How the Program Works
Banking has never been this rewarding. Through BDO Rewards, you automatically get rewarded with free SM shopping points for qualified bank transactions.
The more points earned, the higher the membership level reached, and the more perks and privileges to enjoy!
BDO Rewards offers 3 membership levels. Each level having more perks and privileges to unlock and enjoy.
| Level |
Initial Membership Requirement* |
Renewal/Tier |
|---|---|---|
 Emerald |
|
Earn from 100 to 2,499 points within the Card's 2 Year Tier Evaluation period**** |
 Sapphire |
|
Earn from 2,500 to 9,999 points within the Card's 2 Year Tier Evaluation period**** |
 Diamond |
|
Earn 10,000 points or more within the Card's 2 Year Tier Evaluation period**** |
*Month-to-date average daily balance (MTD ADB) per account. Accounts are not aggregated to meet the minimum requirements.
**Effective August 1, 2018
***Or the Card's validity period - The 24 month period wherein the points credited to the card are monitored as the basis for level retention, upgrade or downgrade. Although, at anytime during the 24-month period, a member may be upgraded automatically to a higher membership tier as soon as he reaches the points requirement for that tier. A new card shall be issued with the same card number.
Earn Points
- Get Rewards Points for qualified bank transactions at BDO.
- One Point equals P1.00.
Use Points
- You can use your Points to pay for purchases at any branch of The SM Store, SM Supermarket, SM Hypermarket, and SM retail establishments such as Watsons, Toy Kingdom, Ace Hardware, Forever 21, Uniqlo, SM Appliance Center, and more.
