Why the BDO Rewards Card is Better Than the SM Advantage Card

I learned about the BDO rewards card from another blogger a few years ago and I got really interested. The problem is, I didn’t have a BDO account at that time. I used to have one but it was a payroll account and I left it to close when I resigned.

Over a year later, I opened a new BDO account and totally forgot about the reward card. Which is why receiving a card in the mail after two years came as a surprise. I immediately enrolled it online so I could check my points at any time.



What do you get from the BDO rewards card? It is exactly the same as your SM advantage card plus more. All SM department stores and groceries, including participating stores, accept it. The only difference is you get to earn more points since your BDO online payments are counted! Even auto loans and home loans earn you points.

How could one qualify for a BDO rewards card? You should have an existing BDO bank account, of course. Your branch will send you the reward card for free when you reach a month-to-date average daily balance of Php50,000.


I have been using my points several times in the past, mostly when buying medicine at Watson’s. Last Sunday, I stopped at a SaveMore branch after working out at a nearby gym. I only needed milk, a bag of brown rice, bread, and some canned goods which I estimated at around Php500 in total. I was so hesitant to use my credit card but I didn’t have enough cash. When the lady at the counter swiped my BDO rewards card, it reminded me to use my points. I asked her to check my balance and I did have 377 points available. My total is Php521 so I only paid Php144! Wonderful!

These are one of the small things that I use to take for granted. I hated it when SM sales ladies ask for an advantage card every time I’m at the counter; I hated it more when they offer me one. But when I got my BDO rewards card, I would actively hand it to them the moment I check out.

Again, in addition to the points that you can earn from shopping, you can earn points from your BDO online bills payment too! Which reminds me to go back to using my BDO account when paying my bills online, instead of my credit card. I get rewarded from the former more; that is 5 points for a minimum of Php1000 bills payment. Not bad!

Are you also using BDO rewards card?

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