Credit Card Promos


Get up to 50% discount + EXTRA 5% or up to P5,000 OFF for a minimum purchase of P5,000 with your BDO Credit Card at the SM 3-Day Sale.

Plus, shop on installment at 0% interest and pay up to 3 months later.

Catch these offers on select weekends from June 4 to July 4, 2021 at participating SM Malls and SM Centers.

Maximum discount per transaction is P5,000.

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


Promo Period
Select weekends from June 4 to July 4, 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.
    Installment Card, Commercial Cards and Corporate Cards are excluded from the promo.

  2. Promo runs during the SM 3-Day Sale events scheduled from June 4 to July 4, 2021 at participating SM Retail stores located inside SM Malls and SM Centers nationwide.

  3. To avail of the additional 5% OFF, Cardholder must meet the minimum single-receipt (straight or installment) purchase requirement at any participating SM Retail store as shown in the table below. The minimum purchase requirement is defined as NET of all applicable discounts (i.e. Class Discounts, SMAC/Prestige Discounts and other SM discounts.)

    SM Retail Stores
    Minimum STRAIGHT or INSTALLMENT* purchase to get EXTRA 5% Discount
    The SM Store, Ace Hardware, Baby Company, Bata Shoes, Crocs, Ecco, Forever 21, Innisfree, Kultura, Levi's, Miniso, Pet Express, Sports Central, Surplus, The Body Shop, Toy Kingdom, Under Armour, UNIQLO and Watsons
    Crate & Barrel, Dyson and Our Home
    SM Appliance

    The EXTRA 5% discount is valid on in-store transactions across all SM Retail stores.
    For The SM Store, the EXTRA 5% OFF is also valid on Call to Deliver transactions (swiped/dipped on a POS/EFT terminal). The SM Store Call to Deliver transactions paid online are not qualified for the promo.

    *The minimum purchase amount to avail of the Installment Payment Plan is defined as net of all discounts and varies per SM Retail store.


  4. The extra 5% discount is automatically deducted upon reaching the minimum single-receipt purchase requirement.

  5. The maximum discount that a BDO Credit Cardholder can get under this Promo is P5,000 per qualified transaction.

  6. The additional 5% OFF is not applicable for purchases of Gift Cards/Gift Certificates/Gift Passes.

  7. Splitting of transactions for the purpose of getting multiple discounts is not allowed even if the Cardholder has more than one (1) qualified BDO Credit Card.

  8. For SM Appliance Center, the extra 5% OFF for BDO Credit Cards cannot be availed in conjunction with Prestige/SMAC/BDO Rewards Offer/s. The additional 5% OFF is applicable only to select regular-priced items. It is not applicable to consignor items, items categorized as packaged televisions, packaged home theaters, packaged camera, packaged portable audio, packaged cooking range, packaged air conditioners, computers, computer accessories and mobile phones.

  9. The extra 5% OFF can only be earned for qualified transactions using BDO Credit Card completely processed until 11:59 pm of each SM 3-Day Sale schedule.

  10. 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.

  11. The monthly installment due on the Buy Now Pay Later (BNPL) transactions, together with the monthly interest rate and penalty charge (if any), will be billed to the Cardholders starting on the third (3rd) statement cycle after the original transaction date and every month thereafter until the total payable is paid in full.

  12. Transactions covered by “BDO EXTRA 5% Discount at the SM 3-Day Sale” Promo is not convertible to cash, and cannot be used in conjunction with, and may no longer be used, in any other on-going BDO Credit Card Promos (e.g. Credit Card activation programs, points multiplier promos and other on-going cash back/rebate promos). This promo is subject to the Terms and Conditions Governing the Issuance and Use of BDO Credit Cards and American Express Cards issued by BDO.

  13. 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.

  14. 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.


Per DTI Fair Trade Permit No. FTEB-120221, Series of 2021.