Effective January 1, 2026, there will be changes to BDO Credit Cards’ Installment Fees:

Installment Availment Fee

• Cash Installment
  P350 for every approved Cash Installment transaction
  
  
• Balance Transfer
  P350 for every approved Balance Transfer transaction
  
  
• Balance Convert
  P350 for every approved Balance Convert Peso transaction
  US$10 for every approved Balance Convert Dollar transaction
  
  
• Purchase Convert
  P100 for every approved Purchase Convert Peso transaction for amounts up to P20,000, and P200 for amounts above P20,000
  US$5 for every approved Purchase Convert Dollar transaction
  

Installment Processing Fee

• Buy Now Pay Later, Cash Installment, Balance Transfer, Balance Convert and Purchase Convert
  5% of the total remaining balance or P500 for PHP-denominated transactions, USD10 for USD-denominated transactions, whichever is higher.
  

Frequently Asked Questions

What are the affected BDO Credit Cards Installment Products in the Fee Update?

• Cash Installment
• Balance Transfer
• Balance Convert
• Purchase Convert
• Buy Now Pay Later

What is Installment Availment Fee?
A one-time fee charged to BDO Credit Cardholders for every approved installment transaction availed under Cash Installment, Balance Transfer, Balance Convert, or Purchase Convert.

What is Installment Processing Fee?
A one-time fee charged to BDO Credit Cardholders who will request for the acceleration of their installment plans.  The fee applies to Cash Installment, Balance Transfer, Balance Convert, Purchase Convert, and Buy Now Pay Later transactions..

When will the new fees take effect?
The new fees will take effect on January 1, 2026