FAQs
How long does it take to process my application?
Processing typically takes three (3) weeks from the time your HR Department submits your application forms to the SM E-Card Department.
Does the card automatically renew?
Yes, the SM E-Card automatically renews every five (5) years, and there is no renewal fee charged to the cardholder.
Does the cardholder need to be present when using the SM E-Card?
Yes, the SM E-Card is strictly for the cardholder’s use only, and the cardholder must be present when using it.
Can we earn SMAC points when using the E-Card?
Yes, you can earn SMAC points when using the SM E-Card. Simply present your SMAC Card each time you use your SM E-Card.
What should we do if the card is lost?
Call the BDO hotline at 8888-0000 to report the lost card and notify your HR department for card replacement.
How much is the fee if the card is stolen or lost?
The replacement fee is Php100, which can be paid in four (4) installments.
For card replacement, how do I pay the replacement fee?
For defective cards, replacement requests must be made through HR.
No fees or charges will apply.
What are the conditions that may lead to SM E-Card suspension?
The SM E-Card will be suspended if the net pay falls below 30% of the salary. It will also be suspended if the employee is on maternity leave, extended absences, or AWOL (Absent Without Official Leave).
How long will it take to use the card after suspension?
You can use the SM E-Card again after five (5) banking days from payday, once your net pay is at least 30% of your salary.
Can the SM E-Card be used for online transactions?
No, the SM E-Card cannot be used for online transactions.
Can we use the SM E-Card for cash advances?
No, the SM E-Card cannot be used for cash advances.
Can I settle my E-Card transactions via BDO Online or over-the-counter?
No, payments made via BDO Online or over-the-counter will not be processed. BDO will continue the automated billing for the amortization through SM, and the corresponding amount will be deducted directly from your salary
What are the billing cut-off dates for E-Card transactions?
- The purchase period from the 28th day of the previous month to the 12th day of the current month has a billing cut-off on the 12th day of the current month.
- The purchase period from the 13th day to the 27th day of the current month has a billing cut-off on the 27th day of the current month.