BDO Sapphire & Diamond Rewards Cardmembership ||| SM Prestige | FAQ p.1

Strong7PowerStrong7Power Member PEx Moderator
BDO Sapphire & Diamond Rewards Cardmembership

BDO Sapphire & Diamond Rewards Cardmembership | SAPIRO & DYAMANTE | BDO Sapphire & Diamond Rewards Cardmembership


THE LOYALTY PROGRAM OF BANCO DE ORO. SAPPHIRE AND DIAMOND LEVEL are the HIGHER/ELITE LEVELS of BDO REWARDS CARD.

SM Prestige Cardmembership



THE LOYALTY PROGRAM OF SHOEMART. PRESTIGE LEVEL is the HIGHER/ELITE STATUS of SM ADVANTAGE CARD.


https://www.bdo.com.ph/personal/rewards ||| https://www.smadvantage.com/membership/sm-prestige
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Comments

  • Strong7PowerStrong7Power Member PEx Moderator
    edited April 27
    SM ADVANTAGE - PRESTIGE FAQs: https://www.smadvantage.com/faqs
  • Strong7PowerStrong7Power Member PEx Moderator
    Nakalaan na Paskil
  • Strong7PowerStrong7Power Member PEx Moderator
    edited April 2
    MEMBERSHIP 
    Initial Membership Requirement & Renewal/Tier Upgrade Requirements

    >What are the requirements to join the program?

  • Strong7PowerStrong7Power Member PEx Moderator
    F.A.Q. - MEMBERSHIP

    How will their membership level be determined after the 2-year validity period?

    The membership level will be determined by the total points earned in the first 2 years of membership.
    Sapphire: 2,500 to 9,999 points
    Diamond: 10,000 points and above

    Can a member be upgraded to the next membership level before the 2-year card renewal schedule?
    Tier evaluation is every 2 years. However, a member can request for an early upgrade provided the minimum points requirement for the tier is met.

    Will redeeming points affect the earning of points required to maintain or be upgraded to the next level?
    No, redeeming of points will not affect the earning of points to reach the next level. Neither will it result to any downgrading of tier level.

    Is it possible for a member to be downgraded?
    Yes, it is possible for a member to be downgraded if the points earned within 2 years do not meet the required number of points to stay within that tier.

    Would transferred points from my SM Advantage Card to my BDO Rewards Card be considered in determining my membership level the following year?
    No, transferred points from your SM Advantage Card will not be considered. Points earned from non-SM partners are also not considered for determining membership level but can be used for redemption purposes. Membership level determination is limited to points earned with the BDO Rewards Card only.
  • Strong7PowerStrong7Power Member PEx Moderator
    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.

    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
    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?
    Replacement fee for Sapphire and Diamond is WAIVED..
  • Strong7PowerStrong7Power Member PEx Moderator
    PERKS and PRIVILEGES - DIAMOND


    Dyamante
  • Strong7PowerStrong7Power Member PEx Moderator
    PERKS and PRIVILEGES - SAPPHIRE



    PERKS and PRIVILEGES - SAPPHIRE
    PERKS and PRIVILEGES - SAPPHIRE

  • Strong7PowerStrong7Power Member PEx Moderator
    EARNING POINTS AT BANCO DE ORO



    EARNING POINTS AT BANCO DE ORO

  • Strong7PowerStrong7Power Member PEx Moderator
    EARNING REWARDS POINTS AT SM & RETAIL PARTNERS


    EARNING REWARDS POINTS AT SM & RETAIL PARTNERS
    EARNING REWARDS POINTS AT SM & RETAIL PARTNERS



  • Strong7PowerStrong7Power Member PEx Moderator
    EARNING REWARDS POINTS AT OTHER REWARDS PARTNERS


    EARNING REWARDS POINTS
    EARNING REWARDS POINTS
  • Strong7PowerStrong7Power Member PEx Moderator
    POINTS REDEMPTION

    One (1) BDO Rewards Point = PHP 1.00

    BDO Rewards members can redeem points at the following Rewards Partners:





    POINTS REDEMPTION
  • Strong7PowerStrong7Power Member PEx Moderator
    Nakalaan na Paskil.
  • Strong7PowerStrong7Power Member PEx Moderator

    KUWENTO. KUWENTO.


    Road to BDO Diamond Rewards Status

    Ni @Jake 2.0 



    JAKE2.0: Kung ako ang tatanungin ninyo dapat i-boycott iyang pagpapadala ng BDO cards na kabahagi ng CL naman; pampagulo lang lalo na sa mga katulad natin na marami ng card na pinanatili.
    Tapos kung gusto ninyong maging VIP sa BDO in general, choose to use either Platinum OR Titanium MC Visa Platinum, Diamond UnionPay para hindi nakakalat ang CC points to earned from purchase and this will lead you into BDO Diamond Rewards status.


    Kapag Dyamante ka na, iba ang pakiramdam ng priority banking; di mo kailangan pumila. Ang gwardya, pagkakita pa lang ng card mo, ia-assist ka agad sa teller o sa tagapamahala ng sangay (BM) ang gagawa lahat ng bank transactions mo ipapa-priority ka niya aside from SM Prestige status at mga local lounges access visit kada taon.

    Before i used all my cards from purchases but now ang BDO ang pangunahin ko. Kapag ubos na CL, dito pa lang makikinabang ang ibang card. With the combine power purchase to earn points of my BDO Platinum MC, SM purchase points (SMAC) earned plus points from savings in just nine months, naging Diamond Rewards Cardmember ako.


    Noon, hindi ko pansin ang Platinum MC ko sa BDO pero nang maramdaman kong elite credit cardmember ako sa mga bangko, nadismaya ako dahil akoý karaniwang kliyente na pipila at naghihintay na matawagan. I feel sad and dissappointed kaya sinabi ko sa sarili ko, “What is the important having an elite cards kung wala ka namang VIP treatment sa mga banks transactions
    In other words,kapag spread ang spending spread din ang mga points wala silang patutunguhan?”  You will not enjoy as early as possible ang mga perks and privileges. 
    Pero kung may pera ka go to BPI Gold/ACR card or SB Gold Circle, HSBC Advance, depende sa preferrentials mo. 
    Sa akin, BDO Unibank is undisputed once na naging Diamond Rewards Card ka. Imagine banking hours up to 7pm and wide network of branches nationwide. 

    Again,this is based on my analysis study and experiences.


    >Edited. Post #1716 of AMEX Thread III

  • Strong7PowerStrong7Power Member PEx Moderator
    edited April 2


    (*Not Updated*)
    Bank Loyalty Program REVIEW:
    BDO Diamond Rewards vs BPI Preferred Banking
    By gibsonfan

    The two biggest banks in the country offer a "mass affluent" banking product for their clients. These are different from Private Banking products, which the two banks also offer. In this post, I'd like to compare the two banks' mass affluent programs - BDO Rewards Diamond and BPI's Preferred Banking (also known as "Preferred Client" or "Gold" by some). 

    https://i.imgur.com/LSiKVD9.jpg

    BANK OF THE PHILIPPINE ISLANDS (BPI)
    Mall/Shopping Perks

    As we all know, both banking groups are owned by the two biggest mall/shop operators in the country as well. Ayala for BPI and SM for BDO. Both banking products offer perks with both groups. 

    BPI offers automatic eligibility to be invited to Ayala Rewards Circle - Ayala's own elite shopper program. This is given for free for any top customer of an Ayala brand (in Globe, for example, Platinum subscribers get membership as well). BPI Preferred is one way to get in. There are no points in the program but you do get perks such as year-round discounts at shops, hotels, Ayala-owned car dealerships  and restaurants. You also get access to ARC's very own concierge service (which is very good, in my experience) to help you with all kinds of requests - reservations, trip assistance, etc. ARC also offers free lounge access to Ayala Malls lounges and paid restrooms as well as priority lanes in all Ayala Malls Cinemas (separate line for ARC members). You also get priority service in all Ayala brands (no need to line up at Globe, BPI, etc). Lastly, they also send out semi-regular invites to ARC members-only events - I've had invites for exclusive product launches by designer brands, talks/seminars, etc. 

    Here are the BPI perks (waived fees, discounts on rates, forex): 

    https://i.imgur.com/nM4ah8N.jpg

    How do I get one?

    https://i.imgur.com/dLDIzon.png

    They used to be invite-only but they now have clear eligibility criteria as you see above. 250k in a single account. 


    BANCO DE ORO (BDO) UNIBANK, INC.

    BDO offers a tiered program actually via BDO Rewards. Emerald is the lowest while Diamond is the highest. For this post, I will be using the Diamond level as this is their mass affluent level product. 


    Mall/Shopping Perks

    BDO is owned by another large operator - SM. As such, its banking product is also tied in to SM's large network of malls and shops. The biggest difference here is that BDO Rewards has a very comprehensive points system. Any shopping you do at any SM affiliated store or partner store earns you points, which are valued at 1 point per peso. This effectively gives you a cashback rebate mechanism (at 1 point/200 spend at SM Dept Store for example, you get an effective cashback of 0.5% - very similar to what cashback credit cards offer, and this is on top of any credit cards points/rewards you get since this is a separate system). As a free component of the program, it's a no-brainer to always use your BDO Rewards card whenever you buy anything at SM. Their partners also vary - Uniqlo is partner as well as Shell Gas Stations. BDO Rewards also runs a lot of promo campaigns year-round tied-in with SM Advantage, the mall's own program. For example, they now have 2-3 PHP discounts at Shell stations per liter and they often run bonus points days. Diamond level members get all the perks that SM Prestige offers as well - access to Prestige lounges in malls, access to Prestige lanes at stores and groceries, personal shoppers, a separate secure baggage counter at lounges, and free gift wrapping. Diamond members also get invites to Prestige-only sales. During SM sales, Diamond members usually get first dibs since first days are usually reserved for Prestige. They also usually offer extra 5-10% discounts. SM Cinemas also offers separate lanes for Diamond members so you no longer have to line up. 

    Diamond also offers some exclusive perks such as free airport lounge access (also offering access to the elusive Pacific Club in T3, which only BPI Skymiles Platinum has). T1 access is given with an option of 2 lounges (PAGSS and Cub Manila). 

    The BDO perks are also not bad. Virtually all BDO transactions gets you points as well - deposits, paying bills online, loans, etc. They give you free checkbooks, manager's checks, waived fees, and the like as well. Perhaps most importantly, Diamond members are given priority whenever transacting at any BDO branch - just show your card to the guard/officer and they'll assist you right away. No need to line up. This is extremely valuable especially since BDO offers the only almost 24/7 branch banking in the country. Their branches in major areas like malls or casinos are open even on weekends and holidays. Having instant access to any branch on any day with no need to line up (mall branch lines are usually long) is a big plus for anyone who has a lot of banking transactions regularly. 

    How do I get one?

    https://i.imgur.com/A6KERt9.png

    BDO has a higher barrier to entry. At 5M for initial membership, you can already get access to the mass affluent programs of the country's international banks (Citigold, HSBC Premier), which have their own set of strengths, especially if you do a lot of overseas transactions. But depending on your needs and lifestyle, the 24/7 priority branch banking, easy access to branches (largest branch network) and SM perks may be more compelling. 


    The Verdict 

    Both have their own set of strengths. ARC is a more unique loyalty program than SM's Prestige but does not offer any points-earning whatsoever. A large factor may be where you go more - Ayala Malls or SM Malls. One also has to consider that BDO has a much wider reach than BPI in terms of branches, especially in malls and weekends/holidays. BDO Diamond offers slightly more perks like airport lounge access. In-branch treatment is sort of better with BDO Diamond vs BPI Preferred in my experience. Some BPI branches don't have Preferred banking lanes (while some that do don't have a teller in them  ). With BDO Diamond, it's more discreet as well - you can go straight to any officer or manager and they'll handle your transaction behind the scenes. For some people, it's uncomfortable to transact at BPI Preferred lanes especially when you see a sea of people in the branch waiting for their turn. 

    I wish they start to offer better perks for both banks. Other banks are catching up - Security Bank Gold Circle gets you free ATM withdrawals anywhere - like HSBC and Citi. You can also open an account and do everything online - they send someone to your house/office to finalize it. EastWest Priority Banking gets you a FFL Visa Infinite credit card, which has a good rewards system. 

    In my case, I must say I prefer BDO Diamond more than BPI Preferred. The extra perks like lounge access at airports is a big plus, even if you already have it via other means - Priority Pass or credit cards like Amex Platinum. It's always nice to have a back-up. My own in-branch experiences also have shown me that BDO treats its customers well, especially Diamond customers, vs BPI, even if you are a Preferred Client of BPI. That said, BPI Preferred is still a good program. I keep it primarily since I still use the BPI mobile transfer facility to receive payments sometimes, it's still the most common bank transfer done among Filipinos I think. ARC is also not bad - but it's attainable via other means as well. 

    * for those interested in Private Banking products, you may contact their units directly - BDO starts at 5-10M while BPI starts at 25M. 

  • Strong7PowerStrong7Power Member PEx Moderator
    edited April 7
    Are AMEX and DCI card points eligible for BDO Rewards Card points conversion?
    NOT ELIGIBLE.

    Why AMEX Cards cannot consider BDO Credit Cards (technically)
    Though issued by the PH's Largest Bank, American Express and DCI cards are somehow separated among BDO credit cards arsenal.
    MasterCard, Visa, JCB, and CUP brands are considered BDO Credit Cards.
    AMEX (even Discover/DCI) has own different business model and separate membership rewards program and catalogue (AMEX MR & AMEX Incentivo) from BDO Credit Cards catalogue.
    Aside from partnering with other financial institutions (in our case, BDO), AMEXCO also works as the credit card issuers.
    Check the https://www.binlist.net/ to see if BDO-issued AMEX card is tagged as BDO credit card or not.
    Maybe (my assumption), this is also the reason why AMEX Card (even Diners/Discover cards) does (do) not qualify as a requirement for BDO Rewards loyalty program

  • Strong7PowerStrong7Power Member PEx Moderator
    ITULOY NA ANG TALAKAYAN SA SINULID NA ITO.
  • Strong7PowerStrong7Power Member PEx Moderator
    edited April 27
    UPDATED REQUIREMENTS as of November 2018:

    Image uploaded by newbie888 - BDO Cards S4 (page 108)


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