Credit Card Promos


Shop for gadgets, appliances, fashion, beauty products, tools and more! Pay on installment for up to 36 months term with your BDO Credit Card or BDO-issued American Express® Card.


Promo Period

March 25 to December 31, 2021


Qualified Cards

  • BDO Mastercard, Visa and JCB Credit Cards

  • BDO-issued American Express® Card



Promo Mechanics

  1. The Offer is open to all active Principal and Supplementary Credit Cardholders of BDO (Mastercard, Visa and JCB) and BDO-issued American Express Cards. Corporate Cards, Distribution Cards and Purchasing Cards are excluded from the offer.

  2. The Offer will run from March 25 to December 31, 2021 at Lazada.

  3. Qualified BDO Credit Cardholders may avail of Regular Installment for up to 36 months term. Monthly add-on interest rates below apply:

    Term Add-on Rate Effective Interest Rate Per Annum 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

Sample Computation:

  1. Amount to be charged:        P10,000

  2. Installment Term:                 12 months

  3. Factor Rate:                           0.093334686

  4. Monthly Amortization*:       Amount x Factor Rate
                                                     P10,000 x 0.093334686 = P933.35
                                                     P933.35 per month for 12 months

  5. Total Installment Price:        Monthly Amortization x Installment Term
                                                      P933.35 x 12


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

  1. All BDO installment transactions are subject to bank approval.

  2. The entire installment transaction amount and interest shall be deducted from the Cardholder's available credit limit.

  3. 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 in-store 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.

  4. In case of dispute in respect of but not limited to BDO Credit Cardholder's eligibility, coverage of dates, fulfillment, BDO's decision shall prevail. All questions or disputes regarding the Cardholder's eligibility for the Offer shall be resolved by BDO.