BDO credit cardholders can take advantage of buy now pay later options at over 25,000 in-store and online partner stores. These plans provide flexibility for purchases starting from a minimum of P3,000, allowing payments over extended periods without immediate full payment.
Eligibility Requirements
- Active principal and supplementary BDO Mastercard, Visa, American Express, JCB, UnionPay, and Diners Club credit cardholders.
- Corporate cards, distribution cards, and purchasing cards are not eligible.
Promo Period
The promotion runs from January 1 to December 31, 2026, at all participating BDO-accredited partner stores, both in-store and online. Card brand acceptance may vary by store.
Key Benefits
- 0% interest financing for up to 24 months on qualified purchases.
- Regular installment plan with a low 1% monthly add-on rate for up to 36 months.
- Available at over 25,000 partner locations.
Participating stores decide the terms, items, services, and channels eligible for the 0% interest option.
How It Works
Qualified BDO credit cardholders can opt for buy now pay later on single purchases of at least P3,000, subject to the merchant's minimum agreement.
- 0% interest up to 24 months.
- Regular installment with 1% add-on rate per month for up to 36 months.
The first monthly installment appears on the next statement cycle after the transaction, due 25 days after the cut-off date.
Sample BUY NOW PAY LATER (BNPL) Payment Schedule:
For regular installments, the following monthly add-on rates apply:
Sample Computation:
Note: The computation serves as a guide for monthly amortization. Actual amounts may vary slightly due to rounding.
All BDO buy now pay later transactions require bank approval and deduct the full amount from the cardholder's available credit limit.
Acceleration Option
BDO may allow accelerating the remaining unbilled installments if the cardholder pays the total outstanding balance in full for that cycle. An Installment Processing Fee of 5% of the remaining balance or P500, whichever is higher, applies. The accelerated amount and fee become part of the outstanding balance due.
Additional Terms
In disputes regarding eligibility, dates, or fulfillment, BDO's decision prevails, in concurrence with DTI. The promotion follows the Terms and Conditions Governing the Issuance and Use of BDO Credit Cards.
Per DTI Fair Trade, Permit No. FTEB-244037, Series of 2025.