BDO – 5% Rebate

Spend at any local supermarket, drugstore, or gas station
Spend a minimum cumulative amount of P30,000 from February 1 to March 31, 2025 using BDO UnionPay Credit Card.
For cumulative spend, the minimum amount per transaction is P2,000.

Enroll
Join the promo by keying in your 10-digit Promo ID. 

Get up to P5,000 Cash Rebate
Rebate will be credited on or before May 7, 2025 and you will receive an SMS within two (2) banking days upon crediting. 

Promo Details

Get 5% rebate for a minimum single-receipt or cumulative spend of P30,000 on your local supermarket, drugstore, and gas purchase with BDO UnionPay Credit Card!

• For cumulative spend, the minimum amount per transaction is P2,000.
• A participating cardholder can earn a maximum of P5,000 rebate for every qualified BDO UnionPay Credit Card Card. 
• The rebate will be posted to the Principal Cardholder’s account on or before May 7, 2025. 

Promo Period
February 1 to March 31, 2025

Qualified Cards 

• BDO Gold UnionPay 
• BDO Diamond UnionPay 

Promo Mechanics

The 2025 BDO UnionPay Everyday Spend Rebate Promo (“Promo”) is open to all new and existing active Principal and Supplementary BDO Gold and Diamond UnionPay Credit Cards (“Qualified Cardholder”).

Promo period is from February 1 to March 31, 2025.

To participate in the Promo and earn a 5% rebate:

The Cardholder must enroll to the Promo using the Promo ID sent by BDO through Viber message, SMS, or email, until March 31, 2025. The Principal and Supplementary Cardholder must enroll to the promo separately for their respective cards and ensure that accurate information is provided.

The Cardholder must use his/her qualified BDO UnionPay Credit Card on local supermarket, drugstore, and gas purchases (in-store, online, Buy Now, Pay Later or Dip/Tap/Scan to Pay via BDO Pay) of at least P30,000 within the promo period. For cumulative spend, the minimum amount per transaction is P2,000. 

The following transactions are excluded from the Promo:

Overseas transactions

Any transactions used to register or redeem from other ongoing BDO Credit Card promos 

Purchases must come from one (1) qualified card only. A Principal Card is treated separately from the Supplementary Card. In computing for the total qualified spend amount, transactions of the Principal Card cannot be combined with the transactions of the Supplementary Card. It is the responsibility of the Qualified Cardholder to monitor his/her qualified spend.

For cardholders enrolled in Dual Currency feature, transactions made in US Dollar and other currencies will be converted to Philippine Peso based on USD 1 = P58. The amount will then be added to the total qualified Peso transactions to determine the total spend amount. 

BDO has the sole discretion to determine whether a transaction is classified under Supermarket, Drugstore and Oil Companies categories. BDO is dependent on the merchant category classifications assigned by its Acquiring bank on each merchant establishment to be able to identify qualified transactions. 

Terms and Conditions

1. The maximum rebate that can be earned per qualified BDO UnionPay Credit Card is P5,000 within the promo period.
2. Transactions of Principal and Supplementary Cardholders are computed separately for earning of rebates which will be credited to the Principal Cardholder’s account on or before May 7, 2025 with transaction description “2025 UP EVERYDAY SPEND REBATE”.
3. For Qualified Cardholders enrolled in dual currency feature, the rebate earned will be posted in Philippine Peso regardless if the account is enrolled in the Dual Currency feature. 
4. Qualified Cardholders who earned the rebate will be notified via Viber/SMS within two (2) banking days from the rebate crediting date. 
5. The Cardholder’s account must be active, and without any past due obligation from the start of the promotion until the scheduled awarding of the rebate. Otherwise, the rebate earned shall be forfeited. For cards with dual currency, delinquency of one currency affects the other and will no longer be qualified for the promo. 
6. Rebates awarded are non-transferable and non-convertible to cash. However, it is treated as a credit or payment for purchases of any outstanding balance on the Card. 

Earning and Crediting of Rebate

1. The Promo is non-transferable, non-cumulative, cannot be exchanged for cash or other products, and cannot be used in conjunction with other promotions, discounted items, and fixed price items (unless specified).
2. Any concern on the products and/or services related to the Promo should be directed and settled directly with SM Retail stores.
3. The minimum purchase requirement is defined as net of all applicable discounts.
4. Splitting of transactions for the purpose of getting multiple discounts is not allowed. Multiple transactions using one or more qualified BDO Credit Card/s under one Cardholder within a 15-minute interval shall be considered as a split transaction. If found to have split transactions, only the first qualified transaction will be eligible for the discount and BDO reserves the right to reverse or adjust the discount amount credited to the BDO Credit Card, at BDO’s discretion.
5. All BDO Credit Card transactions are subject to bank approval.
6. Terms and Conditions of BUY NOW, PAY LATER apply. For reference, click here.
7. Transactions covered by the Promo cannot be used in conjunction with, and may no longer be used, in any other ongoing BDO Credit Card Promos, such as but not limited to, credit card activation programs, points-multiplier promos and other cashback/rebate promos.
8. In the purchase of goods and services which are on promotional discount, the Senior Citizen and Person with Disability can avail of the promotional discount provided under the Expanded Senior Citizens Act of 2010 or Magna Carta for Persons with Disability, whichever is higher.
9. All questions or disputes regarding the Cardholder’s eligibility, coverage of dates, fulfillment, shall be resolved by BDO with the concurrence of DTI.
10. For promo-related complaints, BDO will handle complaints within 7 to 10 banking days from receipt of complaint, provided with complete information, proof of purchase, and other supporting documents. All questions and issues arising from the Promo will only be accepted not later than August 15, 2025, after which all matters relating to the Promo are considered conclusive.
11. The Promo is subject to the Terms and Conditions Governing the Issuance and Use of BDO Credit Cards.
    

General Terms and Conditions

1. Cardholder’s contact information must be updated to continue receiving card promotions/advisories. In case Cardholder did not receive the Promo ID via Viber/SMS or email, Cardholder may call the BDO Contact Center at (+632) 8888-0000 to get his/her assigned Promo ID. BDO will not be responsible for non-receipt of Viber/SMS or email notification due to incorrect or outdated contact details.
2. BDO has sole discretion in qualifying the transactions of a Cardholder based on the mechanics of the Promo. Once qualified by BDO, the transaction can no longer be used for another BDO promo even if the said transaction meets the criteria of the other promo.
3. The Promo cannot be used in conjunction with other ongoing promotional offers of BDO. Transactions that were already used for other BDO promotions can no longer be used to avail of the Promo and vice versa. If found to have multiple availments, BDO shall have the right to reverse or adjust the rebate credited to the Cardholder’s Qualified Card, at BDO’s discretion. 
4. Cardholders must examine their SOA for any errors related to the Promo (e.g. rebate computation, non-awarding of rebate). For promo-related complaints, BDO will handle complaints within 7 to 10 banking days from receipt of complaint, provided with complete information, proof of purchase and other supporting documents. All questions and issues arising from the Promo will only be accepted not later than July 7, 2025, after which all matters relating to the Promo are considered conclusive. 
5. BDO reserves the right to reverse or adjust the rebate posted if the qualifying transactions were disputed or cancelled at a later date, or if the transaction is found to be invalid or fraudulent, or a reversal of entry is made on any of the qualified transactions, or if there is erroneous posting of the rebate, or if the transaction was used to register or redeem from another ongoing BDO Credit Card promo. 
6. All questions or disputes regarding the Cardholder’s eligibility for the Promotion or for any redemption shall be resolved by BDO with concurrence of DTI. 
7. The Promo is subject to the General Terms and Conditions governing the issuance and use of BDO Credit Cards. 

Per DTI Fair Trade Permit No. FTEB-212724, Series of 2025