Credit Card Promos

 

Get CASH NOW and pay up to 36 months with your BDO Credit Card! 
Enjoy as low as 0.59% monthly add-on rate and get billed one month later!

Tenor
Monthly
Add-on Rate
Effective Rate Factor Rate
3 0.99% 17.74% 0.343237098
6 0.99% 20.09% 0.176567737
9 0.99% 20.91% 0.121014550
12 0.59% 12.83% 0.089237537
18 0.59% 13.02% 0.061456925
24 0.59% 13.06% 0.047570010
36 0.59% 12.97% 0.033679504

 

Promo Period 
September 1, 2021 to December 31, 2021


Qualified Cards

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

  • Select BDO-issued American Express Cards

 

 

 

 

Sample Cash-It-Easy Amortization Computation

Tenor Factor Rate Sample Cash-It-Easy Amount
Php50,000 Php100,000 Php200,000
3 0.343237098 P17,161.85 P34,323.71 P68,647.42
6 0.176567737 P8,828.39 P17,656.77 P35,313.55
9 0.121014550 P6,050.73 P12,101.46 P24,202.91
12 0.089237537 P4,461.88 P8,923.75 P17,847.51
18 0.061456925 P3,072.85 P6,145.69 P12,291.38
24 0.047570010 P2,378.50 P4,757.00 P9,514.00
36 0.033679504 P1,683.98 P3,367.95 P6,735.90

Computation

Cash-It-Easy Amount:       P100,000.00
Term:                                    36 months
Factor Rate:                        0.033679504

 

Cash-It-Easy Amount x Factor Rate = Monthly Amortization
P100,000.00 x 0.033679504 = P3,367.95

 

Above computations are for illustration purposes only. These do not constitute an approval nor an offer by BDO. Click here to access the amortization calculator.

 

 

Promo Mechanics

  1. The Cash-It-Easy Low Rate Promo (“Promo”) is open to qualified active and current Principal Credit Cardholders of BDO (Mastercard, Visa, UnionPay, JCB and Diners Club) and BDO-issued American Express Credit Cards (“Cardholder/s”) who receive the promo SMS/electronic direct mail from BDO within the Promo Period. Corporate Cards, Distribution Cards, Purchasing Cards and Installment Cards are excluded from this Promo.

  2. The Promo will run from September 1, 2021 to December 31, 2021 (“Promo Period”).

  3. To qualify, Cardholder must avail cash through any of the following channels, within the Promo Period:

Log in and avail via BDO Online Banking*
Click More Services > Credit Card Services > Select a Request > Cash-It-Easy, then key in the Promo ID sent to your registered mobile number and/or email address

Call the Cash-It-Easy Hotline 02 8667-1680
8:30am-4:30pm, from Mondays to Fridays, except holidays

Visit any BDO Branch** near you

*BDO Online Banking available tenors are 3, 6, 12, 18 and 24 months only. Approved availments via this channel will automatically be booked with the Cash Now, Pay Later (CNPL) bundle.
**Cardholder must submit a duly-accomplished Cash-It-Easy Application Form and a copy of 2 valid government-issued IDs.

  1. Cardholder must have an open and valid BDO Peso Checking or Savings Deposit Account where the Cash-It-Easy proceeds may be credited. Cash proceeds will be posted in at least 3 banking days from the posting date of the Cash-It-Easy transaction in the BDO Credit Card account.

  2. The minimum Cash-It-Easy amount is P10,000 per transaction.

  3. Cardholders may perform multiple Cash-It-Easy transactions within the Promo Period, subject to the approved and available credit limit of the Cardholder's BDO Credit Card. The principal amount and interest must be within the Cardholder’s available credit limit. If the Cardholder has no sufficient credit limit, BDO has the sole discretion to approve only a portion of the amount applied for, without prior notification to the Cardholder.

  4. Monthly installments due on Cash-It-Easy transactions are comprised of monthly principal and interest components, which are computed based on diminishing balance and may not be equal from month to month. 

  5. An optional Cash Now, Pay Later bundle is available to qualified Cash-It-Easy transactions under the Promo. Cardholder should indicate in his/her Cash-It-Easy application whether he/she wishes to avail of the Cash Now, Pay Later bundle. Monthly installments due on such transactions will be billed to the Cardholder starting on the second statement cycle after the Cash-It-Easy posting date and every month thereafter until the total amount payable is paid in full.

  6. If the Cardholder does not choose to avail of the Cash Now, Pay Later bundle, the first amortization of the Cash-It-Easy will be billed on the first credit card statement cycle from the Cash-It-Easy posting date.

  7. The following Cash-It-Easy Rates shall apply:

    Tenor
    Monthly
    Add-on Rate
    Effective Rate Factor Rate
    3 0.99% 17.74% 0.343237098
    6 0.99% 20.09% 0.176567737
    9 0.99% 20.91% 0.121014550
    12 0.59% 12.83% 0.089237537
    18 0.59% 13.02% 0.061456925
    24 0.59% 13.06% 0.047570010
    36 0.59% 12.97% 0.033679504






















     
  8. The following Regular Rates will apply for Cardholders and Cash-It-Easy transactions not qualified under the Promo:

    Tenor
    Monthly
    Add-on Rate
    Effective Rate Factor Rate
    3 1.00% 17.92% 0.343338077
    6 1.00% 20.29% 0.176667651
    9 1.00% 21.11% 0.121111407
    12 1.00% 21.46% 0.093334686
    18 1.00% 21.65% 0.065559120
    24 1.00% 21.58% 0.051670980
    36 1.00% 21.20% 0.037777833






















     
  9. An Installment Availment Fee of P200 will be charged for every approved Cash-It-Easy transaction. The Installment Availment Fee is non-refundable and will be due even if Cardholder decides to pay the entire remaining balance before the end of the payment term.

  10. Should the Cardholder request for the acceleration of the charging of the full amount of the remaining unbilled monthly amortization/s, an Installment Processing Fee of 5% of the remaining balance or P300.00, whichever is higher, will be charged to the Cardholder's account. The total accelerated amount and the corresponding fee shall form part of the outstanding amount due for the pertinent monthly billing cycle and must be paid in full.

  11. All Cash-It-Easy applications submitted are subject to the final approval of BDO. The Terms and Conditions Governing the Issuance and Use of BDO Credit Cards, the Cash-It-Easy Terms and Conditions and the prevailing fees and charges shall apply.

  12. Promo is not valid in conjunction with other promotions, unless otherwise stated.

  13. The decisions of BDO, in concurrence with DTI, on all matters relating to the Promo shall be final and binding on all Cardholders.

 

 

Per DTI Fair Trade Permit No. FTEB 125367, Series of 2021