BDO JCB Gold

Why this card

Highlights

Free supplementary card for life; principal and subsequent supplementaries free first year
Earn Peso Points on everyday purchases
Up to ₱10 Million FREE Family Travel Insurance
FREE JCB Plaza Lounge access at tourist shopping areas globally
6 free airport lounge accesses in Japan and Hawaii
Installment programs with 0% interest up to 24 months

Perks

Travel

Up to ₱10 Million FREE Family Travel Insurance when you charge airline and transportation tickets
6 free airport lounge accesses in Japan and Hawaii (April 1, 2026 to March 31, 2027)
JCB Global WiFi with exclusive discount on Wi-Fi router rental in Japan; access to JCB Japan Guide app

Lounges

FREE JCB Plaza Lounge access at tourist shopping areas in select cities globally

Installment

Buy Now Pay Later with 0% interest up to 24 months and flexible terms of 3, 6, 9, 12, 18, 24 or 36 months at over 25,000 partner merchants
Balance Transfer, Purchase Convert, Balance Convert, and Cash Installment options with low monthly add-on rates

Dining

Shopping

What you'll need

Valid photo-bearing identification document (front and back): Government-issued ID such as Philsys ID, Passport, Driver's License, SSS ID, etc. (or valid school ID for studying supplementary applicants)
For foreigners: Copy of Employment Contract or Certificate of Employment; Letter from Embassy if Embassy official; and one of the following: Valid VISA and work permit, Alien Certificate of Registration (ACR) or Immigrant Certificate of Registration (ICR) or ACR-I, or valid passport with Special Investors Resident VISA, Special Non-Immigrant VISA for PEZA investors/employees, or VISA with EO226
Photocopy of latest Income Tax Return (ITR) duly stamped by BIR or BIR Form 2316 signed by employer's authorized representative (MANDATORY for employed applicants)
For employed applicants: Latest full-month payslip(s), or Original Certificate of Employment indicating status, service tenure, and compensation breakdown, or if existing credit cardholder, copy of last two months statements of account of your credit card that is at least 1 year on books
For self-employed applicants: Photocopy of latest ITR duly stamped by BIR and Audited Financial Statements for at least two years (MANDATORY); Photocopy of registration of Business Name (MANDATORY); DTI Registration for Single Proprietorship or SEC Registration for Partnership/Corporation; Last 3 months bank statements (OPTIONAL)