Credit Card Promos

 

Easy Payment Plan at The SM Store
Promo Period: October 1 to December 31, 2020
Qualified Cards:

  • BDO Mastercard, Visa, JCB, UnionPay and Diners Club Credit Cards

  • BDO-issued American Express Cards

Offer:
Shop easy this holiday season with Easy Payment Plan at The SM Store!

Shop at 0% interest for up to 6 months installment term for a minimum purchase of P5,000 using your BDO Credit Card. Billing starts 3 months later.

This offer is available in all branches of The SM Store nationwide and via The SM Store Call to Deliver by calling #143SM (#14376).

 

Promo Mechanic:

  1. This offer is open to all active Principal and Supplementary Credit Cardholders of BDO Mastercard, Visa, JCB, Diners Club, UnionPay and BDO-issued American Express Cards. Purchasing Card, Distribution Card and Corporate Cards are excluded from the promo.

  2. This offer is valid from October 1 to December 31, 2020 in all branches of The SM Store nationwide and via The SM Store Call to Deliver.

  3. Qualified Cardholders may avail of the following Installment offers:

    • 0% interest for up to 6 months term for a minimum purchase of P5,000

    • Buy Now, Pay Next Year (BNPNY) with 3 months billing holiday*
      *Not applicable to The SM Store Call to Deliver transactions paid online.

  1. 0% interest is applicable if the Cardholder pays his/her monthly installment in full.

  2. The SM Store has the sole discretion on the term/s and item/s applicable for 0% offering.

  3. For items not included in the 0% offer, the regular monthly add-on interest rates below apply.
     

    TERM FACTOR RATE ADD-ON RATE
    3 0.353338 2.00%
    6 0.184669 1.80%
    9 0.128814 1.77%
    12 0.100838 1.75%
    18 0.075561 2.00%
    24 0.063170 2.15%
    36 0.050281 2.25%

     

  4. The entire installment transaction shall be deducted from the available credit limit.

  5. Availment of the Installment offers shall be subject to bank approval.

  6. The monthly installment due on BNPNY transactions, together with the monthly interest and penalty charge (if any), will be billed to the Cardholder starting on the fourth (4th) statement cycle after the original transaction date and every month thereafter until the total amount payable is paid in full.

  7. BDO may, at its sole and absolute option, accommodate Cardholder's request to accelerate the charging of the full amount of the remaining unbilled monthly amortization/s on the EasyPay in-store installment transactions, provided that the Cardholder's total outstanding balance due to the pertinent monthly billing cycle is paid in full. Further, a corresponding Installment Processing Fee of 5% of the total remaining balance or P300, whichever is higher, will be charged to the Cardholder's account. After BDO has approved the Cardholder's acceleration, the total accelerated amount due and the corresponding Installment Processing Fee shall form part of the total outstanding amount due for the pertinent monthly billing cycle and must be paid in full.

  8. In case of dispute in respect of but not limited to the Cardholder's ineligibility, coverage dates, fulfillment, etc., BDO's decision shall prevail. All questions or disputes regarding the Cardholder's eligibility for the promo shall be resolved by BDO with the concurrence of DTI.

 

Per DTI Fair Trade Permit No. FTEB-104698, Series of 2020.