Qualified BDO Credit Cardholders can avail of the following exclusive BUY NOW PAY NEXT YEAR offers:

• Enjoy up to P20,000 worth of rewards on minimum spend at 0% interest on 12 and 24 month terms:
  

  

• Pay 4 months later  
• 0% interest up to 24 months term 
  

Promo Period
October 2 to 4, 2026

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

1. The promo is open to all active Principal and Supplementary Credit Cardholders of BDO (Mastercard, Visa, American Express, JCB, Diners Club and UnionPay). Excluded from the promo are Corporate, Commercial, and Proprietary Cards.
   
2. The promo will run from October 2 to 4, 2026 at Digital Walker, Beyond the Box, and open_source by Beyond the Box stores nationwide.
3. Qualified BDO Credit Cardholders may avail of the following BUY NOW PAY NEXT YEAR offers: 
   • Up to P20,000 worth of rewards on minimum spend at 0% interest on 12 and 24 month terms:
     

     

     
     
4. The following transactions are excluded from the Cashback promo:
   • Cash Installment and Balance Installment Programs such as Cash-It Easy, Balance Transfer, Purchase Convert and Balance Convert
   • Any transactions used to redeem from other ongoing BDO Credit Card promos 
   • BDO has the sole discretion in determining whether a transaction is classified under these exclusions 
     
5. To participate in the promo for Digital Walker, Beyond the Box, and open_Source by Beyond the Box, Cardholder must enroll within the promo period at www.bdo.com.ph/iphone18-cashback using the Promo ID sent by BDO Deals via Viber/SMS and/or e-mail. Principal and supplementary cardholders must enroll separately using their individual Promo IDs. Enrollment of a cardholder automatically enrolls all his/her qualified BDO Credit Card(s) under his/her Promo ID.
6. Cashback earned for this promo will be credited on or before November 25, 2026 with transaction description “Apple Launch 2026 BNPNY Cashback”. An SMS notification for the final cashback earned will be sent to the mobile number registered in BDO’s system. 
   • The maximum Cashback is P10,000 for every qualified BDO Credit Cardholder enrolled in the promo and will be posted in Philippine peso. Cardholder can only avail one (1) cashback with a minimum P100,000 single-receipt purchase (net of discount) per promo period. In the event of multiple qualified transactions, only the transaction with the highest cashback will be recognized. Cashback earned is calculated per customer.
   • All cashback earned by the principal cardholder shall be posted on the principal cardholder’s account where the transaction was made. All cashback earned by the supplementary cardholder shall be posted on the principal cardholder’s account where it is linked. 
   • For Cardholders enrolled in Dual Currency feature, transactions in US Dollar should reach the minimum installment purchase amount of USD1,606.04*, net of discounts, (exchange rate is fixed at PHP62.265* = USD1) to qualify for the cashback. However, cashback earned will be posted in Philippine Peso regardless of account enrollment in Dual Currency feature. 
   • Cashback will be awarded in Philippine Peso except for the following cards where cashback will be credited in USD currency: American Express Platinum Card, American Express Gold Card and American Express Green Card. Using the exchange rate of PHP62.265* = USD1, the equivalent of P5,000 Cashback is USD80.30* and P10,000 Cashback is USD160.60*. The maximum Cashback per qualified Cardholder is USD160.60. Cardholder can only avail one (1) cashback with a minimum USD1,606.04 single-receipt purchase (net of discount) per promo period. In the event of multiple qualified transactions, only the transaction with the highest cashback will be recognized. Cashback earned is calculated per customer. 
     
     Note: *FX rate may be subject to change prior to promo launch date.
     
7. The promotional cashback is not convertible to cash, discount or item(s).
8. Digital Walker, Beyond the Box & open_source by Beyond the Box have the sole discretion to determine the minimum required purchase amount, term(s), item(s)/ and/or service(s) and channel(s) applicable for the Zero Percent (0%) interest offering. 
9. BDO BUY NOW PAY NEXT YEAR transactions are subject to bank approval. 
10. The entire BUY NOW PAY NEXT YEAR transaction amount shall be deducted from the Cardholder’s available credit limit. 
11. The first monthly installment due on BUY NOW PAY NEXT YEAR (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 October 2 to 4, 2026: 

    

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12. 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 NEXT YEAR transactions, provided that the Cardholder’s total outstanding balance due for the pertinent monthly billing cycle is paid in full. Further, a corresponding BUY NOW PAY NEXT YEAR 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 BUY NOW PAY NEXT YEAR Processing Fee shall form part of the total outstanding amount due for the pertinent monthly billing cycle and must be paid in full.
13. 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. 
14. All complaints will be handled within 7 to 10 banking days from receipt of complaint, provided with complete information, proof of purchase and other supporting documents. All questions and issues arising from the Promo will only be accepted not later than December 3, 2026, after which all matters relating to the Promo are considered conclusive: 
15. For concerns on the partner merchant’s products and/or services, you may reach out to the merchant’s customer support thru their respective websites and/or customer service hotlines. 
    

1. Cardholder’s contact information must be updated to continue receiving card promotions/advisories. In case cardholder did not receive the promo ID via Viber/SMS or email, cardholder may call the BDO Customer Contact Center at (+632) 8888-8000 to get his/her assigned promo ID. BDO will not be responsible for non-receipt of Viber/SMS or email notification due to incorrect or outdated contact details.
   
2. The “Apple Launch 2026 BNPNY Cashback” Promo cannot be used in conjunction with other ongoing promotional offers of BDO. Similarly, cardholders can no longer request for disenrollment from the promo. Transactions that were already used to redeem treats, cashback, rebates or points from other BDO promotions (e.g. SM 3-day Sale, Spend Anywhere, Credit Card Activation Programs, etc.), can no longer be used to avail under this promo and vice versa. If found to have multiple availments, BDO shall have the right to reverse the cashback amount credited to the Cardholder’s BDO Credit Card, at BDO’s discretion.
3. Cardholders must examine his/her statement of account for any errors related to the Apple Launch 2026 BNPNY Cashback.  
4. BDO reserves the right to reverse or adjust the cashback awarded to the principal and supplementary cardholder in the event that the qualifying transactions were disputed or canceled at 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 BDO Credit Card promo(s). 
5. 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-268924, Series of 2026.