Credit Card Promos


Transfer Now and Pay Later at 0.88%!

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


Transfer your other banks’ credit card balances of at least P20,000 to your BDO Credit Card for as low as 0.88% monthly add-on rate for 12 to 24 months installment terms and get billed 1 month later!


Promo Mechanics:

  1. The BDO Transfer Now, Pay Later1 Promo (“TNPL”) 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, on his/her own Non-BDO Credit Card Balances.  Provided that the non-BDO Credit Card Balances are issued by a major card issuer and/or bank in the Philippines and is/are at least six months old; active and current at the time of application. 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 Cardholder must:
  1. Apply for Balance Transfer ("BT") via BDO Online Banking (
    Select Customer Service > Choose Account > Select Balance Transfer as request
  2. Apply for BT of at least P20,000 charged on 3, 6, 12, 18, or 24 months term during the Promo Period and subsequently get approved.
  3. Accomplish online BT application form and attach latest 1 month Statement of Account (“SOA”)2 for non-BDO credit card.
  1. The required minimum BT amount may come from a maximum of two (2) Non-BDO Credit Card Balance/s. However, the BT amount per Non-BDO Credit Card Balance/s must be at least P5,000.00 and must be charged on one (1) installment term.   
  2. The rates below shall apply:

Regular / BAU Rates
Below 20K

Term Factor Rate Add-On Rate Per Month Effective Rate Per Annum
3 0.353338 2.00% 35.66%
6 0.184669 1.80% 36.14%
12 0.100837 1.75% 36.75%
18 0.075560 2.00% 41.51%
24 0.063170 2.15% 43.64%


TNPL Promo Rates
20K and above

Term Factor Rate Add-On Rate Effective Yield
3 0.346338 1.30% 23.26%
6 0.176168 0.95% 19.29%
12 0.092137 0.88% 18.96%
18 0.064360 0.88% 19.16%
24 0.050467 0.88% 19.12%


Sample Computation:
Amount to be converted: P20,000              
Installment Term: 12 months
Factor Rate: 0.092137


Balance Transfer amount x Factor Rate = Fixed Monthly Amortization
P20,000 x 0.092137 = P1,842.74 per month for 12 months     

  1. The BT principal amount with interest will be deducted from and should be within the available credit limit.
  2. The Cardholder must continue to pay the minimum amount due on his Non-BDO Credit Card Balance/s while application is still in process.
  3. All transactions are subject to the Bank's approval and once approved shall be subject to the Terms and Conditions (“T&C”) of the Balance Transfer Program and the T&C governing the issuance and use of the BDO Credit Cards.  BDO will issue a check equal to the approved BT amount and will deposit/pay it directly to the nearest payment center of the issuer of the Non-BDO Credit Card Balance/s or via funds transfer.
  4. All BT transactions are subject to seven (7) working days processing time.
  5. Approved BT applications can no longer be reversed/cancelled.
  6. Monthly installment due on the TNPL 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. 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 Balance Transfer installment transactions, provided that the Cardholder’s total outstanding balance due for the pertinent monthly billing cycle is paid in full.  Further, an 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 and the installment processing fee shall form part of the total outstanding amount due for the pertinent monthly billing cycle and must be paid in full.

    1 With one (1) month billing holiday
    2 Amount requested for BT shall not exceed the total amount due in the submitted SOA


Per DTI-FTEB Permit No. 19178, Series of 2018.


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