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Credit card · UnionPay · Rewards

BDO Diamond UnionPay Credit Card

by BDO Unibank, Inc.

UnionPay networkRewards card

Quick take

Main benefit

Simple points. You earn points on every purchase — no categories to track.

Main catch

The yearly fee returns after the first year (₱5,000) unless the bank waives it.

Income needed

₱93,000/mo The bank does the final check.

Annual fee

₱5,000/yr Waived for the first year.

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Truva may earn a fee if you apply through a partner link. This does not change your terms or our picks. Banks make the final approval decision.

Is this card for you?

Good fit if
  • You want simple rewards without tracking categories.
  • You pay your balance in full each month to avoid interest.
Look elsewhere if
  • You'd rather earn straight cashback than points or miles.
  • You expect to carry a balance from month to month.
  • You earn below ₱93,000 a month.

The numbers

Earn ratepoint per Php 50 spend
Annual fee₱5,000/yr
Interest if unpaid3.00% / month
Late payment fee₱850
Foreign currency markup0.85%
›More fees and details
Cash advance fee₱200
Over-limit feeStill being checked with the bank
Effective annual interestStill being checked with the bank
Fee waiverAutomatic waiver when cumulative annual spend reaches P600,000 in the preceding calendar year; first 3 years are unconditionally waived

The catch

  • The yearly fee returns after the first year (₱5,000) unless the bank waives it.
  • Interest is steep if you don't pay in full — about 3.00% a month.

Ready to decide?

Apply on BDOCompare similar cards

Truva may earn a fee if you apply through a partner link. This does not change your terms or our picks. Banks make the final approval decision.

You'll finish on BDO's official site. Truva doesn't collect your application or see your details.
›What you'll need before you start
  • One valid government ID— passport, driver's license, UMID, or PhilSys.
  • Proof of income — a recent payslip, your latest ITR, or a COE with salary.
  • Proof of billing address — a utility bill or a bank statement.
  • 10–15 minutes to fill out BDO's application form.
From BDO's official page · Checked May 27, 2026

Truva may earn a fee if you apply through a partner link. This does not change your terms or our picks. Banks make the final approval decision.

Apply on BDOCompare