1. BDO Rewards Points are earned from maintaining account deposit (MTD ADB) in your personal Savings/Checking account.

• 1 point for every P10,000 MTD ADB for MTD ADB of P100,000 to P4,999,999
• 1 point for every P50,000 MTD ADB for MTD ADB of P5,000,000 and above

2. For BDO Credit Cardholders, points may be earned by redeeming credit card points for transfer to BDO Rewards.

3. Points are earned per qualified personal Savings and Checking accounts on a per account basis i.e. each Savings/Checking account should have minimum P100,000 deposit balance (MTD ADB) to earn points. Values of accounts are not aggregated when determining points to be earned.

4. Points are posted on the member's account as follows:

^{* Posting or loading of points is enabled when Rewards card is activated as stated in Activation portion, item no. 1.}

5. Should a member have multiple accounts in BDO that resulted to multiple BDO Rewards Cards, BDO has the right to cancel the other card/s in excess of one (1) and retain only one (1) surviving card. All valid points from the other card/s will be transferred to the surviving card & only the surviving card will continue to earn points from valid transactions.

6. Dormant accounts are not entitled to earn points.

7. All earned, unredeemed or unused points shall expire after five (5) years from the month the point/s are earned unless otherwise determined by BDO.

8. Points cannot be earned from tax and other government charges payment transactions.

9. Points earned by the member do not constitute property of the member.

10. BDO reserves the right without need of notice to or consent from member, to make adjustments on earned or accrued points as it sees fit, including, but not limited to, deduction of points arising from BDO’s resolution of disputes and/or from over–crediting/mis-crediting of points (“erroneous credit/s”). In which case,

a. BDO shall make the necessary reversal of points that were erroneously credited but not yet spent/used by a member by deducting said points from member’s points balance.

b. In the event that the erroneously credited points were already spent/used by the member with or without knowledge or notice of such erroneous credit, or in the event the BDO Rewards Card of member does not have sufficient balance to fully settle the erroneous credits, member agrees and undertakes to immediately return to BDO the Philippine peso equivalent of the erroneous credits due upon demand. 

11. Without prejudice to other grounds for membership cancellation and forfeiture of points set forth elsewhere in these Terms and Conditions, BDO reserves the right to forfeit any and all points earned from any and all types of transactions, and/or cancel the membership, at BDO’s sole discretion, in any or all of the following instances:

a. Death or legal incapacity of member;

b. Violation of BDO Rewards Terms and Conditions;

c. BDO Rewards Program abuse or mis-use, fraudulent, unauthorized or unlawful transactions on the BDO Rewards Card (e.g. fraudulent, unauthorized or unlawful points redemption);

d. Member’s account/s is/are subject to garnishment, execution and/or freeze order; or

e. Other reasonable ground/s as may be determined by BDO.

Further, in case of member-initiated cancellation of his/her BDO Rewards card/membership, BDO reserves the right to automatically forfeit all earned points.

Version August 2021

1. BDO Rewards Program is a privilege granted by BDO to its clients for their continued loyalty. The Terms and Conditions herein cannot be superseded nor changed except by BDO. Failure of BDO to enforce a particular term, condition or guideline does not constitute a waiver thereof or of any other term, condition or guideline.

2. BDO reserves the right to appoint agent(s) and/or contractor(s) to perform the functions in relation to the BDO Rewards Program, including but not limited to disclosing member information. Accordingly, reference to BDO under these terms and conditions shall automatically include such agent(s) or contractor(s).

3. BDO reserves the right at all times to withdraw, cancel, withhold, substitute, deny access to or use of, or in any way change any of the program mechanics including perks and privileges previously advertised or offered to any member at any time, without prior notice, and BDO will not be liable for any loss or damage suffered by the member resulting from such withdrawal, cancellation, variation or change.

4. BDO shall use all reasonable endeavors to provide members with accurate and timely information regarding BDO Rewards including any changes thereof. However, BDO shall not be liable in any way for failure to do so. 

5. Member irrevocably authorizes BDO, its subsidiaries and affiliates (related companies), and their respective officers and employees, to do any one or all of the following:

a. Release, disclose, submit, share, or exchange any member and/or card information and reports as they may deem fit or necessary and for lawful purposes, including but not limited to consumer reporting or reference agencies, government regulatory agencies, and to other banks, creditors, financial institutions, loyalty program partners, merchant partners, service providers, or third party;

b. Use or share with third parties the information member has provided and/or information derived from external sources for conducting internal marketing studies, surveys, marketing activities or promotional offers of BDO, its Related Companies, merchant partners, and/or to develop and make offers which member may receive through email or through other means of communication For the above purposes, Cardholder hereby waives his confidentiality rights under the relevant laws, government rules and regulations, and hereby agrees to indemnify and keep BDO and Related Entities, including their respective directors, officers and employees, free and harmless from and against any and all claims, suits, actions or proceedings which may arise as a result of or in connection with the release and disclosure of the member and/or card information as set out above. 

6. In addition to other non-liability/indemnification provisions in favor of BDO, member hereby agrees to indemnify and render BDO, its directors, officers, employees and agents and assigns, free and harmless from and against any claim, cause of action, suit, liability, loss or damage of whatever nature which may arise as a result of or in connection with the use of the card and the transactions made with the use of the card, in the following instances:

a. Disruption, failure or delay relating to or in connection with the use of the card which is due to circumstances beyond the control of BDO, fortuitous events such as but not limited to prolonged power outages, breakdown in computers and communication facilities, computer-related errors, typhoons, floods, public disturbances and calamities and other similar or related cases;

b. Fraudulent or unauthorized utilization of the card due to theft, unauthorized disclosure or breach of security or confidentiality of card information with or without member’s participation;

c. Inaccurate, incomplete or delayed information received by BDO due to disruption or failure of any communication facilities or electronic device used for the card;

d. Mechanical defect in or malfunction of the electronic device on which the card is used (i.e. POS, etc.), the card not being honored or being declined; any delay in the crediting of points due to or by reason of failure and/or malfunction of any mechanical, electronic or other part, component, system or network upon which the card is critically dependent on normal and efficient operations; and/or

e. Improper, unauthorized use of the card’s facilities and electronic devices (i.e. POS, etc.); or recklessness or accident in connection with the use thereof. The above provisions shall survive the termination or suspension of the right to use the card.

7. BDO’s entire liability for loss or damage (if any) in connection with card use shall be limited to the amount of P10,000 or the actual damage or loss incurred, whichever is lesser. BDO shall not be liable for any special, consequential or indirect damage suffered by the cardholder from the use of the card even if BDO has been advised of the possibility thereof. This provision shall survive the termination or suspension of the right to use the card.

8. By becoming a member under the BDO Rewards program and/or using the BDO Rewards Card, the Member agrees to be bound by these terms and conditions as may be amended, supplemented or updated by BDO from time to time. Complete and updated information about the BDO Rewards program including, but not limited to the Terms and Conditions, program mechanics, promotional offers, member perks and privileges are reflected in the BDO Rewards portion of the BDO website: www.bdo.com.ph/rewards (collectively "BDO website contents"). In case of conflict between any information, terms and conditions related to the program, contained in print or non-print/digital form outside of the BDO website, and the BDO website contents, the latter shall prevail.

9. For any complaint or concern, the member may visit the branch of account or the BDO Consumer Assistance Management System at www.bdo.com.ph/consumer-assistance. The member agrees and understands that BDO will endeavor to resolve any properly communicated complaint within 7 to 10 banking days from BDO’s receipt of the complaint with complete information, and that for complaints requiring more time to investigate and resolve, BDO will advise Member accordingly, including the progress thereof. Member agrees to fully cooperate with any such investigation by providing the necessary or required data, information, and documents.

Version July 2022