Credit Card Promos

 

Enjoy up to 50% discount on great finds at The SM Store and other SM Retail stores with your BDO Credit Card.
 

Plus, shop now and pay later. Pay the 1st installment next year!

 

Catch these offers at the SM 3-Day Sale on select weekends from July 28 to November 21, 2021 in participating SM Malls.


Participating malls are subject to change, depending on IATF & LGU restriction updates.

 

Participating SM Retail stores vary per featured SM Mall or SM Center.

 

Promo Period
Select weekends from July 28 to November 21, 2021

 

Qualified Cards

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

  • BDO-issued American Express Cards

 

 

Promo Mechanics

  1. The Promo is open to all active principal and supplementary BDO Credit Cardholders of Mastercard, Visa, JCB, UnionPay, Diners Club Credit Cards and American Express Cards issued by BDO.
    Commercial Cards (Purchasing Cards and Distribution Cards) are excluded from the promo.

  2. Promo runs during the SM 3-Day Sale events scheduled from July 28 to November 21, 2021 at participating SM Retail stores located inside SM Malls and SM Centers nationwide.

  3. Qualified BDO Credit Cardholders can enjoy the following offers:

    • Up to 50% discount at The SM Store and other SM Retail stores

    • Pay on installment for up to 3 months term
      Minimum purchase requirement varies per SM Retail store.

    • Buy Now and pay up to:

      • 3 months later for installment transactions on SM 3-Day Sale weekends from July 28 to September 8, 2021

      • 4 months later for installment transactions on SM 3-Day Sale weekends from September 9 to November 21, 2021

  4. To avail of the offers, a qualified BDO Credit Cardholder must charge the total amount to his/her qualified BDO Credit Card during the promo period through a BDO point-of-sale terminal.

  5. A BDO Credit Cardholder can avail of the installment plan. Minimum purchase requirement varies per SM Retail store. The minimum purchase requirement to avail of the installment plan is defined as net of all discounts. SM Retail stores have the sole discretion on the on the minimum purchase requirement, term/s and items applicable for the installment offering.
    Commercial Cards and Corporate Cards are not eligible to avail of the 0% Installment Plan.

  6. For items not included in the 0% installment 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% 0.03777783
  1. 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.

  2. The Buy Now Pay Later (BNPL) Installment Program is effective on the following dates:
     

    Transaction Date Start of 1st Billing
    SM 3-Day Sale weekends from July 28 to September 8, 2021 Starting on the 3rd billing cycle
    SM 3-Day Sale weekends from September 9 to November 21, 2021 Starting on the 4th billing cycle


    The monthly installment due on the BNPL transactions, together with the monthly interest rate and penalty charge (if any), will be billed to the Cardholder based on the above schedule and every month thereafter until the total payable is paid in full.
     

  3. The offers cannot be exchanged for other items or discounts and cannot be used in conjunction with other promotional offers and partner's VIP/Membership privileges, 3-Day Sale offers, D-Day Sale, etc.

  4. All transactions are subject to bank approval.

  5. In the purchase of goods and services which are on promotional discount, the Senior Citizen and Person with Disability can avail of the promotional discount provided under the Expanded Senior Citizens Act of 2010 or Magna Carta for Persons with Disability, whichever is higher.

  6. 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.

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

 


Per DTI Fair Trade Permit No. FTEB-125190, Series of 2021