Credit Card Promos


Get 12% or up to P5,000 Christmas Shopping Rebate
at The SM Store and other participating SM Retail Stores
only with your BDO Mastercard® Credit Card!



Promo Period

December 8 to 12, 2021

Qualified Card

  • BDO World EliteTM Mastercard®

  • BDO Platinum MastercardTM

  • BDO Titanium MastercardTM

  • BDO Gold Mastercard

  • BDO ShopMore Mastercard

  • BDO Standard Mastercard

  • Bench Mastercard

  • Virtual Mastercard

How To Avail


Promo Mechanics

  1. The 12.12 Christmas Shopping Rebate (“Promo”) will run from December 8 to 12, 2021(“Promo Period”).

  2. The Promo is open to Cardholders of BDO Mastercard Credit Card (BDO World Elite, Platinum, Titanium, Gold, ShopMore, Standard, Bench, and Virtual)  (“Qualified Cards”) whose accounts are active and in good credit standing (i.e. no past due).

  3. To qualify, Cardholder must:

  1. Enroll to the promo until December 13, 2021 by submitting the 10-digit Promo ID that was sent through Viber/SMS* and/or eDM. (Submission of wrong Promo ID will not be processed).

  2. Principal and Supplementary Cardholders must enroll separately using their individual Promo ID.

  3. Use Qualified Card at participating SM Retail Stores and meet the spend criteria, as follows:

Participating SM Retail Stores Minimum Amount per Transaction Minimum Spend Requirement
The SM Store, SM Appliance, SM Hypermarket, SM Supermarket, Savemore Market, Ace Hardware, Baby Company, Bata Shoes, Crate & Barrel, Crocs, Dyson, Ecco, Forever 21, Innisfree, Kultura, Levi’s, Miniso, Our Home, Pet Express,  Sports Central/ Adidas Shop/ Nike Shop/ New Balance, Surplus, The Body Shop, Toy Kingdom, UnderArmour, Uniqlo, Watsons P3,000 Cumulative spend of P10,000 across all SM Retail Stores 
(via In-store, Online* and Call to Deliver*)

*where applicable


  1. Earning of Rebate:

  1. The maximum Rebate entitlement per Cardholder is P5,000 regardless if he/she has more than one Qualified Card. For Cardholders with more than one Qualified Card, Rebate will be awarded to the Card with the highest cumulative spend.

  2. A Principal Card is treated separately from the Supplementary Card. In computing for the total qualified Spend Amount, transactions of the Principal Card cannot be combined with the transactions of the Supplementary Card;

  3. Rebate earned by Supplementary Cardholder will be posted to the Principal Cardholder’s account;

  4. Qualified Cardholders will receive an SMS* on or before January 31, 2022, upon successful posting of Rebate earned and will appear on the succeeding Statement of Account (SOA).

  1. Cardholder understands that by participating in the Promo, purchases must not be used to redeem from other ongoing BDO promos such as but not limited to Shop Anywhere Cash Back. By choosing to redeem other offers before the Rebate awarding, BDO understands that Cardholder forfeits eligibility to earn the Rebate.
    *Cardholder must ensure that the mobile number registered with the bank is always updated and active. If no SMS is received, please call BDO Customer Contact Center at (02) 8631-8000.

General Terms & Conditions

  1. Cardholder must examine their SOA for any error/s related to the Promo (e.g. cash rebate computation, non- awarding of rebate). All questions and issues arising from the Promo will be accepted within sixty (60) calendar days from posting of Rebate, after which the Promo is considered conclusive.

  2. Rebate is non-transferable, non-refundable and non-convertible to cash. It is treated as a credit or payment on any outstanding balance on the Cardholders’ account.

  3. Double Redemption, Cancellation of qualified purchase and Fraudulent transaction/s.
    The Rebate cannot be redeemed in conjunction with other promotional offers of BDO. A Cardholder’s purchase that has been used to redeem the Rebate may no longer be used to avail of another BDO Promo such as but not limited to Shop Anywhere Cash Back. If found to have double/multiple redemptions, BDO reserves the right to chargeback the full cost of the Rebate to the corresponding account, at BDO’s discretion. Similarly, if the transaction is cancelled/ reversed or found to be invalid or fraudulent at a later date, BDO will chargeback the Rebate awarded to his/her Card or directly collect cost from Cardholder.

  4. Corporate Cards are not eligible to participate in this promotion.

  5. By participating in the promo, Cardholder agrees to maintain his/her BDO Credit Card account updated (without incurring past due/delinquency) within the Promo Period. Cardholder further acknowledges that should he/she fail to comply with any of the Terms and Conditions and Mechanics of the Promo, he/she will not be eligible to avail of the Rebate.  

  6. In case of dispute but not limited to the Cardholder's eligibility, coverage of dates and fulfillment, BDO's decision shall prevail. All questions or disputes regarding the Cardholder's eligibility for the Promotion or for any redemption shall be resolved by BDO with the concurrence of DTI.

  7. In case of any question about any of the provisions of this Promotion, the interpretation of BDO shall prevail, with the concurrence of DTI.

  8. Terms and conditions governing the issuance and use of BDO Credit Cards, reminders and other provisions contained in the card carrier, statement of account, charge slips, and other documents or instruments, which are  made an integral part hereof by reference, shall likewise be resorted to in instances where they are applicable to this Promo.



Per DTI Fair Trade Permit No. FTEB 133102, Series of 2021.