Credit Card Promos


Get CASH now and pay LATER at 0.99%!
Promo Period: January 1 – February 28, 2019
Qualified Cards:

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

  • American Express Cards issued by BDO

Get CASH of at least P10,000 from your BDO Credit Card and enjoy as low as 0.99% monthly add-on rate for 12 months installment term.  Plus, billing starts 1 month later when you apply online!


Promo Mechanics:

  1. The BDO Unibank Inc. (BDO) Cash Now, Pay Later1 Promo (“Promo”) is open to Principal Credit Cardholders of Mastercard, Visa, UnionPay, JCB, Diners Club, 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. Excluded from this Promo are Distribution Cards, Purchasing Cards, Corporate Cards, Simple Cards, Tie-Up Cards, Installment Cards and International Dollar Cards.

  2. The Promo will run from January 1 – February 28, 2019 (“Promo Period”).

  3. To qualify for the Promo, the Principal Credit Cardholder must:

    1. Apply and accomplish online application form for EasyPay Cash ("EPCash") via  Application will be subject to a bank representative's callout prior to processing.

    2. Apply for EPCash of at least P10,000 on 3, 6, 12, 18 or 24 months term during the Promo Period and subsequently get approved.

  4. The Promo shall apply to all EPCash transactions made by the Cardholder during the Promo Period, subject to the Cardholder's available credit limit. The EPCash amount with interest shall be within and will be deducted from the available credit limit.

  5. The rates below shall apply:

    Term Factor Rate Add-On Rate Per Month Effective Rate Per Annum
    3 0.350838 1.75% 31.24%
    6 0.182670 1.60% 32.21%
    12 0.093234 0.99% 21.25%
    18 0.068559 1.30% 27.77%
    24 0.054670 1.30% 27.57%

    Sample Computation for a EasyPay Cash amount of P10,000 at 12-month term:
    EasyPay Cash amount x Factor Rate = Fixed Monthly Amortization
    P10,000 x 0.093234 = P932.34 per month for 12 months

  6. Monthly installment due on the Cash Now, Pay Later transaction together with monthly interest and penalty charge (if any) will be billed to the cardholder starting on the second (2nd) statement cycle after the original transaction date and every month thereafter until the total amount payable is paid in full.

  7. All transactions filed in the online link are still subject to the Bank's approval and once approved shall be subject to the Terms and Conditions (“T&C”) of the EPCash Program and the T&C governing the issuance and use of the BDO Credit Cards.

  8. In cases wherein the Cardholder's available credit limit are not able to cover the requested EPCash request amounts, BDO has the sole discretion to approve only a portion of the amount applied for. In case of rejection of the application BDO is under no obligation to notify the Cardholder of the said rejection and of the reason thereof.

  9. 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 EPCash 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 Php 300, whichever is higher, will be charged to the cardholder’s account.  After BDO has approved the Cardholder’s acceleration, the total accelerated amount 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.

    1With one (1) month billing holiday

Per DTI-FTEB Permit No. 13942, Series of 2018.


Click here for the Cash Now, Pay Later Promo Terms and Conditions