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The BDO Unibank ShopMore Mastercard credit card is a cobranded credit card that brings together the PH’s premier bank and largest retailer. This card enhances the overall shopping experience and savings for customers who frequently shop at ShopMore. Maximise savings and enjoy convenient payment terms when shopping for appliances, gadgets, home improvement supplies, and more.

Benefits

  • Earn up to 10X rewards points valid for discounts on future ShopMore purchases
  • 0% instalment plans up to 24 months for big-ticket purchases
  • Exclusive discounts and promotions not available to regular ShopMore customers
  • Access to travel insurance and emergency cash assistance worldwide
  • No annual fees
  • Hassle-free application process with pre-qualified card offers for BDO account holders
  • Manage your account easily through BDO’s digital banking channels

With accelerated rewards points, special discounts and installments, the ShopMore Mastercard gives you more savings when you shop. The 0% interest plans also let you pay for big-ticket items in flexible monthly payments.

Prerequisites

To apply for the BDO Unibank ShopMore Mastercard, you must meet the following requirements:

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  • Must be 21-65 years old
  • For principal card applicants – P25,000 monthly income
  • For supplementary card applicants – P15,000 monthly income
  • Active BDO or BDO Family Savings Account recommended

BDO Unibank

BDO Unibank is the largest bank in the Philippines in terms of assets, loans, deposits, and trust funds. It has been in operation for over 50 years since its establishment in 1968.

From humble beginnings as a family-owned bank, BDO has expanded to become the country’s leading full-service universal bank. It provides a wide range of financial services including corporate banking, investment banking, retail banking, trust services, insurance and more.

Aside from its vast branch network and ATM network in the Philippines, BDO also has an overseas presence including branches in Hong Kong and Singapore, and representative offices in Tokyo and New York.

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In recent years, BDO has embraced digital transformation through its mobile app, online banking, and BDO Nomura – its digital bank launched in partnership with Nomura Holdings. When you apply for the ShopMore Mastercard, you can trust that it is backed by one of the most stable, reputable, and innovative banks in the Philippines. The cobranded credit card gives you the best of BDO’s banking expertise and ShopMore’s retail perks.

Who Should Apply for the BDO Unibank ShopMore Mastercard Credit Card

The BDO Unibank ShopMore Mastercard is ideal for customers who frequently shop at ShopMore stores for appliances, gadgets, furniture, home improvement supplies, and more.

With its accelerated rewards points and exclusive discounts, this card is for ShopMore loyalists who want to maximize savings on their purchases. The 0% instalment plans also make it suitable for big-ticket shoppers buying items like electronics, major appliances, or furniture.

If you spend a significant portion of your household budget at ShopMore monthly, this cobranded credit card enhances your overall shopping experience and perks.

How to Apply for the BDO Unibank ShopMore Mastercard Credit Card

Follow these steps to apply for the ShopMore Mastercard:

  • Visit the BDO website and go to the credit cards section:
  • Click “Apply Online” on the ShopMore Mastercard banner. This will redirect you to the online application form.
  • Fill out the application form with your personal details, income documents, and preferred credit limit. Existing BDO account holders can log in to pre-fill some information.
  • Read and agree to the terms and conditions. Tick the consent box for sharing your data with ShopMore as the cobrand partner.
  • Click Submit. The bank will evaluate your application and inform you within 7 banking days if you are approved.
APPLY TO BDO UNIBANK SHOP MORE MASTERCARD CREDIT CARD HERE

You may also opt to apply via the BDO Mobile app to Apple Store ou Google Play App Store. Just go to the Credit Card section and select ShopMore Mastercard. Fill out and submit the form.

Positives and Negatives of the Card

Pros:

  • Up to 10X rewards points on ShopMore purchases
  • 0% instalment plans on big-ticket items
  • Exclusive discounts and promotions
  • Extensive BDO ATM and branch network
  • Digital account management via BDO app and online banking

Cons:

  • High foreign transaction fee of 3.5%
  • Requires monthly income of at least P25,000 for principal cardholder
  • Must activate and spend on card within 90 days, otherwise account will be cancelled

While the ShopMore Mastercard gives you more savings and perks when shopping at ShopMore, it does come with limitations like any other credit card. Make sure to consider the fees, income requirement, spending requirement, and other fine print before applying. But for loyal ShopMore customers, the accelerated rewards and installments outweigh the negatives.

Activating and Unlocking Your BDO Unibank ShopMore Mastercard

Once you have been approved and receive your BDO Unibank ShopMore Mastercard credit card, activate it through these simple steps:

  • Sign the back of your credit card as soon as you receive it. This helps prevent unauthorized use.
  • Call the BDO Credit Card Activation Hotline at (+632) 8631-8000. Provide your complete name and newly issued card details for verification.
  • Set your activation code or PIN. This 4-digit code will be needed for unlocking your card at ATMs or for overseas transactions.
  • After activation, you can unlock your card at any BDO ATM by inputting your 4-digit PIN. This immediately unlocks the card for local and international transactions.

With your card now active and unlocked, you can start enjoying rewards points, discounts, and other perks at ShopMore stores nationwide.

Fees and Tariffs

Here are the standard fees and interest rates associated with the BDO Unibank ShopMore Mastercard credit card:

  • Annual Fee: None
  • Interest Rate: 2.25% per month or 27% annually
  • Late Payment Fee: P800 if due date is missed
  • Cash Advance Fee: 2% of amount withdrawn or P200, whichever is higher
  • Foreign Transaction Fee: 3.5% of amount transacted
  • Overlimit Fee: P500 per occurrence if credit limit exceeded

Minimum amount due is 5% of outstanding balance or P500, whichever is higher. Interest is waived for 21 days from statement date for straight purchases. Read the complete card terms and conditions on the BDO website.

Customer Service Channels

For any concerns regarding your BDO Unibank ShopMore Mastercard, reach out through:

  • 24/7 BDO Credit Card Hotline: (+632) 8631-8000
  • BDO Website
  • BDO Mobile App: Downloadable on iOS and Android devices. Offers easy account management and support options.
  • BDO Online Banking
  • BDO Email: You can send emailed requests and inquiries to [email protected]
  • Visit any BDO Branch Nationwide: BDO has over 1,400 branches where you can personally seek assistance.

To report lost or stolen cards, immediately call the 24/7 hotline. For other concerns like requesting statement of account (SOA) copies or disputing charges, the quickest way is through BDO’s digital banking channels. But personalized service is always available nationwide through branches and the customer hotline.