Purchase Convert 0.55% Low Rate

Convert recent purchases to installment at 0.55% monthly add-on rate!

**Promo Period **June 1 to November 30, 2026

Qualified Cards Qualified Cardholders will receive Viber, SMS or email (from "BDO Deals”) about the Promo with the applicable rate and Promo ID. Click here for sample Viber/SMS.

**​ ​Minimum Amount **P3,000 or USD200

Rates and Applicable Fees

Eligibility is determined by BDO at the time of Purchase Convert application. Qualified Cardholders will receive Viber, SMS or email (from "BDO Deals”) about the Promo with the applicable rate.

** Quick access to Purchase Convert Low Rate Calculator**

Availment Channels

*Qualified Cardholders may apply for multiple transactions for Purchase Convert, subject to individual form submission for every application.

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NOTE: To avoid duplicate processing of Purchase Convert request, please ensure that transaction conversion request is made through only one application channel. Application status will be available after 5 banking days.

Any availment made thru other channels may result to double processing and that the cancellation, if there is any, may be charged an Installment Processing Fee.

 Click here for DECLINE REASONS.

Promo Mechanics

1. The BDO Purchase Convert Low Rate ("Promo") is applicable to PHP (Peso) and USD (Dollar) BDO Credit Card accounts and is open to:

whose accounts are active at the time of Purchase Convert application and have received Viber, SMS or email from BDO Deals about the Promo. Excluded are Tie-up Cards, Corporate Cards, Distribution Cards and Purchasing Cards. International Dollar Cards are excluded for PHP Promo.

• Promo is from June 1 to November 30, 2026

• Transactions must meet the following conditions to qualify for the promo:

  1. PHP transactions must be charged to a BDO Credit Card.

  2. USD transactions must be charged to a BDO Dual Currency Credit Card or BDO American Express® International Dollar Cards.

  3. All transactions must meet the minimum single-receipt purchase of P3,000 for PHP or USD200 for USD.

  4. Availment must not be more than sixty (60) days from the transaction date. Processing time will take 5 banking days.

  5. Transaction from Supplementary and Virtual Cards may be converted to installment provided that application will be requested by the Principal Cardholder.

• The following transactions/MCCs are disqualified from the Promo:

  1. Transactions associated with gambling, money transfers or other similar cash transactions. MCC Codes: 7995 and 9406

  2. Cash and other money transfer transactions like Cash Advance and cash-in to load e-wallets / prepaid cards such as PayMaya, GCash or any similar transactions. MCC Codes: 4821, 4829, 6010, 6011, 6012, 6050, 6051, 6211, 6532, 6533, 6536, 6537, 6538, 6540 and 7012

  3. Other BDO installment transactions or any amortizing transaction like 0% interest, Regular Installment, etc.

• The promo monthly add-on interest rates below shall apply:

​**Quick access to Purchase Convert Low Rate Calculator**​

• The Principal Cardholder may apply for the Promo through any of the following application channels:

Multiple availments will result to imposition of Installment Availment Fee for every transaction. To avoid duplicate processing of Purchase Convert request, please ensure that transaction conversion request is made through only one application channel. Application status will be sent via SMS using registered mobile number after five (5) banking days.

Any availment made through other channels may result to double processing and that the cancellation, if there is any, may be charged an Installment Processing Fee.

• An Installment Availment Fee of P100 for every approved PHP transaction for amounts up to P20,000, P200 for every approved PHP transaction for amounts above P20,000, USD5 for every approved USD transaction will be charged. The Installment Availment Fee is non-refundable and will be due even if Cardholder decides to pay the entire remaining balance before the end of the payment term.

• The Total add-on interest of the Purchase Convert request will be deducted from the available credit limit. If the total add-on interest exceeds the available credit limit, BDO shall continue to process the Purchase Convert request up to 20% overlimit and earmark the excess amount against the Cardholder’s credit limit. Cardholder shall continue to pay the monthly amortization of the approved Purchase Convert transaction and will only be able to use the card once credit limit is refreshed or becomes available. The sample computation below illustrates a Cardholder with single-retail transaction that fully utilizes the available credit limit. If Cardholder applied for Purchase Convert on the retail transaction for 12 months, credit limit will be exceeded due to total interest. Cardholder will not be able to use his card for at least one (1) month until payment has been made and enough to free up his credit limit.

• In case the card is temporarily blocked by the Cardholder through BDO Pay, BDO Online app or BDO Online web at the time of processing the request, Cardholder authorizes BDO to continue processing the Purchase Convert request and to post the approved Purchase Convert transaction to the card.

• All Purchase Convert applications are subject to BDO’s approval and once approved shall be subject to the Terms and Conditions (“T&C”) of the Purchase Convert Program and the Terms and Conditions Governing the Issuance and Use of BDO Credit Cards.

• Monthly installment due to Purchase Convert applications for transactions using Principal, Supplementary or Virtual Card, together with monthly interest and penalty charge (if any) will be billed to the Principal Cardholder starting on the next statement cycle after the Purchase Convert transaction posting date and every month thereafter until the total amount payable is paid in full.

• Purchase Convert applications that have been submitted or requested can no longer be reversed or cancelled. However, cancellation requests arising from a merchant refund may be considered if submitted within 30 calendar days from installment posting date and, where applicable, are accompanied by complete and satisfactory supporting documents. Cancellation requests are subject to a processing fee, except for merchant refund related requests submitted within 30 calendar days from the posting date, in which case no processing fee shall be charged.

• 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 Purchase Convert 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 for PHP-denominated transactions or USD10 for USD-denominated transactions, 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.

• 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.

Purchase Convert  will also apply.

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Per DTI Fair Trade Permit No. FTEB-257676 Series of 2026.