Absolutely 0% Interest at SM Retail Stores!

Absolutely 0% Interest at SM Retail Stores!

Get the latest trends at Levi's, Crocs, Sfera, Uno de 50 and Suite Blanco. Choose from a wide array of home furnishings and accessories at Crate & Barrel and Our Home. Get a head start on your house renovations with finds from Ace Hardware and stock up on your pets' essentials at Pet Express.

Reward your little ones with treats from Toy Kingdom and Baby Company. Do this and more at Absolutely 0% interest* with your BDO Credit Card!

*Absolutely 0% interest on installment applies to all BDO and American Express Credit Cards except for Corporate Cards. Subject to bank approval. Valid only if monthly bills are paid in full. Terms and Conditions apply.

EASYPAY INSTALLMENT TERMS AND CONDITIONS:

1. Qualified cardholders may avail of the Absolutely Zero Percent (0%) interest for a minimum single purchase:
    

   SM Retail Store	Minimum Installment Spend Requirement (in PHP)
   Ace Hardware, Toy Kingdom, Baby Company, Crocs, Pet Express	3,000.00
   Sfera, Kultura, Levi's, Suite Blanco, Uno de 50	5,000.00
   Our Home and Crate and Barrel	15,000.00

    

2. Absolutely Zero Percent (0%) interest is applicable if the cardholder pays his/her monthly installment in full.

3. SM Retail Stores have sole discretion on the term/s and item/s applicable for the Absolutely Zero Percent (0%) offering.

4. For items not included in the 0% offer, the regular monthly add-on interest rates below apply:
    

   Term	Factor Rate	Add-On Rate
   3	0.3533378	2.00%
   6	0.1846689	1.80%
   9	0.1288135	1.77%
   12	0.1008373	1.75%
   18	0.0755604	2.00%
   24	0.0631700	2.15%
   36	0.0502808	2.25%

    

5. 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 EasyPay In-store installment transactions, provided that the Cardholder's total outstanding balance due for the pertinent monthly billing cycle is paid in full. Further, a corresponding fee of 5% of the total remaining balance or Php 300, 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 fee shall form part of the total outstanding amount due for the pertinent monthly billing cycle and must be paid in full.