Credit Card Promos

 

Shop on installment at 0% interest for up to 12 months term at The SM Store and pay up to 3 months later using your BDO Credit Card.


Promo Period
March 24 to September 8, 2021


Qualified Cards

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

  • BDO-issued American Express Cards

Corporate Cards, Distribution Cards and Purchasing Cards are excluded from the promo.



Promo Mechanics:

  1. The promo is open to the following Cardholders of BDO:

  • Credit Cardholders (Mastercard, Visa, JCB, UnionPay, Diners Club Credit Cards and American Express Cards issued by BDO)

Corporate Cards, Distribution Cards and Purchasing Cards are excluded from the promo.

  1. Promo runs from March 24 to September 8, 2021 in all The SM Store branches nationwide, Call to Deliver and ShopSM.

  2. A qualified BDO Credit Cardholder may avail of the following 0% interest on installment offers:

    MINIMUM PURCHASE REQUIREMENT

    TERM

    AVAILMENT CHANNELS

    P5,000 on all items

    3 months  

    The SM Store branches
    Call to Deliver paid thru a BDO point-of-sale terminal
    or via iPay88 payment link
     ShopSM

    P8,000 on all items

    Up to 6 months

    The SM Store branches
    Call to Deliver paid thru a BDO point-of-sale terminal

    P12,000 on select items

    Up to 12 months

    The SM Store branches
    Call to Deliver paid thru a BDO point-of-sale terminal

    Call to Deliver transactions paid online via iPay88 are eligible for 3 months installment term from January 1 to September 8, 2021. Call to Deliver transactions paid thru a BDO point-of-sale terminal, on the other hand, are eligible for up to 12 months installment term from March 24 to September 8, 2021.

  3. The minimum purchase requirement to avail of the installment offer is defined as net of all applicable discount/s.

  4.  The SM Store has the sole discretion on the minimum purchase requirement, term/s and item/s applicable for 0% interest on installment offering.

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

    TERM

    ADD-ON RATE

    FACTOR RATE

    3

    1.00%

    0.343338077

    6

    1.00%

    0.176667651

    9

    1.00%

    0.121111407

    12

    1.00%

    0.093334686

    18

    1.00%

    0.065559120

    24

    1.00%

    0.051670980

    36

    1.00%

    0.037777833

  6. 0% interest is applicable if the Cardholder pays his/her monthly installment in full.

  7. Availment of the EasyPay Installment shall be subject to bank approval.

  8. The entire installment transaction amount shall be deducted from the Cardholder’s available credit limit.

  9. The Buy Now Pay Later offer is available until September 8, 2021. The monthly installment due on Buy Now Pay Later (BNPL) transactions, together with the monthly interest and penalty charge (if any), will be billed to the Cardholder starting on the third (3rd) statement cycle after the original transaction date and every month thereafter until the total amount payable is paid in full.

  10. BDO may, at its sole and absolute opinion, accommodate a Cardholder’s request to accelerate the charging of full amount of the remaining unbilled monthly amortization/s on the 0% Interest 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.

  11. In case of dispute in respect of but not limited to the Cardholder’s eligibility, coverage of 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.

  12. All BDO Card transactions are subject to bank approval.

  13. Click here for the Buy Now Pay Later Promo Mechanics.

 


DTI Fair Trade Permit Nos. FTEB 110687, Series of 2020 & 120161, Series of 2021.