Balance Transfer

Avail Balance Transfer and enjoy low monthly add-on rate of 0.79%
for 12 to 36-month installment terms with your BDO Credit Card!

Plus, get billed one month later!

Enroll and apply now!

Availment Channels How To Apply
BDO Branch

Visit your nearest BDO branch and apply!


Click here to know the BDO branch near you

BDO Online Banking

Apply thru BDO Online Banking


Not yet Enrolled to BDO Online Banking? Enroll Now!


View BDO Online Banking
Step-by-Step Guide


Choose the convenient term for you:

For a minimum Balance Transfer amount of P10,000
(via BDO Branches or BDO Online Banking):

Factor Rate
Add-On Rate Per Month
Effective Rate Per Annum
0.99% 17.74%


0.99% 20.09%
9* 0.121014550 0.99% 20.91%
0.091237975 0.79% 17.07%
0.063458332 0.79% 17.27%
0.79% 17.26%
36* 0.035682596 0.79% 17.06%

*9 and 36 month installment terms are not available for BDO Online Banking application.

  • Sample Computation for a Balance Transfer amount of P20,000 for 24 months

    Balance Transfer Amount  x Factor Rate = Monthly Amortization*
    P20,000 x 0.049567284 = P991.35 per month for 24 months

  • To compute for the monthly amortization of your desired installment amount and term, click here to access the calculator.

    *Above computation is presented as a guide to derive the monthly amortization. Actual monthly amortization may vary slightly due to rounded values.

Applicable Fees
Installment Availment Fee P250 This will be charged for every approved Balance Transfer application.
Installment Processing Fee 5% of the total remaining balance or P300, whichever is higher This will be charged after BDO has approved Cardholder’s acceleration request.
  • An Installment Availment Fee of P250 will be charged for every approved Balance Transfer application. The Installment Availment Fee is non-refundable and will be due/payable even if Cardholder decides to pay the entire remaining balance before the end of the payment term.

  • Monthly installment due on Balance Transfer applications with 1 month billing holiday together with monthly interest and penalty charge (if any) will be billed to the cardholder starting on the second statement cycle afer the original transaction date and every month thereafer untl the total amount payable is paid in full.

  • Total principal amount with interest should be within the cardholder’s available credit limit.

  • Please ensure that the BDO Credit Card (including card replacement/renewal) used for your application is ACTIVE and enrolled in BDO Online Banking.

  • For BDO Online Banking application, accomplish form and upload only one (1) valid ID for verification. Instead of uploading Credit Card Statement of Account, uploading one (1) valid ID for verification is necessary to ensure application processing.

  • Offer is valid until October 31, 2021. Per DTI Fair Trade Permit No. FTEB 118644, Series of 2021.

Promo Mechanics for 2021 Balance Transfer Promotion applications via Branch and BDO Online Banking

Terms and Conditions