BUY NOW PAY LATER at Department Stores

Shop More, Pay Easier with a low 0.85% monthly add-on rate The Provincial Supermarket and Department Store Regular Installment Program (Promo) is open to all active Principal and Supplementary Credit Cardholders of BDO (Mastercard, Visa, American Express, JCB, Diners Club, and UnionPay), collectively, "BDO Credit Cardholders". Corporate Cards, Distribution Cards and Purchasing Cards are excluded from the Promo. The Promo is available at select participating partner merchant stores and branches from June 15 to December 31, 2026. It is not applicable for online transactions. Start dates may vary depending on the partner merchant. Qualified BDO Credit Cardholders may avail of the following offer: Regular Installment with a low monthly add-on rate of 0.85%. Sample Computation ​Note: There may be a slight difference between the actual monthly installment amortization billed and the computed monthly installment amortization presented in the sample computation. Amounts may differ due to rounded values. ​ Partner Merchants have the sole discretion to determine the minimum required purchase, item(s), and/or service(s) applicable for the Regular Installment offering. The monthly installment due, together with the monthly interest and penalty charge (if any), will be billed to the Cardholder starting on the first (1st) statement cycle after the original transaction date and every month thereafter until the total amount payable is paid in full. To illustrate: All Regular Installment transactions are subject to bank approval. Each cardholder is entitled to avail the Regular Installment promo for as many transactions as they want, provided that this is within their allowable credit line. The entire Regular Installment transaction amount shall be deducted from the Cardholder’s available limit. Principal and Supplementary Credit Cardholders must transact separately. 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 Regular Installment 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 request, 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. 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. 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. The Promo is subject to the Terms and Conditions Governing the Issuance and Use of BDO Credit Cards. View details here for the BUY NOW PAY LATER Terms and Conditions. Per DTI Fair Trade, Permit No. FTEB-259487, Series of 2026.