BDO Visa Platinum Cashback

The BDO Visa Platinum Cashback card offers up to 3% cashback on dining and 2% on department store purchases, making it a strong choice for frequent spenders.

Last checked on June 11, 2026. We may earn a commission when you click through.

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✓ Up to 3% cashback on dining ✓ 2% cashback on department store purchases ✓ 1% on all other purchases
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BDO Visa Platinum Cashback

Visa · cashback

Our Verdict

This card is great for foodies and grocery shoppers who want to earn cashback on their everyday purchases.

What it really costs

Annual feePHP 3,500 annual fee ₱3.5k
APR Range 36% – 36%
Rewards3% cashback on dining, 2% on department stores, 1% on all other 3%

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Who it's for

Ideal for individuals who regularly dine out and shop at department stores, but not recommended for those who may carry a balance due to high fees.

Watch out

The high annual fee and APR may not suit everyone, especially those who carry a balance.

The good and the not so good

  • Up to 3% cashback on dining
  • 2% cashback on department store purchases
  • 1% on all other purchases
  • No cap on cashback earnings
  • Access to exclusive promotions
  • ₱3,500 annual fee
  • 36% APR can be high for balance carriers
  • Limited international acceptance compared to other cards
  • No introductory offers for new customers
  • Requires good credit for approval

In-Depth Review

For those who love dining out, the BDO Visa Platinum Cashback card shines with an impressive **3% cashback** on dining expenses, a standout feature in the Philippines. Additionally, cardholders earn **2% cashback** when shopping at department stores, which is beneficial for regular shoppers. This card also offers **1% cashback** on all other purchases, ensuring you earn rewards on nearly every transaction. However, the **₱3,500 annual fee** is significant, especially when compared to other cashback cards that might offer lower fees or better introductory rates. Furthermore, the **36% APR** can lead to costly interest charges for those who carry a balance, making this card less ideal for individuals who do not pay off their balance in full each month. According to BDO's official site, there are no limits on cashback earnings, which is a plus for frequent spenders. However, potential users should be aware that the card's acceptance may not be as widespread internationally compared to other major credit cards, which could limit its usability abroad. Overall, while the BDO Visa Platinum Cashback card is tailored for those who frequently dine out and shop at certain stores, it may not be the best option for casual users or those looking to avoid high fees.

Summary

The BDO Visa Platinum Cashback card offers solid cashback rewards for dining and shopping, but the cost may outweigh the benefits for some users.

What cardholders say

Cardholders appreciate the cashback rates but express concern over the high annual fee and interest rates.

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