Terms and Conditions



  1. Qualified cardholders may avail of the Zero Percent (0%) interest for a minimum single purchase worth P3,000, subject to existing minimum Buy Now, Pay Later amount agreement with partner merchant.
  2. Zero Percent (0%) interest is applicable if the cardholder pays his/her monthly Buy Now, Pay Later in full.
  3. Partner merchant/s have sole discretion on the term/s and item/s applicable for the Zero Percent (0%) offering.
  4. For items not included in the 0% 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% 0.037777833

Click here for Buy Now, Pay Later Sample Computation.

  1. Availment of the Buy Now, Pay Later shall be subject to bank approval.
  2. The entire Buy Now, Pay Later transaction shall be deducted from the 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 Buy Now, Pay Later transactions, provided that the Cardholder's total outstanding balance due for the pertinent monthly billing cycle is paid in full. Further, a corresponding Buy Now, Pay Later 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 Buy Now, Pay Later Processing Fee shall form part of the total outstanding amount due for the pertinent monthly billing cycle and must be paid in full.