1. The promo is open to BDO JCB Platinum Credit Cardholders whose accounts are active, current, and in good credit standing. Cardholders in good credit standing are those with BDO JCB Platinum Credit Cards which are not reported lost or stolen, whose accounts are not delinquent, not under investigation due to suspected fraud, and those who have not violated any of the Terms and Conditions governing the Issuance and Use of BDO JCB Credit Cards.
2. Promo runs from September 1 to November 30, 2026. 
3. To earn the 10% or JPY 5,000 cashback, the Cardholder must use his/her qualified BDO JCB Platinum Credit Card and meet the following criteria: 
   • Purchases must be made in the participating merchants 
   • Valid only for select in-person purchases 
   • The minimum cumulative spend requirement is JPY 50,000 
   • No minimum amount is required per transaction 
   • Purchases must be made and posted within the promotion period  
     
     Exclusions:
   • Online, transit (airline, cruise, train, etc.), and in-app purchases are excluded. 
   • Online transactions with merchants registered/doing business in Japan. 
   • Installment transactions via balance transfer, balance conversion, convert to installment, purchase/retail conversion, and similar on-us installment program/s of the issuing bank. 
   • Transactions from betting/casino/gambling, money transfers 
   • International Cash Advance transaction/s via ATM or over-the-counter 
   • International Cash Advance transaction/s via ATM or over-the-counter  
4. The Cardholder can earn a maximum of JPY 5,000 cashback for the entire promo duration.
5. All qualified and posted transactions of the Principal Cardholder and their Supplementary Cardholder(s) will earn cashback and be computed separately. The Principal Cardholder's transactions cannot be combined with the transactions of the Supplementary Cardholders to meet the total spend requirement. The Cardholder is responsible for monitoring their qualified spending. 
6. The total cashback earned by the Principal and Supplementary Cardholders shall be credited to Principal Cardholder’s account within twenty five (25) business days after the promotion period. This will be shown on the Cardholders’ Statement of Account (SOA). 
7. BDO JCB Platinum Credit Card must be active and updated (without incurring past due/delinquency) within the promo period and at the time of crediting of the cashback, otherwise, the cashback earned shall be forfeited. 
8. Cashback awarded are non-transferable and non-convertible to cash, however, it is treated as a credit or payment for purchases or any outstanding balance on the card. 
9. The cashback cannot be redeemed in conjunction with other promotional offers of BDO. Transactions that were already used for other BDO promotions can no longer be used to avail of the Promo and vice versa. If found to have multiple availments, BDO shall have the right to reverse or adjust the cashback credited to the Cardholder’s Qualified Card, at BDO's discretion. 
10. The exchange rate for the original transaction and the cashback exchange rate may be different. 
11. The transaction amount covered by the campaign is calculated based on the date of use. However, transactions that take time to process sales or transactions for which sales information does not arrive within a certain period may not be counted. 
12. BDO reserves the right to reverse or adjust the cashback posted if the qualifying transactions were disputed or cancelled on a later date, or if the transaction is found to be invalid or fraudulent, or a reversal of entry is made on any of the qualified transactions, or if there is erroneous posting of the cashback, or if the transaction was used to register or redeem from another ongoing promo. 
13. 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 disputes, JCB and BDO’s decision shall prevail with the concurrence of DTI. All questions or disputes must be raised by the Cardholder within sixty (60) calendar days from the posting of the cashback by BDO. 
14. The promo is subject to the Terms and Conditions Governing the Issuance and Use of BDO Credit Cards. 
15. Any amendment in the terms and conditions is subject to DTI approval. 
    

Per DTI Fair Trade Permit No. FTEB-265548, Series of 2026.