BUY NOW PAY LATER

0% interest on installment purchases in over 25,000 stores nationwide The Program is open to all active Principal and Supplementary Credit Cardholders of BDO (Mastercard, Visa, JCB, American Express, Diners Club and UnionPay). Corporate Cards, Distribution Cards and Purchasing Cards are excluded from the Program. The Program will run from January 1 to December 31, 2026 in all participating BDO-accredited partner stores, in-store and online*. *Card brand acceptance varies per participating stores. Qualified BDO Credit Cardholders may avail of BUY NOW PAY LATER (BNPL) options for a minimum single purchase worth P3,000, subject to existing minimum BUY NOW PAY LATER amount agreement with partner merchant. 0% interest up to 24 months Regular installment with a low 1% add-on rate per month for up to 36 months term The first monthly installment of a transaction under the BUY NOW PAY LATER Program will be billed to the Cardholder on the next cycle after the transaction date and payment thereof is due 25 days after the statement cut-off. Sample BUY NOW PAY LATER (BNPL) Payment Schedule: ​ Participating stores have the sole discretion on the term(s), item(s)/ and/or service(s) and channel(s) applicable for the Zero Percent (0%) interest offering. For Regular Installment, monthly add-on rates below will apply: Sample Computation: Note: Above computation is presented as a guide to derive the monthly amortization. Actual monthly amortization may vary slightly due to rounded values. All BDO BUY NOW PAY LATER transactions are subject to bank approval. The entire BUY NOW PAY LATER transaction amount shall be deducted from the Cardholder's available credit limit. 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 Installment Processing Fee of 5% of the total remaining balance or P500, 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. In case of dispute in respect of but not limited to BDO Credit Cardholder's eligibility, coverage of dates, fulfillment, BDO's decision shall prevail. All questions or disputes regarding the Cardholder's eligibility for the Promo shall be resolved by BDO in concurrence with DTI. This Promo is subject to the Terms and Conditions Governing the Issuance and Use of BDO Credit Cards. Per DTI Fair Trade, Permit No. FTEB-244037, Series of 2025. GADGETS ACER AEROPHONE AUDIONET AV SURFER BISEN DATABLITZ DIGIMAP DIGITAL VILLAGE DITO TELECOMMUNITY ELECTROWORLD GLOBE HUAWEI INFINIX INTERPACE COMPUTER INTOGADGETS JBL JISULIFE JS ENTERPRISE LENOVO MEMOEXPRESS MI OCTAGON COMPUTER OPPO PC EXPRESS PCWORX POWER MAC CENTER REALME SAMSUNG SILICON VALLEY SMART TECHBOX VIVO WORX APPLIANCES AND HOME ESSENTIALS ABENSON ACE HARDWARE AUTOMATIC CENTRE BLIMS CITIHARDWARE DIGITAL DREAMS DIY HARDWARE EMCOR EXATECH FAMILY APPLIANCE GINTELL HAFELE HANDYMAN HIRO ILAW AND ELECTRICAL DEPOT ILAW ATBP IMPERIAL APPLIANCE ITSU LA SEDIA MANDAUE FOAM OGAWA OUR HOME ROBINSONS APPLIANCES SAN-YANG FURNITURE SHOWCASE CARPET SM APPLIANCE CENTER UNION GALVASTEEL URATEX WILCON RETAIL SHOP @TOKYO 3J GOLDEN DRAGON INDUSTRIAL MACHINERY ADIDAS AIRWALK OUTLAND ALBERTO SHOES ALDO AMERICAN EAGLE ARROW ART BAR BENCH BEYOND THE VINES BIRKENSTOCK BRATPACK CALL IT SPRING CALVIN KLEIN CELINE CINDERELLA COALITION COLUMBIA CONVERSE COTTON ON CROCS DC SHOES ELITE SALES GROUP FACESHOP FILA FITFLOP FOR ME FOREVER 21 FOX G FORCE GEOX / OFFICINE GIORDANO GIRBAUD GOLDTOWN INDUSTRIAL SALES GOLF DEPOT GREAT IMAGE GRIND GRO