Entertainment Arcades


Billiards and pool


Dance halls and dance studios

Establishments and bowling alleys

Golf courses and sports clubs

Plays and concerts

Recreational facilities

Sports promoters and professionals

Theme and amusement parks

Video amusements

Video and music stores

As a BDO Visa Gold cardholder, you are also eligible for 10x Credit Card Points when you spend at least 10,000 PHP or 200 USD on entertainment, dining, and hotel accommodations during long weekends or special occasions.

Avail of this promotion this upcoming Halloween Long Weekend on November 1 to 3, 2019. Enrollment period is until November 4, 2019.

Visa Gold Exclusive Privileges

Enjoy as much as 50% discount when you dine at partner restaurants. Get year-round perks and privileges at different destinations in the world. Also enjoy rebate promos when you shop overseas, online, or in-store.

Free Travel Insurance Coverage

When you charge your travel expenses to your BDO Visa Gold, you can receive up to 5 million PHP travel accident and inconvenience insurance. This is offered for both principal and supplementary cardholders. You can learn more about it here.

What can you redeem from your Credit Card Points?

Reward Item Credit Card Points Needed
Principal Card Annual Membership Fee Waiver 5,500 Points
Supplementary Card Annual Membership Fee Waiver 2,750 Points
250 GetGo Points 750 Points
250 Asia Miles

250 Mabuhay Miles

1,250 Points
500 PHP Rustan’s Gift Certificate

500 PHP Anson’s Gift Certificate

500 PHP Mercury Drug Gift Certificate

500 PHP Abenson Gift Certificate

500 PHP Landmark Gift Certificate

500 PHP SM Gift Card

500 PHP Sodexo Premium Pass

4,775 Points
500 PHP Globe Prepaid Card

500 PHP Smart Prepaid Card

4,775 Points

What are the current promotions that you can avail with your BDO Visa Gold?

Promotion  Mechanics
Unlimited Wi-Fi access with Big Sky

  • Valid until January 31, 2020
  • As much as 25% discount on 4G Day Pass and 38% discount on Asia Day Pass
  • Up to 50% discount on Skyroam Solis / Skyroam 4GMate unit purchase
Discounts on Flytpack

  • Valid until March 31, 2020
  • 800 PHP on deposit fees
  • 10% discount on Wi-Fi device rental for 1 destination country
  • 8% discount on Wi-Fi device rental for multiple destination countries
  • Promo code: VISA
2019 Visa Epic Experiences

  • Year-round exclusive offers and deals at dining establishments and accommodations
  • 30% discount at One Bar
  • 20% discount at Kamameshi Town
  • 20% discount on lunch and dinner buffet at Saffron Cafe
  • Up to 60% discount at Crimson Resort & Spa Mactan Cebu
  • 50% discount at The Manor Camp John Hay
  • 45% discount at Anya Resort Tagaytay
  • 40% discount at Fridays Boracay
Buy One Get One on Chicken Teriyaki at Izakaya Sensu

  • Valid until September 30, 2019
  • Minimum spend of 1,000 PHP
  • For dine-in transactions only
Buy One Get One California Roll at Motto Motto

  • Valid until September 30, 2019
  • Minimum spend of 1,000 PHP
  • Valid on weekday lunch and dinner
  • Maximum of 2 sets
30% discount at Saboten Express 

  • Valid until September 30, 2019
  • 30% discount on your total bill with a minimum spend of 1,000 PHP
A chance to win up to 100,000 Robinson’s gift certificates

  • Valid until October 15, 2019
  • 1 promotion card for every 500 PHP single-receipt purchase at participating Robinsons Supermarkets and Department Stores
40% discount at Vikings group

  • Valid until September 13, 2019
  • 40% discount at Vikings, Four Seasons Buffet & Hotpot, The Alley, NIU, and Tong Yang Plus for the weekday lunch and dinner buffet

What are the requirements to apply for a BDO Visa Gold?

To be eligible for this credit card, you should meet the following criteria:

  • Must be 21 to 70 years old for principal cardholders
  • Must be a Filipino citizen or foreigner with permanent residency of more than 2 years
  • Must be a regular employee
  • Self-employed individuals should be operating a business for over 2 years
  • Must own a landline telephone and be residing or working near a BDO branch
  • Must be earning 420,000 PHP per year

Should you get the BDO Visa Gold?

What makes the BDO Visa Gold so appealing is the reward points that you can earn with your spending. When you spend at a given period, you can even earn 10x the reward points.

The income requirement is also just right for the working Filipino. If you put a premium on cards that rewards you with your lifestyle spending, the BDO Visa Gold is truly a card worth having.