Credit Card Promos

 

Convert your purchases of at least Php3,000 or USD200 to installment for as low as 0.88% add-on rate per month!

 

Availment Channels
For PHP and USD Conversion
BDO Online Banking
Apply thru BDO Online Banking
Not yet Enrolled to BDO Online Banking? Enroll Now!
View BDO Online Banking Step-by-Step Guide
BDO Customer Contact Center
Call (02) 8631-8000

 

Promo Period
January 1 to April 30, 2021

 

Qualified Cards

Peso Conversion
Dollar Conversion
  • BDO Mastercard, Visa, JCB, UnionPay and Diners Club Credit Cards
  • American Express Cards issued by BDO
  • Dual Currency BDO Mastercard, Visa, UnionPay and Diners Club Credit Cards
  • Dual Currency American Express Cards issued by BDO
  • American Express Cards International Dollar Cards issued by BDO

 

 

Promo Mechanics

For Peso Application

  1. The BDO EasyPay Convert PHP Promotion (“Promo”) is open to all active Principal Credit Cardholders of MasterCard, Visa, UnionPay, Diners Club, JCB, and American Express® Credit Card issued by BDO. Excluded are International Dollar Cards, Tie-up Cards, Corporate Cards, Distribution Cards, Purchasing Cards, and Installment Cards.

  2. Promo runs until from January 1 to April 30, 2021.

  3. PHP transaction must meet the following conditions to qualify for the promo:

    1. PHP transactions must be charged to a BDO or American Express® Credit Card

    2. All PHP transactions must meet the minimum single-receipt purchase of P3,000 to enjoy the low rate offers as indicated in Provision 6.

    3. Availment must not be more than SIXTY (60) days from the transaction posting date. Processing time will take 5 banking days.

    4. Apply through BDO Online Banking via www.bdo.com.ph/easypay-convert to avail of the special low rate promo indicated in Provision 6.

  4. The following transactions/MCCs are disqualified from the Promo:

    1. Transactions associated with Gambling (7995 and 9754), money transfers or other similar cash transactions.

    2. Cash and other money transfer transactions (4821, 4829, 6010, 6011, 6012, 6050, 6051, 6211, 6532, 6533, 6536, 6537, 6538, 6540, and 7012) like Cash Advance, and any amortizing transaction

    3. Other BDO installment transactions like 0% interest, EasyPay Regular Installment, etc.

  5. The EasyPay Convert PHP principal amount plus interest should be within and will be deducted from the available credit limit.

  6. The promo monthly add-on interest rates below shall apply.

    BDO Online Banking
    Term
    Factor Rate
    Add-On Rate Per Month
    Effective Rate Per Annum
    3
    0.343338077
    1.00%
    17.92%
    6
    0.176667651
    1.00%
    20.29%
    12
    0.092137489
    0.88%
    18.96%
    18
    0.064360104
    0.88%
    19.16%
    24
    0.050466939
    0.88%
    19.12%

    Note: 9 and 36 month installment terms are not available for BDO Online Banking application.

    Sample Computation:
    Amount to be converted: P25,000
    Installment Term: 24 months
    Factor Rate: 0.050466939

    Formula: Amount x Factor Rate = Fixed Monthly Amortization*
    PHP 25,000 x 0.050466939= PHP 1,261.67 per month for 24 months 

     

    Customer Contact Center
    Term
    Factor Rate
    Add-On Rate Per Month
    Effective Rate Per Annum
    3
    0.343338077
    1.00%
    17.92%
    6
    0.176667651
    1.00%
    20.29%
    9
    0.121111407
    1.00%
    21.11%
    12
    0.093334686
    1.00%
    21.46%
    18
    0.065559120
    1.00%
    21.65%
    24
    0.051670980
    1.00%
    21.58%
    36
    0.037777833
    1.00%
    21.20%


    Sample Computation:
    Amount to be converted: P25,000
    Installment Term: 24 months 
    Factor Rate: 0.051670980

    Formula: Amount x Factor Rate = Fixed Monthly Amortization*
    PHP 25,000 x 0.051670980  = PHP 1,291.77 per month for 24 months

    *Above computation is presented as a guide to derive the monthly amortization.  Actual monthly amortization may vary slightly due to rounded values.

     

  7. There may be a slight difference between the actual monthly installment amortization billed and the computed monthly installment amortization presented in the sample computation. Amounts may differ due to the rounded values.

  8. Approved EasyPay Convert PHP applications can no longer be reversed/cancelled.

  9. All transactions are subject to the Bank's approval and once approved shall be subject to the Terms and Conditions (“T&C”) of the EasyPay Convert Program and the T&C governing the issuance and use of the BDO Credit Cards.

  10. 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 Convert PHP installment transactions, provided that the Cardholder's total outstanding balance due for 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.

 

For Dollar Application

  1. The BDO EasyPay Convert USD Promotion (“Promo”) is open to qualified Principal Dual Currency Credit Cardholders of MasterCard, Visa, UnionPay, Diners Club, American Express® Credit Card issued by BDO (“Cardholder”), whose accounts are active and current at the time of the application. Excluded are Corporate Cards, Distribution Cards, Purchasing Cards and Installment Card.

  2. Promo runs until January 1 to April 30, 2021.

  3. USD transaction must meet the following conditions to qualify for the promo.

    1. USD transactions must be charged to your BDO Dual Currency Credit Card or American Express® International Dollar Cards.

    2. All USD transactions must meet the minimum single-receipt purchase of USD200 to enjoy the low rate offer indicated in provision 6.

    3. Availment must not be more than SIXTY (60) days from the transaction posting date.  Processing time will take 5 banking days.

    4. Apply through BDO Online Banking via www.bdo.com.ph/easypay-convert to avail of the special low rate promo indicated in Provision 6.

  4. The following transactions/MCCs are disqualified from the Promo:

    1. Transactions associated with Gambling (7995 and 9754), money transfers or other similar cash transactions.

    2. Cash and other money transfer transactions (4821, 4829, 6010, 6011, 6012, 6050, 6051, 6211, 6532, 6533, 6536, 6537, 6538, 6540, and 7012) like Cash Advance, and any amortizing transaction

    3. Other BDO installment transactions like 0% interest, EasyPay Regular Installment, etc.

  5. The EasyPay Convert USD principal amount with interest should be within and will be deducted from the available credit limit.

  6. The promo monthly add-on interest rates below shall apply.

    BDO Online Banking  
    Term
    Factor Rate
    Add-On Rate Per Month
    Effective Rate Per Annum
    3
    0.343338077
    1.00%
    17.92%
    6
    0.176667651
    1.00%
    20.29%
    12
    0.092137489
    0.88%
    18.96%
    18
    0.064360104
    0.88%
    19.16%
    24
    0.050466939
    0.88%
    19.12%

    Note: 9 and 36 month installment terms are not available for BDO Online Banking application.

    Sample Computation:
    Amount to be converted: $800
    Installment Term: 24 months
    Factor Rate: 0.050466939

    Formula: Amount x Factor Rate = Fixed Monthly Amortization*
    $800 x 0.050466939  = $40.37 per month for 24 months

    Customer Contact Center
    Term
    Factor Rate
    Add-On Rate Per Month
    Effective Rate Per Annum
    3
    0.343338077
    1.00%
    17.92%
    6
    0.176667651
    1.00%
    20.29%
    9
    0.121111407
    1.00%
    21.11%
    12
    0.093334686
    1.00%
    21.46%
    18
    0.065559120
    1.00%
    21.65%
    24
    0.051670980
    1.00%
    21.58%
    36
    0.037777833
    1.00%
    21.20%


    Sample Computation: 
    Amount to be converted: $800
    Installment Term: 24 months
    Factor Rate: 0.051670980

    Formula: Amount x Factor Rate = Fixed Monthly Amortization*
    $800 x 0.051670980= $41.33 per month for 24 months

    *Above computation is presented as a guide to derive the monthly amortization.  Actual monthly amortization may vary slightly due to rounded values.

  7. There may be a slight difference between the actual monthly installment amortization billed and the computed monthly installment amortization presented in the sample computation. Amounts may differ due to the rounded values.

  8. Approved EasyPay Convert USD applications can no longer be reversed/cancelled.

  9. All transactions are subject to the Bank's approval and once approved shall be subject to the Terms and Conditions (“T&C”) of the EasyPay Convert Program and the T&C governing the issuance and use of the BDO Credit Cards.

  10. 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 Convert USD installment transactions, provided that the Cardholder's total outstanding balance due for the pertinent monthly billing cycle is paid in full. Further, a corresponding Installment Processing Fee of 5% of the total remaining balance or USD10, 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.

 

Click here for the EasyPay Convert Peso and Dollar Terms and Conditions

 

Per DTI Fair Trade Permit No. FTEB 111344, Series of 2020.