BDO Visa Gold Credit Card

The BDO Visa Gold Credit Card offers rewards points, installment plans, and travel insurance, making it a premium choice for cardholders in the Philippines.

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

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✓ Earns up to 1 reward point per PHP 50 spent ✓ Free travel insurance included ✓ Installment plans available
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BDO Visa Gold Credit Card

Visa · travel

Our Verdict Recommended

This card is a solid pick for frequent travelers and those who appreciate rewards on their spending.

What it really costs

Annual feePHP 3,500, waived with PHP 180,000 annual spend ₱3.5k
APR Range 36% – 36%
Rewards 1%

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Who it's for

Ideal for frequent travelers and high spenders who can maximize the rewards and avoid interest charges.

Watch out

The high APR can be a burden for those who don't pay off their balance in full each month.

The good and the not so good

  • Earns up to 1 reward point per PHP 50 spent
  • Free travel insurance included
  • Installment plans available
  • Annual fee waived with PHP 180,000 spend
  • High annual fee of PHP 3,500 without spending threshold
  • 36% APR is steep for those carrying balances
  • Limited benefits for infrequent users

In-Depth Review

For those who travel often, the BDO Visa Gold Credit Card provides a compelling rewards structure, earning **1 reward point per PHP 50** spent. The card also includes complimentary travel insurance, which can add significant value during trips. However, the **annual fee of PHP 3,500** may be a hurdle for occasional users, especially since it only gets waived with an annual spend of **PHP 180,000**. With a **36% APR**, cardholders should tread carefully if they tend to carry a balance. This rate is on the higher end compared to some competitors, which might offer lower rates for similar rewards. The card shines for those who manage to pay off their full balance each month, as this allows users to fully benefit from its rewards without incurring hefty interest charges. Customer service quality can vary, so be prepared for potential wait times during peak hours. Overall, this card is best suited for individuals who frequently travel or spend significantly on their credit card, rather than casual users who may not reap the benefits. For more details, visit [BDO's official page](https://www.bdo.com.ph/personal/credit-cards/bdo-visa-gold).

Summary

The BDO Visa Gold Credit Card is a strong contender for travelers, but its high fees and APR may not suit everyone.

What cardholders say

Cardholders appreciate the rewards program but note the high fees as a downside.

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