Converting your recent big purchases into manageable installments can help you balance your monthly budget. BDO is offering a low monthly add-on rate of 0.55% for qualified cardholders who want to convert their straight purchases into installment plans.
Promo Details
The promo runs from June 1 to November 30, 2026, split into two availment periods:
| Run | Availment Period |
|---|---|
| 1 | June 1 to August 31, 2026 |
| 2 | September 1 to November 30, 2026 |
To qualify, the minimum purchase amount must be P3,000 for PHP transactions or USD200 for USD transactions.
Eligibility
BDO determines eligibility at the time of the Purchase Convert application. Qualified cardholders will be notified via Viber, SMS, or email from “BDO Deals” regarding the applicable rate and Promo ID.
| PHP Promotion | USD Promotion |
|---|---|
| Select Principal BDO Credit Cardholders of Mastercard, Visa, UnionPay, Diners Club, JCB, and American Express® | Select Principal Dual Currency BDO Credit Cardholders of Mastercard, Visa, UnionPay, Diners Club, and American Express® International Dollar Cards |
Fees and Charges
There are specific fees associated with the conversion and management of your installment plan:
| Applicable Fees | Description | Amount |
|---|---|---|
| Installment Availment Fee | Charged for every approved Purchase Convert transaction | P100 for PHP transactions up to P20,000; P200 for PHP transactions above P20,000; USD5 for USD transactions |
| Installment Processing Fee | Applies only to installment acceleration requests | 5% of the total remaining balance or P500 for PHP transactions, USD10 for USD transactions, whichever is higher |
You can use the Quick access to Purchase Convert Low Rate Calculator to estimate your payments.