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Credit card · Mastercard
BDO HOPE Mastercard
by BDO Unibank, Inc.
Mastercard network
Quick take
Main benefit
A basic card. No rewards program is listed for this card yet.
Main catch
The yearly fee returns after the first year (₱1,200) unless the bank waives it.
Income needed
₱33,000/mo The bank does the final check.
Annual fee
₱1,200/yr Waived for the first year.
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 pay your balance in full each month to avoid interest.
Look elsewhere if
- You expect to carry a balance from month to month.
- You want the highest rewards rate on the market.
The numbers
Earn rateStill being checked with the bank
Annual fee₱1,200/yr
Interest if unpaid3.00% / month
Late payment fee₱850
Foreign currency markup0.85%
›More fees and details
Cash advance fee5.00% or ₱500
Fee waiverFirst year free; succeeding-year annual membership fee is non-waivable.
The catch
- The yearly fee returns after the first year (₱1,200) unless the bank waives it.
- Interest is steep if you don't pay in full — about 3.00% a month.
Ready to decide?
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 Jun 3, 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.