BUY NOW PAY NEXT YEAR

Qualified BDO Credit Cardholders may avail of BUY NOW PAY NEXT YEAR (BNPNY) options:

0% interest up to 24 months
Regular installment with 1% monthly add-on rate up to 36 months
Pay 4 months later

Promo Period
September 9 to December 31, 2026

Qualified Cards
BDO Mastercard, Visa, American Express, JCB, UnionPay and Diners Club Credit Cardholders

Promo Mechanics

The Program is open to all active Principal and Supplementary Credit Cardholders of BDO (Mastercard, Visa, JCB, American Express, Diners Club and UnionPay). Corporate, Commercial, and Proprietary Cards are excluded from the Program.
The Program will run from September 9 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 NEXT YEAR (BNPNY) options:
- 0% interest up to 24 months
- Regular installment with 1% monthly add-on rate up to 36 months
- Pay 4 months later
The BUY NOW PAY NEXT YEAR Promo is effective September 9 to December 31, 2026. The monthly installment due on BNPNY transactions, together with the monthly interest and penalty charge (if any), will be billed to the Cardholder starting on the fourth (4th) statement cut-off from transaction date and every month thereafter until the total amount payable is paid in full.

Sample BNPNY schedule for transactions from September 9 to December 31, 2026:
Participating merchants shall have sole discretion in determining the applicable term(s), item(s), service(s), and channel(s) for the BNPNY offering. Participation may vary by merchant, store, or branch, and the decision as to whether a particular store or branch will honor the Program shall be at the participating merchant's sole discretion. Certain merchants, stores, or branches may be excluded from the promotion.
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.

BUY NOW PAY LATER Terms & Conditions

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.
For items not included in the 0% offer, monthly add-on rates below will apply
Note: Above computation is presented as a guide to derive the monthly amortization. Actual monthly amortization may vary slightly due to rounded values.
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.
Availment of the BUY NOW PAY LATER shall be subject to bank approval.
The entire BUY NOW PAY LATER transaction shall be deducted from the 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.