Credit Card Promos

 

Avail EasyPay Balance Transfer and enjoy a low monthly add-on rate of 0.79% for a minimum amount of P20,000 for 12, 18 and 24-month installment terms with your BDO Credit Card!
 

Availment Channels How To Apply
BDO Branch

Visit your nearest BDO branch and apply!

Click here to know the BDO branch near you

BDO Online Banking*

Apply thru BDO Online Banking

Not yet Enrolled?

View BDO Online Banking Step-by-Step Guide

*For BDO Online Banking application, Credit Card Statement of Account attachment should not be password-protected to facilitate processing.

 

Applicable Fees
Installment Availment Fee P250 This will be charged for every approved EasyPay Balance Transfer application.
Installment Processing Fee 5% of the total remaining balance or P300, whichever is higher This will be charged after BDO has approved Cardholder’s acceleration request.

Effective January 1, 2021, an Installment Availment Fee of P250 will be charged for every approved EasyPay Balance Transfer application. The Installment Availment Fee is non-refundable and will be due/payable even if Cardholder decides to pay the entire remaining balance before the end of the payment term.

 

Promo Period
until April 30, 2021

 

Qualified Cards

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

  • BDO-issued American Express Cards

 

 

Promo Mechanics

  1. The BDO EasyPay Balance Transfer Promotion (“Promo”) is open to Principal Credit Cardholders of Mastercard, Visa, UnionPay1, Diners Club1, JCB, and American Express® Credit Card issued by BDO (“Cardholder”), who are not prohibited by applicable laws, regulations and policies from participating in and/or qualifying for this Promo, on his/her own Non-BDO Credit Card Balances.  Provided that the Non-BDO Credit Card Balances are issued by a major card issuer and/or bank in the Philippines and is/are at least six months old; active and current at the time of application. Excluded from this Promo are Distribution Cards, Purchasing Cards, Corporate Cards, Simple Cards, Tie-Up Cards, Installment Cards and International Dollar Cards.

  2.  Promo period is from April 1 to 30, 2021.

  3. Qualified cardholders may transfer his non-BDO Credit Card or personal/salary loan account balances to his BDO Credit Card for a minimum EasyPay Balance Transfer (“BT”) amount of P20,000 charged on 3, 6, 9, 12, 18, 24 or 36-month installment term.

    Term Factor Rate Add-On Rate Effective Yield
    3 0.343338077 1.00% 17.92%
    6 0.176168345 0.95% 19.29%
    9 0.121111407 1.00% 21.11%
    12 0.091237975 0.79% 17.07%
    18 0.063458332 0.79% 17.27%
    24 0.049567284 0.79% 17.26%
    36 0.037777833 1.00% 21.20%


    For EasyPay Balance Transfer amount of at least P5,000 to below P20,000 the following rates shall apply:

    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%


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

    Sample Computation for a EasyPay Balance Transfer amount of P20,000 at 24-month term:
    EasyPay Balance Transfer amount x Factor Rate = Monthly Amortization*
    P20,000 x 0.049567284 = P991.35 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.

    To compute for the monthly amortization of your desired installment amount and term, click here to access the calculator.

     

  4. The Principal Cardholder can apply for the Promo via BDO Branches and BDO Online Banking. Table below shows ways on how to avail and minimum requirements to apply.

    Application Channels Ways to Avail Requirements
    BDO Branches2 Visit any BDO branch and apply
    over-the-counter

    1. EasyPay Balance Transfer application form with Principal Cardholder's signature

    2. Latest 1 month Statement of Account4 (SOA) for non-BDO credit card4

    3. Copy of two (2) valid IDs of Principal Cardholder with signature

    BDO Online Banking3 Visit bdo.com.ph/balance-transfer and view BDO Online Banking Step-by-Step Guide on how to apply EasyPay Cash Out via BDO Online Banking Latest 1 month SOA3 for non-BDO credit card or latest 3 months SOA3 for non-BDO personal/salary loan & Certificate of Payoff amount

     

  5. The required minimum EasyPay BT amount may come from a maximum of two (2) non-BDO Credit Cards with at least Php5,000, charged on one (1) installment term. Non-BDO Credit Card must be issued by a major card issuer and/or bank in the Philippines; at least six (6) months old; active and current at the time of application.

  6. The EasyPay  Balance Transfer principal amount with interest will be deducted from and should be within the available credit limit.

  7. The Cardholder must continue to pay the minimum amount due on his non-BDO Credit Card or personal/salary loan account balance while the EasyPay Balance Transfer application is still in process.

  8. 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 Balance Transfer Program and the T&C governing the issuance and use of the BDO Credit Cards.

  9. If approved, BDO will issue a check or make a fund transfer directly to the non-BDO card issuer/bank.  The check or fund transfer amount will be equivalent to the approved EasyPay Balance Transfer amount.

  10. EasyPay Balance Transfer transactions applied thru BDO Branches and BDO Online Banking are subject to five (5) working days processing time.

  11. An Installment Availment Fee of P250 will be charged for every approved EasyPay Balance Transfer application. The Installment Availment Fee is non-refundable and will be due/payable even if Cardholder decides to pay the entire remaining balance before the end of the payment term.

  12. Approved EasyPay Balance Transfer applications can no longer be reversed/cancelled.

  13. Monthly installments due on the EasyPay Balance Transfer applications together with monthly interest and penalty charge, if any, shall be billed to the Cardholder and shall commence on the Cardholder’s next statement date and every month thereafter until the total amount payable is paid in full. 

  14. 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.

  15. 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 Balance Transfer 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.

1EasyPay Balance Transfer applications of UnionPay and Diners Club Credit Cards issued by BDO applied through BDO Branches will be processed within 5 banking days.
2EasyPay Balance Transfer applications can be processed in over 1,000 BDO branches nationwide.
3Amount requested for EasyPay Balance Transfer shall not exceed the total amount due in the submitted SOA.
4All other banks’ credit cards applied through BDO branches shall be processed while-you-wait except for Asia United Bank, BPI, Metrobank, Security Bank and Union Bank credit cards which will be processed within 5 banking days.


Click here for Program Mechanics
Click here for the Balance Transfer Terms and Conditions

 

Promo period is from April 1 - 30, 2021.
Per DTI Fair Trade Permit No. FTEB 111345, Series of 2020.