BDO BANCO DE ORO Cards (Sinulid 5) | Must Read FAQs pp.1-5

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  • Strong7PowerStrong7Power Member PEx Moderator
    edited August 2018
    BANCO DE ORO REWARDS FAQs - CARD REPLACEMENT

    How can members replace lost or damaged cards?
    To replace a lost or damaged card, members must call the BDO Rewards Hotline. Click HERE.

    Is there a card replacement fee?
    Yes. The fee for card replacement is P150.00 or 150 points. Members have the option of using their points to pay for the fee. Replacement fee for Sapphire and Diamond is waived.


  • Strong7PowerStrong7Power Member PEx Moderator
    edited August 2018
    FAQs - THE BDO REWARDS CARD

    How long is a Member's Card valid?
    Cards are valid for two (2) years and validity date can be determined by the "valid thru" date printed on the card. This provides for efficient management of program tier upgrading and downgrading and avoids abuse or misuse of perks and privileges.

    >Emerald Cards processed in April 2016, will now have a validity date. Existing Emerald Cards (with no validity date) is processed during renewal.

    Will the BDO Rewards Card expire?
    Yes. This provides for efficient management of program tier upgrading and downgrading and avoids abuse or misuse of perks and privileges.

    Can both clients of a Joint Account get a card each?
    No, only the Primary Account holder will be issued a BDO Rewards Card.

    Will clients owning multiple bank products/ accounts be issued several BDO Rewards cards also?
    No, clients are only assigned one Client Information File (CIF) for all his availed bank products and services. Because of this, only one BDO Rewards membership number is assigned per client.
    However, clients can earn points from ALL their qualified bank transactions provided that they meet the requirements of each.

    What if the other client (the one that was not given a card in the joint account) has another BDO account, can he join the program?
    Yes, provided that the client meets the membership requirements.

    Is the BDO Rewards Card a credit card?
    No. The BDO Rewards Card works like a cash card which stores the free shopping points earned by a BDO Rewards member from his/her qualified BDO products and transactions. Similar to SM Advantage, members can also earn points for their purchases at SM Department Store, SM Supermarket, SM Hypermarket, SM retail establishments and other BDO Rewards partners. When a member has earned at least 50 points, the BDO Rewards Card may be used to shop for free in any of the SM stores and its affiliates.

    Why is it important to activate the BDO Rewards card?
    Upon receipt of card, the first step is to activate the card. Activation will enable continuous earning of points, points redemption and renewal of card. All members* are given six (6) months to activate from date of card issuance. Failure to do so will result to forfeiture of points earned.

    *Except for purely Asenso Kabayan accountholders who are given two (2) years to activate from card issuance


  • Strong7PowerStrong7Power Member PEx Moderator
    BANCO DE ORO REWARDS FAQs - REDEEMING POINTS

    What is the value of a point?
    1 point is equal to P1.00.

    Do Rewards points expire?
    Yes, points expire after five years. For example, unredeemed or unused points, earned in 2018, will expire on 2023.

    Where can members redeem points?
    Members may redeem their points to pay for purchases at any branch of The SM Store, SM Supermarket, SM Hypermarket, SM Savemore, WalterMart Supermarket, and SM retail establishments and partners.

    What if a member lives in an area without an SM mall? Is there a redemption fee?
    Individuals who are residing in areas where there are no SM Malls may have their points credited to their preferred personal current or savings account (CASA) maintained in their branch of account. A member must have a minimum of twenty (20) points or P20.00 to be able to start redeeming.


  • Strong7PowerStrong7Power Member PEx Moderator


    -SPECIAL SECTION-
  • Strong7PowerStrong7Power Member PEx Moderator
    edited August 2018
    LOOK: BDO Rewards Loyalty Program had a Ruby category before.



    ✔😉😎👌😊❤💖😜😆😃😉🌹🎂😃😆🤔😜🎁👀✨😎😘✔😉😎👌😊❤💖😜😆😃😉🌹🎂😃😆🤔😜🎁👀✨😎😘✔

    CARD REPLACEMENT

    With Fee
    -Lost or Stolen Card
    -Change of Card Type
    -Change of Card Details such as Embossed Name, Card Color

    Without Fee
    -Card Issuer's Re-carding
    -Renewal Card
    -Fraud/Scam Transaction
    -Damaged Card
  • Strong7PowerStrong7Power Member PEx Moderator
    OBSERVATION: Is Banco De Oro stricter in reversing /waiving ANNUAL/MONTHLY MEMBERSHIP FEE(S)?

    Starting June 2018, umiiral na ang bagong panuntunan ng BDO sa AMF reversal/waiver.

    Sang-ayon sa mga inihaing paskil/komento sa mga sinulid ng talakayan ng BDO | AXP & DCI:

    Para ma-reverse, ito ang mga spend condition:

    P20,000 - sobrang dalang gamitin (sa post ni gibsonfan, may kamag-anak daw siya, di ginagamit, pang-loung area lang ang purpose, pina-spend na lang ng BDO ng 20K para i-waive ang AMEX Plat nito).

    P10,000 - average card usage

    P5000 - gamit na gamit

    Not sure though. Opinyon ko lang naman.

    ---
    Ang mga karaniwang alok para sa AMF/MMF reversal/waiver ay availment of BT/Cash It Easy/EasyPay Cash/EasyPay Convert, Enrollment of ACA/ADA, o kaya naman spend condition within 30 days.


    TANDAAN: Hiling muna sa CS Hotline kung anong condition ang igagawad; At sumang-ayon sa gusto mong condition. Humingi ng reference number. At gawin ang napagkasunduan. Kapag nagawa na, tawag ulit sa hotline para sa MF reversal posting.
  • Strong7PowerStrong7Power Member PEx Moderator
    edited August 2018
    HOT ISSUE: CREDIT CARD'S MEMBERSHIP FEE

    Is Banco De Oro stricter in reversing /waiving ANNUAL/MONTHLY MEMBERSHIP FEE(S)?

    cmsvap said:
    BDO CREDIT CARDS: Is it worth to pay AMF?


    Image from Credit Card / Travel Promos PH (Kay Renz Perez ang naturang larawan at hindi sa akin).

    Sa ngayon, BDO na ang may pinakamagagandang card promos: Rebates/Cashback, CC points/MR points (esp. multiplier promo) , Airline Miles (esp. multiplier promo), Spend Anywhere, Dining Deals, Travel and Entertainment Deals, AMEX Concierge...

    As a principal, I still have 7 cards and each with separate limit (pero pinag-iisipang ko ring i-combine in the future).

    E ang tanong, Is it worth to pay AMF? Kung talagang magkagipitan na, I still pay AMF kasi sa karanasan ko, mas marami akong nakukuhang benepisyo at perks especially rebates and discounts. Tulad dati, P6000 ang halaga ng sapatos na binili ko dahil may SM at BDO promos noon, binayaran ko na lang ay P1000. Tapos ang monthly at special rebates ng ShopMore, Visa, at CUP. Multiplier promos sa Miles at CC/MR points. KAYA KAHIT MAGBAYAD pa ako ng MMF/AMF, sobrang sulit pa rin. Etong perks at privileges ay hindi ko pa nakikita sa iba. At tapos, ang dami pang discount sa kainan at biyahe.

    Ang nakita ko lang sa ibang card issuer ay sobrang ganda ng Activation Promo pero kapag ikaw ay tumagal na, hindi na kasing attractive.

    Sa usapin ng membership fee (MF) reversal, hindi naman ako nahihirapan pa. Dahil, may mga condition sila na swak pa rin sa akin. Kaya bago matapos ang usapan namin, pinauulit ko sa CSR ang mga pinag-usapan namin para maging malinaw at maging maayos at dokumentado ang mga hiling ko. At humihingi ng reference number sa napag-usapan. At kapag nagawa ko na ang condition, tatatawag na ako para sa reversal ng MF at hihilingin ko ang bisor na ang mag-ayos nito. Kung sa ganito ay para maging malinaw talaga ang usapan at hindi miscommunication. Kaya ang happy ending ay nasa akin pa rin.

    Ang mga alok sa akin ay availment of BT/Cash It Easy/EasyPay Cash/EasyPay Convert, Enrollment of ACA/ADA, o kaya naman spend condition within 30 days.

    Kung pipiliin ko ang enrollment condition, pwede ko naman i-disenroll sa hinaharap e.

    Is it worth to pay AMF? Sa ganda ng mga card features, promos, perks, privilges, and benefits, PWEDE. At bawiin na lamang ang kabayaran ng AMF sa mga dakilang promotion ng BDO.

    ✔Pero kung kaya talaga ipa-waive/reverse, e di gawa'n na ng paraan.

    Happy to be a BDO Cardmember.
    Glad to be an AMEX and DCI Cardmember.


    I cannot disagree to you paying your annual fee po if you'll benefit more from your cards. Imagine the actual price for that pair of shoes is 6k and then you just paid 1k because of BDO promo. That's a huge discount sulit naman talaga ang pagbabayad mo po ng annual fee dyan bawing-bawi na bukod pa dyan baka marami ka pa na-enjoy bukod dyan.

    Paying annual fee is not bad provided that you'll benefit more from your cards by paying your annual fee. Otherwise, we need to find ways on how to reversed our annual fee or cancel our card instead of paying annual fee for nothing. Depende din talaga kung saan natin gagamitin ang card. In time maa-appreciate din natin yung mga benefits na meron sila na hindi pa natin totally na-explore sa kanila.

    ---
    Initially posted in American Express Users Thread and American Express & Diners Club Cardmembers' Thread II
    LIKE THIS POST.😎😜😉

    I respect your opinion. 

    We may not be agree all the time in our views, opinions, statements, but key to a peaceful forum is RESPECT. I respect you.

    I respect those people na mag-collect ng mag-collect lahat ng cards at iba pang mga pananaw.

    About sa shoes na iyan, minsan lang mangyari iyan. Last year lang. Nainis pa nga kaibigan at kapatid ko kasi di ko raw na-share iyan. E supplementary ko naman sila. Kasi ang time na iyan, di ko naman din ine-expect. Paying 1000 in the price of 600.

    cmsvap said:
    If you will benefit more from your cards at hindi ka malulugi at sa tingin ko panalo ka pa paying your annual fee is not bad but if not we need to find ways on how to reversed our annual fee or else cancel na lang ang card instead of paying annual fee for nothing.

    Like Prestige card and Premier Miles. Ang Presitige talaga no choice ka magbabayad ka po ng 12k pero kung sa tingin mo sulit na sulit at bawing-bawi ka sa 12K na babayaran mo sa annual fee hindi po masama ang magbayad ng AMF just like sa nai-share sa atin ni Master Lodi therightone. Please correct me guys if mali ako; hindi ko na matandaan kung sino ang nag-share ng Prestige. Hehehe.

    Gaya ng post ni Master Lodi Strong sa BDO thread ang shoes is worth 6k dahil may magandang promo ang BDO at nakuha nyia lang ang shoes ng P1000. Wow that's a huge discount. Minsan depende rin po talaga sa gamit natin kung saan po talaga tayo magbe-benefit. We need to explore and study if what card will best suite to our lifestyle. Depende po talaga yan kung saan po natin gagamitin ang card.

    ---
    Initially posted in Citibank Credit Card Users Thread V (Page 16)
    About sa PRESTIGE ng CITI, may nag-post dito na worth it naman ang pagbabayad ng 12K kung.... kung.... kung talagang FREQUENT TRAVELER ka, at AFFLUENT ka talaga... kasi sa pagkakaalala ko, sa dating paskil, ay worth it talaga kasi maraming promotions ang Citi Prestige, at mas mataas pa nga raw ang babayaran mo sa hotel, dining, and travel-related overseas kung wala ang Citi Prestige.

    Ganundin sa AMEX IDC Platinum, aka THE PLATINUM CARD... worth it bayaran ang AMF kasi sobra-sobra ang perks.

    Kaya depende pa rin sa tao kung ano lifestyle niya.

    Ang sinasabi ko lang, kung talagang sobrang higpit na, bayaran ang AMF at bawiin sa mga promos na swak na swak sa iyo.

    As I said, nakapagpa-reverse pa rin ako ng AMF sa BDO at AMEX last July and this August 2018 without spending.

    I respect your opinion. I respect everybody's opinion.

         B D    B D 

    CHILLAX TAYO.
  • Strong7PowerStrong7Power Member PEx Moderator
    edited August 2018
    [August 20, 2018 UPDATE]



    [1/3]
    THE PLATINUM CARD
    AIR MILES EARNING: 
    USD1 / 1 MR point
    1 MR point = 1 Asia Mile, 1 KrisFlyer Mile, 1 Delta SkyMile, 1 Enrich Mile, 1 Royal Orchid Plus
    2.13 MR point = 1 Mabuhay Mile

    LOUNGE ACCESS:
    Unlimited access with 1 free companion to MIASCOR Philippines lounges (NAIA 1 & 3 + Clark + Davao), Priority Pass lounges, & AXP Centurion lounges
    Unlimited access for cardholder to Delta SkyClub lounges

    TRAVEL INSURANCE:
    USD2,000,000

    OTHER TRAVEL PERKS/COMMENTS: 
    AXP Platinum Concierge
    Purchase Protection 
    Complimentary companion round-trip Premium Economy or Business Class ticket with Cathay Pacific Airlines, 
    Discounted fares at Emirates and Etihad, 
    Unlimited complimentary Meet-And-Assist-Service (MAAS) for departure and arrival at NAIA Terminals 1 & 3, Davao and Clark International Airports
    Automatic Elite Status at Shangri-La– Golden Circle, Hilton Honors, Club Carlson, 
    Complimentary car upgrades at Hertz and special rates, 
    Credits at Crystal Cruises, Holland America Line Cruises, Regent Seven Seas, Silversea Cruises, 
    Platinum Access: Platinum Golf, Tower Club Access, By-invitation-only Events
    Platinum Lifestyle - Taste from American Express Invites, Dining, AX Selects    
    MR – Automatic FREE Enrollment in Frequent Traveler Option


    THE AMERICAN EXPRESS PLATINUM CREDIT CARD
    AIR MILES EARNING:
    PHP45 / 1 MR point or USD1 / 1 MR point
    1 MR point = 1 Asia Mile, 1 KrisFlyer Mile, 1 Delta SkyMile, 1 Enrich Mile, 1 Royal Orchid Plus
    2.13 MR point = 1 Mabuhay Mile

    LOUNGE ACCESS:
    Unlimited access with 1 companion to MIASCOR (NAIA 1 & Davao) and SkyView (NAIA 3) lounges

    TRAVEL INSURANCE:
    PHP20,000,000

    OTHER TRAVEL PERKS/COMMENTS: 
    AXP Platinum Concierge
    Purchase Protection 
    Global Travel Assistance for emergencies.
    Automatic FREE Enrollment in Frequent Traveler Option


    THE CATHAY PACIFIC AMERICAN EXPRESS ELITE CREDIT CARD
    AIR MILES EARNING:
    Earn 1 Asia Mile for every PHP38 spent locally.
    Earn 2 Asia Miles for every PHP50 spent overseas.
    Earn 2 Asia Miles for every PHP38 spent on Cathay Pacific flight booking via Cathay Pacific website
    Earn 3,000 Bonus Asia Miles with your very first purchase.
    Earn 3,000 Bonus Asia Miles upon Card Anniversary when you spend PHP500,000 per annum.

    LOUNGE ACCESS:
    None

    TRAVEL INSURANCE:
    PHP 15,000,000

    OTHER TRAVEL PERKS/COMMENTS: 
    AXP Platinum Concierge
    Purchase Protection within 30 Days 
    First year enrollment fee waiver for Green Tier membership of Marco Polo Club
    Discounts at asiamiles.com


    BDO WORLD ELITE MASTERCARD
    AIR MILES EARNING:
    PHP40 / 1 point
    USD1 overseas / 1.5 points
    2 points/1 Mabuhay Mile, Asia Mile, GetGo point

    LOUNGE ACCESS:
    10 free visits to Lounge Key lounges (similar to Priority Pass in terms of network)

    TRAVEL INSURANCE:
    USD2,000,000

    OTHER TRAVEL PERKS/COMMENTS: 
    METALLIC CARD
    World Elite MC Concierge
    Discounted Private Jet Program
    USD500 per cabin credits at select cruises
    Discounts for car rentals at National, Avis, and Sixt 
    Discounted packages at Relais & Chateaux establishments
    Airport Concierge/Assistance and Airport by Invitation discounted rates


    BDO PLATINUM MASTERCARD | VISA
    AIR MILES EARNING:
    PHP40 or USD1 / 1 point
    2 points / 1 Mabuhay Mile, Asia Mile, GetGo point

    LOUNGE ACCESS:
    Free Priority Pass Membership
    MasterCard: 25 USD per access for cardholder, 27 USD for guest
    Visa: 25 USD per access for cardholder, 27 USD for guest + up to 6 free access per year for every PHP 50,000 spent on travel 6 months prior to access date (minimum 20,000 per transaction)

    TRAVEL INSURANCE:
    PHP 20,000,000

    OTHER TRAVEL PERKS/COMMENTS: 
    Concierge Service
    Airport Meet and Assist Service


    BDO JCB PLATINUM
    AIR MILES EARNING:
    PHP40 or USD1 / 1 point
    2 points / 1 Mabuhay Mile, Asia Mile, GetGo point

    LOUNGE ACCESS:
    Yes, for some countries:

    TRAVEL INSURANCE:
    PHP20,000,000

    OTHER TRAVEL PERKS/COMMENTS: 
    JCB Concierge Service
    Airport Meet and Assist Service
    Car Rental Service
    Special Hotel Services
    Special Restaurant Reservations
    Golf Benefits
    Airport Meeting Service


    BDO DINERS CLUB INTERNATIONAL PREMIERE
    AIR MILES EARNING: 
    PHP30 / 1 Mabuhay Mile
    USD1 / 2 Mabuhay Miles for overseas spend

    LOUNGE ACCESS:
    2 free/year at DCI lounges (similar to Priority Pass)
    27 USD/access afterwards

    TRAVEL INSURANCE:
    PHP20,000,000

    OTHER TRAVEL PERKS/COMMENTS: 
    Diners Club Travel Tools App
    Diners Club Privileges


    BPI DELTA SKYMILES PLATINUM MASTERCARD
    AIR MILES EARNING: 
    PHP45 / Delta SkyMiles
    PHP45 spend on Delta Air Lines tickets / Double (2) SkyMiles

    LOUNGE ACCESS:
    Free access to Pacific Club at NAIA Terminal 3 (important to note that this is the only CC that can access this lounge, unless you use priority pass of another card)

    TRAVEL INSURANCE:
    PHP 20,000,000

    OTHER TRAVEL PERKS/COMMENTS: 
    Lowest FOREX conversion fee. 
    None.


    BPI VISA SIGNATURE
    REWARD SYSTEM:
    PHP20/Premium Real Thrill Rewards point

    LOUNGE ACCESS:
    Complimentary access to Pacific Club Lounge in NAIA 3 and allows up to one (1) guest.

    TRAVEL INSURANCE:
    PHP20,000,000

    OTHER TRAVEL PERKS/COMMENTS: 
    Lower FOREX conversion fee. 
    24/7 Visa Worldwide Concierge
    Visa Dragon Pass Airport Lounge Program
    Visa Airport Meet & Greet Immigration Services
    Visa Airport Limo Transfer Program
    Visa Luxury Hotel Collection


    CITIBANK PRESTIGE VISA INFINITE
    AIRMILES EARNING:
    PHP30 / 1 Reward Point 
    3.25 Rewards Points/1 Mabuhay Mile
    5x multiplier on local dining/shopping and all foreign currency spend (comes out to PHP19.5/mile)

    LOUNGE ACCESS:
    Unlimited Priority Pass lounge access (Only other card that does this is AXP The Platinum Card, which also has unlimited 1 guest access, unlike Citi's 4 free guest passes/year)

    TRAVEL INSURANCE:
    None

    OTHER TRAVEL PERKS/COMMENTS:
    Global Concierge with in-country experts ready to assist you 24 hours a day, 7 days a week
    Unlimited 4th night free stays at any hotel booked through the Concierge
    2x free Airport meet and assist service + one-way airport car transfer per year
    Enjoy three (3) complimentary rounds of golf each calendar year at participating golf courses


    CITIBANK PREMIERMILES VISA SIGNATURE
    AIRMILES EARNING:
    PHP30 / 1 Premiermile / 60+ airlines available

    LOUNGE ACCESS:
    Two (2) free access a year via DragonPass, a service similar to Priority Pass. Local lounge access is now only accessible via DragonPass na lang as well, which means it counts towards your 2 free access or you have to pay for it. 20% off for subsequent lounge access. 

    TRAVEL INSURANCE:
    PHP1,000,000

    OTHER TRAVEL PERKS/COMMENTS:
    Visa Signature Concierge


    HSBC PREMIER ADVANCE MASTERCARD
    AIR MILES EARNING:
    PHP20 / point
    5 Points/1 AsiaMile, 1 KrisFlyer Mile
    6 points/1 Mabuhay Mile
    *Multiplier of 4x for foreign currency transactions (~ PHP25-30/mile)
    *Multiplier of 3x for local dining 

    LOUNGE ACCESS:
    27 USD/person Lounge Key Access (similar to Priority Pass)
    99 PHP access to MIASCOR Philippines lounges (NAIA 1 & 3 + Clark + Davao)
    899 PHP access to MIASCOR Philippines lounges for guest (NAIA 1 & 3 + Clark + Davao)

    TRAVEL INSURANCE:
    PHP10,000,000

    OTHER TRAVEL PERKS/COMMENTS:
    Emergency cash at HSBC outlets worldwide
    10% discount on Ministry of Villas and Agoda
    No Annual Fee For Life [NAFFL / FFLAF]


    METROBANK TRAVEL VISA PLATINUM
    AIR MILES EARNING:
    PHP20 / 1 Rewards Point (2.5 Rewards Point = 1 Mabuhay Mile, Asia Mile, KrisFlyer Mile)
    PHP17 overseas, airline, hotel spend = 1 mile

    LOUNGE ACCESS:
    Free Priority Pass Membership

    TRAVEL INSURANCE:
    PHP5,000,000

    OTHER TRAVEL PERKS/COMMENTS: 
    VIP Concierge [(632) 8700-707]
    VIP Customer Service [(632) 8700-707, 1-800-10-8700-707]
    50% off select local hotels (Signature Lifestyle)
    Visa Global Customer Assistance

  • Strong7PowerStrong7Power Member PEx Moderator
    [2/3]
    PNB MABUHAY MILES WORLD MASTERCARD
    AIR MILES EARNING:
    PHP33 / 1 Mabuhay Mile
    Welcome gift of 2,000 PAL Mabuhay Miles
    Free 10,000 PAL Mabuhay Miles when you make PHP100,000 worth of PAL transactions within 1 year from date of card issuance

    LOUNGE ACCESS:
    None

    TRAVEL INSURANCE:
    PHP10,000,000

    OTHER TRAVEL PERKS/COMMENTS:
    Priority Check-in at PAL Business Class Counters in NAIA Terminal 2
    World Assist: World MasterCard Concierge
    Card Protect: Free Purchase Protection, Fraud Transaction Insurance Option
    PNB MasterCard InControl


    RCBC BANKARD WORLD MASTERCARD
    AIRMILES EARNING:
    PHP36 /1 Rewards Point
    PHP125 from supermarkets, drugstores, or gas stations / 1 Rewards Point
    3 Rewards Points = 1 Asia Mile, Mabuhay Mile, or GetGo Mile or ~PHP108/375/Mile

    TRAVEL INSURANCE:
    PHP1,000,000

    LOUNGE ACCESS:
    Free Access to MIASCOR and SkyView lounges for cardholder and one guest. 1 additional guest allowed at 12 USD/person. 
    Priority Pass membership is free but with 27 USD/access fee. Waived for every PHP 70,000 overseas spend. 

    OTHER TRAVEL PERKS/COMMENTS:
    International Phone Service
    Free Purchase Protection


    UBP GETGO VISA PLATINUM
    AIR MILES EARNING: 
    PHP 30 = Cebu Pacific GetGo Point

    LOUNGE ACCESS:
    You can enjoy complimentary airport lounge access to NAIA 3 SkyView and Davao MIASCOR.

    TRAVEL INSURANCE:
    PHP10,000,000

    OTHER TRAVEL PERKS/COMMENTS: 
    Priority Check-In on Cebu Pacific Flights at NAIA Terminal 3, Cebu, Bacolod, Davao, Iloilo, and Kalibo
    Free 5KG extra baggage allowance on Cebu Pacific Flights
    Get early alerts to ALL Cebu Pacific seat sales plus exclusive sales
    Automatic monthly transfer of points to GetGo account


    UBP MILES+PLATINUM MASTERCARD
    AIR MILES EARNING: 
    PHP25 PHP Everyday Spend / 1 Point
    Or PHP25 Airline, Hotel, Overseas / 1.5 Point

    ~PHP50/mile (Mabuhay Miles or GetGo)

    LOUNGE ACCESS: 
    -Skyview Lounge at NAIA Terminal 3
    -Club Manila Lounge at NAIA Terminal 1
    -MIASCOR Lounges at NAIA Terminal 1 and Davao International Airport

    TRAVEL INSURANCE:
    PHP10,000,000

    OTHER TRAVEL PERKS/COMMENTS: 
    Platinum Concierge 1-800-1441-0014
    Visa Global Assistance Service 1-800-1441-0015


    EASTWEST BANK PRIORITY BANKING VISA INFINITE
    AIR MILES EARNING: 
    PHP40/Asia Mile, KrisFlyer, or Mabuhay Mile

    LOUNGE ACCESS: 
    -Free priority pass membership + 4 free access a year
    -Two (2) free access to MIASCOR local lounges a year

    TRAVEL INSURANCE:
    PHP20,000,000

    OTHER TRAVEL PERKS/COMMENTS: 
    No Annual Fee For Life [NAFFL/FFLAF]
    Must be Priority Banking client
    Airport Travel Assist
    Infinite Concierge 1-800-1441-0014
    Visa Global Assistance Service 1-800-1441-0015


    ***Did not include Metrobank Platinum and World MasterCard and other so-called elite cards (Bankard Infinite Visa, Bankard Diamond Platinum MasterCard, Bankard Black Card Platinum MasterCard, Bankard Diamond UnionPay, EastWest Platinum MasterCard, EastWest Platinum Visa,  HSBC Platinum Visa, PNB Diamond UnionPay, Bankard JCB Platinum, AUB Platinum MasterCard, RBank Platinum, ChinaBank Platinum and World MasterCard) due to very low cap on airline miles redemption or bad travel perks.***
  • Strong7PowerStrong7Power Member PEx Moderator
    [3/3]

    FINAL VERDICT:

    best lounge access: 
    THE PLATINUM CARD [AXP Platinum Charge Card]

    best for earning miles: 
    Depending on if you spend a lot on the special categories, it could be the Metrobank Platinum Travel Card (low 17/mile with no cap). For most number of airlines & simplest earning, Citibank Premiermiles.

    best insurance: 
    THE PLATINUM CARD [AXP Platinum Charge Card] and
    BDO WORLD ELITE MASTERCARD (USD2M Travel Insurance)

    best for additional travel perks: 
    THE PLATINUM CARD [AXP Platinum Charge Card]

    our pick for overall perks and benefits for a heavy travel user: 
    THE PLATINUM CARD [AXP Platinum Charge Card]

    our pick for overall perks and benefits for a light travel user:
    CITI PremierMiles or Metrobank Travel Visa Platinum

    our pick for heavy hotel user:
    CITI Prestige Visa Infinite (4th night free unlimited)

    our pick for Free for Life AMF:
    EastWest Bank Visa Infinite

    overall best travel card (the champion card):
    THE PLATINUM CARD (unlimited Buy 1 take 1 Cathay tickets is worth more than most perks already)

    ---
    Credits: @GIBSONFAN, with @STRONG7POWER.
    Updated: August 20, 2018
  • Daboy24Daboy24 Member PEx Rookie ⭐
    Idol master strong maligayang pasko din ahihihi maligayang bati sa BAGONG SINULID! 
    Idol na idol kita pwamis ang sipag mo naman idol master aysus wala ng problema ang mga newbie gaya khow Ikaw ang bagong Walking Encyclopedia ng bagong henerasyon ahihihi 
  • Daboy24Daboy24 Member PEx Rookie ⭐
    edited September 2018
    I have classic visa from 2017, and gusto ko ng next tier so i applied for visa gold branch endorse 2months ago from new branch na malapit sa office (i think walang nangyari dito haha) another branch endorse 2 weeks ago (ito ung branch na nakapagpaapprove sa visa classic ko) and online application last tuesday. Received a call kanina from bdo regarding my application online, asked me kung may cc ako from other banks (yes i have) and cc from bdo. Sabi ko yes may bdo ako visa classic. Sabi ng agent hindi daw ako pwede mag apply ng visa gold kasi may visa classic na ako. Gold mc nalang daw kasi dapat daw other variant. I said no kasi mas preferred ko talaga yung visa kasi may mc na rin naman ako from bpi. Baka iconsider ko nalang ang card upgrade. Now my questions are:

    1. Hindi ba talaga pwede mag apply ng higher tier (same brand) kung may existing na? Parang may nabasa kasi ako dito sa pex before na may classic sila and applied for visa gold via branch endorsement. Nakakahinayang din kasi 400 na fee for card replacement.
    2. Sorry for this question baka paulit ulit na..di na kasi ako nakapagbackread kasi ang tagal kong di nakavisit sa pex. Kapag pinaupgrade ko yung visa classic ko to gold, gaya ng sinasabi ng mga csr bago iproceed ang upgrade request Mawawala ba talaga yung points mo? I have 3k points as of the moment. Nakakaiyak kung mawawala sila. Haha.  Pwede ba un irequest na itransfer sa visa gold?
    3. Additional question na rin about supplementary. Since yung credit limit nila diba is based sa in-allot ni principal. This is shared CL diba? If ever ba deliquent si supplementary may bad effect ito kay principal?
    1. Pwede dapat kasi nagawa ko ito sa Amex.
    2. Ipaconvert mo muna para sure
    3. Hindi naman magiging delinquent si supplementary kasi sa iyo pa rin ibibill yan every cycle.
    Hi Ateng your back ahihihi I hope this time Behave kana ditse
    Maligayang Pasko sayo idol master Let there be peace on Earth bygones be bygones! all's well that ends well! ahihihihi
  • Strong7PowerStrong7Power Member PEx Moderator
    edited March 9
    F.A.Q. - Sinulid 5

    [Last Update: March 9, 2019]

    What are the perks and privileges of each BDO Rewards Card?
    See the image below:

    ESMERALDA

    SAPIRO


    DYAMANTE



    For EMERALD member, aim for SAPPHIRE level, at least.
    For SAPPHIRE member, aim for DIAMOND level.
  • Strong7PowerStrong7Power Member PEx Moderator
    edited September 2018
    BDO CASH CARD (Prepaid Card)
    >>>A BDO Cash Card is a re-loadable prepaid electronic debit card.  Without having to open a deposit account, you can enjoy the security and convenience of an ATM card - withdraw money and pay for shopping.

    Frequently Asked Questions
    How can I avail a BDO Cash Card?
    Simply go to the branch and apply for the BDO Cash Card

    How many banking days will it take before I could get my BDO Cash Card?

    Generic/pre-embossed cash cards can be claimed immediately. For retail embossed and corporate cash cards, card can be claimed within 3 to 5 banking days for metro Manila branches and within 5 to 7 banking days for provincial branches

    How does a BDO Cash Card earn interest?
    The BDO Cash Card and the value stored therein is not a deposit account. Thus, it does not earn interest and is not insured with Philippine Deposit Insurance Corporation (PDIC). There is also no maintaining balance required.

    What are the minimum and maximum reloading amounts for BDO Cash Card?
    😊Minimum - P100
    😉Maximum - Amount that will not exceed the balance limit of the card depending on its type.

    What is the maximum balance limit for each BDO Cash Card type?
    💘Pre-Embossed - P10,000
    💚Retail Embossed - P25,000
    💜Corporate Embossed - P100,000

    What is the number to call in case of problems / complaints?
    Any complaint / problem encountered can be reported to BDO Customer Contact Center at 631-8000, Domestic Toll-free 1-800-10-6318000 and 1-800-3-6318000 (Digitel), and International Toll-Free (IAC) + 800-8-6318000.

    Can a BDO Cash Card be used in MOTO or Mail Order Telephone Order transactions?
    The BDO Cash Card has no existing functionality that will enable it to be used for Mail Order or Telephone Order transactions.

    How are lost / damaged / stolen cards handled?
    For Retail cards, card replacement is allowed at issuing BDO branch subject to personal identification of cardholder. For Corporate card, card replacement is done through cardholder’s employer/company.

    How is a dormant card re-activated?
    A dormant card is re-activated with a financial transaction, e.x. card reload, withdrawal, among others.

    When is a Cash Card considered dormant?
    Cash Card shall be considered dormant and shall be subject to monthly maintenance fee, if there is no financial activity depending on the type of card:
    😎Pre-Embossed - 180 days of no financial activity
    😜Embossed/Corporate -  360 days of no financial activity



    Courtesy of STRONG7POWER
  • Strong7PowerStrong7Power Member PEx Moderator
    LOOK: EMV-compliant BDO Kabayan Savings Debit Card


    Source: https://topbusinessfinance.com/new-bdo-kabayan-savings-account-ofws/
  • Strong7PowerStrong7Power Member PEx Moderator
    edited September 2018
    LOOK: TRANSLUCENT PLASTIC MONEY CARD

    BAGONG DISENYO . . .

    >Banco De Oro released new plastic material for their credit cards in the first quarter of 2018.


    VISA PLATINUM


    Courtesy: gibsonfan (BDO Cards (Equitable Cards) - Cardmembers' Thread IV)


    TITANIUM MASTERCARD

    Courtesy of Malakas7Kapangyarihan (BDO Cards (Equitable Cards) - Cardmembers' Thread IV)


    VISA GOLD and GOLD MASTERCARD

    Courtesy: cccc (BDO Cards (Equitable Cards) - Cardmembers' Thread IV)

    GOLD CHINA UNIONPAY

    Courtesy of Malakas7Kapangyarihan (CUP and JCB Card Users Thread)


    VISA CLASSIC

    Courtesy of maikeeeru (BDO Cards (Equitable Cards) - Cardmembers' Thread IV)

  • Strong7PowerStrong7Power Member PEx Moderator
    edited September 2018



    BDO REWARDS CARD - CARD NUMBER

    The BDO REWARDS CARD NUMBER serves as the permanent Customer Number of a BDO Client. It will be linked to numerous BDO accounts such as CASA, Loan and Investment products, etc. Your REWARDS CARD NUMBER cannot be replaced with different card number in our lifetime, unless the bank change its current system (You will only notice this once you request for card replacement. It will be the same card number).

    BDO REWARDS CARD vs S.M.A.C. vs Chinabank World MC : SM PRESTIGE STATUS

    *Rewards Card to upgrade - it easily for card upgrade just avail the 10x SMAC Points Promo (If available only e.g. Mother’s Day, Fathers Day, deposit amount etc)

    *BDO Rewards Cards is Points System based for membership status while Regular SM Advantage is Spend System. For BDO Rewards, you need 10,000 Rewards points to be Diamond/Prestige. Pero sa SMAC ay madali ang mag-upgrade. If you are big spender just have initial spending of P300k and 150k spending to maintained the membership within 2 years.

    *For CBC World MC: once you accumulate 10,000 credit card points, you are automatic and eligible to have SM Prestige Card good for 5 years and automatic renewable pa, just remain active CBC World MC user.

  • Strong7PowerStrong7Power Member PEx Moderator


    ShopMore MC over Elite Credit Cards
    ShopMore MasterCard has better perks that BDO Elite Cards doesn't have. Kada buwan, may promo sa The SM Store with your ShopMore MC. Moreover, sulit ang malaking diskwento na makukuha sa ShopMore (with SMAC/BDO Rewards Card) kapag ginamit ito sa SM Supermall 3-Day Sale.

    Ang mga BDO Elite Cardmember, nangangarap din na magkaroon ng ShopMore Card dahil sa mga dakilang promo.

    Si Kris Aquino ay isa ring ShopMore MC cardmember.

  • Strong7PowerStrong7Power Member PEx Moderator
    CLARIFICATION : MISCONCEPTION in CREDIT INVESTIGATION

    (a) Hindi por que hindi natawagan e, wala ng C.I. o credit investigation. Bago i-approve ang CC app/s ninyo, nagsi-C.I. na iyan regardless kung endorso o hindi. Nagsisiyasat na iyan at nagbeberipika. (Kahit may iilan ang nakakalusot dito).

    (b) At hindi por que natawagan kayo sa phone verification o na-text ng ganito: "Thank You for applying....", e ibig sabihin ay approved na. Bahagi lamang ng paglakad (proseso) sa inyong card application

    Ang punto ko rito, hindi lang phone thingy ang CI. Marami kasi akong nababasa rito, hindi raw sila na-C.I.. Pero in reality, kahit di sila natawagan, the bank do a credit investigation.

    Gayunpaman, mayroon ding mga pabayang mga credit officers (hindi lahat) subalit nangyayari iyan madalas. Approve lang ng approve. Napagpaparaya o napagbibigyan kapag mass approval dahil sa quota nila na dapat abutin at mayroon din na good credit standing record lang na history,  mainam na sa kanila para i-consider ka na maging cardmember nila.

    May mapagparaya at may mahihigpit na mga tagapag-isyu ng bank card.

    Sa aking dilidilihin:
    MAHIGPIT: AMEX, BDO, BPI, CITI, DINERS, HSBC, (Isama pa ang mga nag-iinarteng AUB at RBank)
    HINDI GAANO KAHIGPIT: EWB, SECB, MCC, PNB, CBC, BANKARD
  • Strong7PowerStrong7Power Member PEx Moderator
    edited September 2018
    Maligayang Pagdating sa Ikalimang Sinulid ng mga Talakayan ng BANCO DE ORO (BDO) BANK-CARDS.

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