Frequently Asked Questions

How the Program Works Promos and Discounts Perks and Privileges How to Earn and Redeem Points

Find the answers to a wide range of questions about BDO Rewards here.

Membership

What are the requirements to join the program?

Personal Peso / Dollar Savings or Checking Account with minimum month-to-date average daily balance (MTD ADB) of P100,000 / US$2,000

How will members be informed of the new program?

Once qualified, the BDO Rewards Welcome Kit of Emerald and Sapphire members is sent to the client’s address. The Welcome Kit contains the BDO Rewards Card and all other relevant program information.

For Diamond members, the card will be sent to his branch of account. The Branch Manager will deliver the Welcome Kit to the member personally.

What do members have to do when they receive their Welcome Kit?

First, they have to activate their BDO Rewards card. Members can activate their card in two ways:

a. Via SMS

BDOR<space>AC<space>Last 8 digits of the

BDO Rewards card number<space>4-digit PIN

Send to 225600

Example: BDOR AC 16076180 0984

b. Via BDO Rewards Call Center Hotline

For members residing:

a. in Metro Manila: (02) 8631-8000

b. in Provinces within the Philippines:

            PLDT: 1-800-10-631-8000
            Digitel: 1-800-3-631-8000
            Globe Landline 1-800-8-631-8000
            Bayantel 1-800-5-631-8000

c. Overseas - For clients based abroad, they can activate using our International Toll-free Hotline Numbers: (Int'l Access Code) +800-8-631-8000

Countries		Contact Number
Australia		0011-800-8-631-8000
Austria	Netherlands	00-800-8-631-8000
Belgium	New Zealand
Cyprus	Norway
France	Spain
Germany	Switzerland
Ireland	United Kingdom
Malaysia	Taiwan
Brazil		0021-800-8-631-8000
Canada	USA	011-800-8-631-8000
Hawaii		011-800-8-631-8000
Greece		00800-6312-0018
Guam		800-0630-0021
Hong Kong	Singapore	001-800-8-631-8000
Korea	Thailand	001-800-8-631-8000
Israel		000-800-8-631-8000
Italy		800-872-390
Japan		010-800-8-631-8000
Saudi Arabia		800-863-0011
UAE

Second, they need to complete and submit their Member Data Update Form (MDUF) at any of the member's branch of account.

What are the advantages of being a BDO Rewards member?

To view the Program’s Perks and Privileges per tier, click here.

The BDO Rewards Card

How long is a Member's Card valid?

Validity date is reflected in the "valid thru" date printed on the card..

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 is a loyalty card which stores Rewards Peso points earned by a BDO Rewards member from his deposit balance with BDO. Rewards Peso points can be used to pay for shopping in The SM Store and SM retail affiliates like SM Supermarkets, Uniqlo, Watsons, Ace Hardware, etc.

How can a member activate his card?

Via SMS

Text the following syntax:

BDOR<space>AC<space>Last 8 digits of the Rewards card number<space>
4-digit PIN

Then send to 225600

Example: BDOR AC 01234567 0876

Via BDO Rewards Call Center

For members residing:

in Metro Manila: (02) 8631-8000
in Provinces within the Philippines: Domestic Toll-free:
1-800-10-631-8000 (PLDT)
1-800-3-631-8000 (Digitel)
1-800-8-631-8000 (Globe Landline)
1-800-5-631-8000 (Bayantel)

Overseas - Clients based abroad can activate using our International Toll-free Hotline Numbers: (Int'l Access Code)+800-8-631-8000.

Country	Access Code	Foreign Administrator
1. Australia	0011	OPTUS \| TELSTRA
2. Austria	00	TELEKOM AUSTRIA
3. Belgium	00	BELGACOM
4. Brazil	0021	EMBRATEL
5. Canada	011	TELEGLOBE
6. Cyprus	00	CYTA
7. France	00	FRANCE TELECOM
8. Germany	00	DTAG
9. Hawaii	011	GTE HAWAIIAN TEL CO.
10. Hongkong	001	REACH HK
11. Israel	00	BEZEQ
12. Italy	00	TELECOM ITALIA
13. Japan	010	JAPAN TELECOM \| KDD \| NTT
14. Korea	001	KOREA TELECOM
15. Malaysia	00	TELECOM MALAYSIA
16. Netherlands	00	KPN INTL
17. Newe Zealand	00	TNZL
18. Norway	00	TELENOR
19. Singapore	001	SINGTEL
20. Spain	00	TELEFONICA
21. Switzerland	00	SWISSCOM
22. Taiwan	00	CHUNGWA TELECOM
23. Thailand	001	CAT
24. UK	00	BT \| C&W
25. USA	011	AT&T \| MCI \| SPRINT
International Toll-free Numbers
Country	Toll-free Number
1. Greece	00800-6312-0018
2. Guam	800-0630-0021
3. Saudi Arabia	800-863-0011
4. Italy	800-872-390
5. UAE	800-0630-0021

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 loading of points earned from qualified bank transactions, continuous earning of points, points redemption and renewal of card. New members are given twelve (12) months to activate from date of card issuance. Failure to do so will result to forfeiture of points earned.

What if I forgot my PIN?

Please request for card activation and PIN reset assistance via either channel:

a. Call the BDO Rewards Hotline and speak to our Customer Support Officers:

02-8631-8000 (BDO Call Center, Metro Manila toll-free)
1-800-10-631-8000 (Domestic Toll Free)
(1-Area Code)+800-8-631-8000 (BDO Call Center, Provincial and International toll-free) OR

b. Visit your BDO Branch of Account

Membership Levels

How will a client be assigned a membership level when he qualifies to the program?

Membership level is determined by the Month-to-Date Average Daily Balance (MTD ADB) of the client’s personal Savings or Checking account:

Emerald Card

At least Php100,000 Peso (or equivalent US Dollar) Savings or Checking Account

Sapphire Card

At least Php500,000 Peso (or equivalent US Dollar) Savings or Checking Account

Diamond Card

At least Php5 Million Peso (or equivalent US Dollar) Savings or Checking Account

How will their membership tier level be determined upon card renewal?

The renewal membership tier level will be determined by the maintenance of the required Month-To-Date Average Daily Balance (MTD-ADB) threshold during the course of membership.

Emerald: At least Php100,000 Peso or US Dollar equivalent Savings or Checking Account

Sapphire: At least Php500,000 Peso or US Dollar equivalent Savings or Checking Account

Diamond: At least Php5 Million Peso or US Dollar equivalent Savings or Checking Account

Can a member’s card be upgraded to the next membership level within the 5-year card validity period?

Yes. A member will simply have to meet and maintain the qualifying threshold of the desired card tier.

Will redeeming points affect the points required to maintain or be upgraded to the next level?

No, redeeming of points will not affect the points required to reach the next level. Neither will it result to 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, all points transfered 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.

Redeeming Points

What is the value of a point?

1 point is equal to P1.00.

Do points expire?

Yes, points expire after five years. For example, unredeemed or unused points, earned in 2012, will expire on 2017.

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, and SM retail establishments and partners.

Is there a minimum amount required to redeem at SM?

Yes, members must redeem at least P20.00 per transaction.

Points Redemption Procedure for Branches with No SM Malls

For members whose branch of account, as identified in BDO Rewards records, is located in an area with no SM Malls or SM retail affiliates (Non - SM branch) and do not wish to avail of items featured in promotional catalogues, redemption of points shall be accommodated as follows:

Credit to member's preferred personal Current Account/Savings Account (CA/SA). Crediting to a third party account is not allowed.
If member has no existing CA/SA (e.g client wuth BDO Credit Card only), BOA shall encourage member/client to open an account, where his BDO Rewards points shall be credited.
If member is not willing to open a CA/SA, a BDO Gift Check (BDO GC) shall be issued instead. Redemption via BDO GC shall be through a member's linked BOA only. (The BDO GC is issued Free of charge)

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.

How do you pay for the replacement fee?

Members have the option of paying the fee in cash through a BDO branch or through available points balance by calling the BDO Rewards Call Center.

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Deposits are insured by PDIC up to P500,000 per depositor.

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