BDO Unibank has introduced a limited-time promotion offering a five-year waiver of membership fees for select credit cardholders who activate and use their cards during a specified promotional period. This initiative, part of BDO’s efforts to reward customer loyalty and encourage credit card usage, is available to targeted cardholders who receive an SMS invitation. The promotion runs from June 1 to August 31, 2025, and applies to a range of BDO Gold and Classic credit cards. Eligible participants must activate their card and complete at least one transaction within the promo period to qualify for the waiver. This offer provides a valuable opportunity for both new and existing BDO cardholders to enjoy long-term savings on membership fees while accessing additional card benefits.
The promotion is structured to incentivize card activation and usage, with clear eligibility criteria and terms outlined by BDO. It is designed exclusively for invited cardholders, ensuring that only those who meet the specific requirements can benefit from the fee waiver. Beyond the fee waiver, BDO credit cards also offer various perks, including dining deals, travel insurance, and rewards programs. The promo is governed by strict terms and conditions to prevent misuse, and BDO reserves the right to revoke the waiver for invalid or fraudulent transactions. Cardholders are advised to review the full terms and conditions on the official BDO website or contact customer service for clarification.
Eligibility and Participating Cards
The “5-Year Membership Fee Waiver Activation Program” is open only to targeted BDO Credit Cardholders who receive a promotional invitation via SMS. This exclusivity ensures that the offer is directed to specific customers, likely based on their account history or promotional criteria. Qualified cards include a variety of BDO Gold and Classic Credit Cards, such as the BDO Gold Mastercard, BDO Visa Gold, BDO American Express Cashback®, BDO American Express® Explorer™, BDO JCB Gold, BDO Gold UnionPay, BDO Diners Club International, BDO ShopMore Mastercard, BDO Standard Mastercard, BDO Bench Mastercard, BDO Visa Classic, BDO Blue from American Express®, and BDO JCB Lucky Cat. Additionally, the promotion extends to BDO Mastercard Series (ShopMore, Standard, Bench, Gold, Platinum), Visa Cards (Classic, Gold, Platinum), JCB Series (Lucky Cat, Gold, Platinum), UnionPay (Gold, Diamond), American Express® Cards (Blue, Cashback, Explorer, Platinum), Diners Club (International, Premiere), and the BDO Installment Card. Virtual cards are also eligible, provided they meet the activation and usage requirements.
To qualify for the waiver, cardholders must activate their credit card and make a single transaction of any amount during the promo period. This transaction can be for any purchase, but certain exclusions apply. For instance, cancelled, disputed, or reversed purchases do not count toward eligibility. The card must remain active and in good credit standing until the waiver is awarded. Only one waiver can be awarded per eligible cardholder, and the offer cannot be combined with other BDO promotions. BDO reserves the right to revoke the waiver for any invalid or fraudulent transactions, and disputes regarding eligibility or fulfillment will be resolved by BDO in coordination with the Department of Trade and Industry (DTI) under Fair Trade Permit No. FTEB-225875, Series of 2025.
How to Participate and Key Deadlines
Participation in the promotion is straightforward for invited cardholders. Upon receiving the SMS invitation, eligible individuals should activate their BDO credit card immediately if it has not already been activated. Activation can typically be done through the BDO online banking portal, mobile app, or by contacting customer service. Once activated, the cardholder must make at least one transaction using the card. This transaction can be as simple as a small purchase at a retail store or online, but it must be completed within the promotional period, which ends on August 31, 2025. After meeting these requirements, the five-year membership fee waiver will be applied to the cardholder’s account, provided all conditions are satisfied.
It is important to note that the promo period is fixed, and no extensions have been announced. Cardholders who fail to activate their card or make a qualifying transaction by August 31, 2025, will not be eligible for the waiver. BDO encourages participants to verify their card’s activation status and transaction history promptly to ensure compliance. For full terms and conditions, cardholders are directed to visit the official BDO website at www.bdo.com.ph or contact BDO Customer Service for assistance. This promotion is a limited-time opportunity, and interested parties should act quickly to secure the benefits.
Additional Perks and Benefits of BDO Credit Cards
Beyond the five-year fee waiver, BDO credit cards offer a range of perks that enhance their value for everyday use. For example, BDO Gold Credit cards include benefits such as dining deals, travel insurance, and the ability to earn peso points and miles. These rewards can be redeemed for various services and products, adding further incentive for card usage. Similarly, BDO Classic Credit Cards provide access to perks on select dining establishments, a Buy Now Pay Later Scheme at 0% interest, and the opportunity to earn Peso Points and other rewards. These features are designed to cater to a diverse set of consumer needs, from dining and travel to shopping and financial flexibility.
BDO also runs other ongoing promotions that complement the fee waiver offer. For instance, cardholders can enjoy deals such as the “Ocampo’s Fine Jewellery Buy Now Pay Next Year” promotion, which runs until December 31, 2025, or the “BDO Mastercard: Free Tempura & Botekara Drumettes at Botejyu” offer, valid until January 30, 2026. Additional promotions include “Buy Now Pay Next Year” offers at Eco Jardin and Meraki (both until December 31, 2025), EVA Air Holiday Deals with low fares to Taipei, Japan, USA, and Europe (until December 5, 2025), and the SM Store Christmas Bonus Blowout offering up to ₱1,000 off plus extra savings with BDO Credit Cards (until November 16, 2025). These promotions highlight BDO’s commitment to providing value-added benefits to its cardholders, though they are separate from the five-year fee waiver program.
Terms and Conditions and Important Considerations
The five-year membership fee waiver promotion is subject to strict terms and conditions to ensure fairness and prevent abuse. As noted, only one waiver per eligible cardholder is permitted, and the card must remain in good standing throughout the evaluation period. Transactions that are cancelled, disputed, or reversed will not count toward eligibility, and BDO has explicitly excluded virtual cards from certain benefits in other contexts, though they are eligible for this waiver. The offer is non-transferable and cannot be stacked with other BDO promotions. BDO retains the authority to invalidate the waiver if any suspicious activity is detected, such as fraudulent transactions or attempts to circumvent the rules.
Disputes related to eligibility or fulfillment will be handled by BDO in accordance with DTI regulations, specifically under Fair Trade Permit No. FTEB-225875, Series of 2025. This oversight ensures transparency and accountability in the promo’s execution. Cardholders are urged to keep records of their activation and transaction details in case of any inquiries. For those who do not receive an SMS invitation, this promotion is not applicable, and BDO may offer other promotions in the future. The company’s focus on rewarding loyal customers through targeted offers like this one aligns with broader industry trends in banking and credit card services.
Conclusion
The BDO Unibank five-year membership fee waiver promotion represents a significant savings opportunity for targeted credit cardholders, offering long-term benefits for a simple activation and transaction requirement. By focusing on invited participants and a clear set of eligible cards, BDO ensures that the offer reaches its intended audience while maintaining strict eligibility controls. Cardholders who qualify can enjoy not only the fee waiver but also the broader perks associated with BDO credit cards, such as rewards programs and promotional deals. Interested individuals should verify their eligibility, activate their cards, and complete a transaction before August 31, 2025, to take advantage of this limited-time offer. For complete details, refer to the official BDO resources.