Get up to P3,000 Cashback at SM Store!

Buy Now Pay Next Year and get P500 Cashback with BDO Credit Cards The “Buy Now Pay Later Cashback at SM Store Promo” (“Promo”) is open to all active Principal and Supplementary Cardholders of BDO Mastercard, Visa, American Express, JCB, Diners Club, and UnionPay Credit Cards (“Eligible Cards”). Account status must be active and in good standing (i.e. no past due) within the Promo Period and at the time of Cashback posting. The following cards are NOT eligible to participate in the Promo: New cards issued from September to November 2026, BDO Installment Card, BDO Corporate Cards, BDO Commercial Cards, and BDO Debit Cards. The Promo will run from September 15, 2026 – November 14, 2026 (“Promo Period”). All transactions must be made within the Promo Period to avail of the Offer. Transactions made at participating branches during SM 3-Day Sale are not eligible for this Promo. Offer: Get as much as P3,000 Cashback per Eligible Card when you BUY NOW PAY NEXT YEAR at SM Store branches nationwide Eligible Cardholders will receive P500 Cashback for each qualifying Buy Now Pay Next Year* transaction with a minimum single-receipt purchase of P5,000. Get as much as P3,000 per Eligible Card for the entire promo period, regardless of any additional qualifying transactions made thereafter. Transactions must be paid in-store/over-the-counter using the SM Store’s POS terminal. This includes SM Store Personal Shopper transactions paid in-store/over-the-counter. *Eligible transactions include Buy Now Pay Later purchases with or without a payment holiday. Plus, enjoy bigger savings when you shop from November 13 to 15 ! SM Store Big Bonus Blowout Sale: Get 10% OFF for a minimum purchase of P3,000 at all SM Store branches, except General Santos. Visit http://smstore.com/BigBonusBlowout for more details. SM Store General Santos 3-Day Sale: Enjoy up to 50% OFF, plus an additional 10% OFF with SMAC or Prestige Cards. Visit https://smstore.com/promos-events/3-day-sale/ for more details. Earning of Cashback and Maximum Redemption Cardholders will receive the corresponding Cashback amount following the promo mechanics stated above; If with multiple Eligible Cards: Purchases must come from one Card only. Transactions from various Cards cannot be combined. Cashback will be awarded to the Eligible Card used for the qualifying single-receipt Buy Now Pay Later spend of P5,000 In computing for the total qualified spend amount, a Principal Card is treated separately from his/her Supplementary Card/s. The transactions of the Principal Card cannot be combined with the transactions of the Supplementary Card. Crediting of Cashback Cashback will be credited to the Principal Cardholder’s account or on before December 29, 2026 Cashback will be awarded in Philippine Peso except for Cardmembers of The Platinum Card ® by American Express and American Express ® Gold Card who will receive their cashback in USD using conversion rate: USD 1= P60. Cashback earned by the Supplementary Cardholder will be posted to the Principal Cardholder’s account. Cardholders will be notified via SMS upon successful posting of Cashback earned which will be reflected on the succeeding Statement of Account (SOA) with transaction description “SM BNPL CASHBACK” . Cardholder understands that by joining the Promo, transaction/s must not be used to redeem from other BDO Credit Card promos such as but not limited to SM 3-Day Sale, Credit Card Activation Programs, and other Cashback and merchant discount promos. By choosing to redeem other offers before the Cashback awarding, Cardholder understands that these transactions will no longer be qualified under this Promo. Cardholder must examine their SOA for any error/s related to the Promo (e.g. cashback computation, non awarding of cashback). For promo-related complaints, BDO will handle complaints within 7 to 10 banking days from receipt of complaint, provided with complete information, proof of purchase and other supporting documents. All questions a