Have the confidence of a high credit limit that you can spend on your own terms and access anywhere in the world. Your credit limit is available in both Philippine Peso and US Dollar, where your Peso Credit Limit is the same as your Dollar Credit Limit.

Local transactions will be billed in Philippine Peso while international transactions will be billed in US Dollar.

*Enrollment is required to avail of this feature.

To enroll in this feature, you may choose any of the options below:
1. Click here
2. Text BDOCC<space>DUAL-OPT-IN<space>last 4-digits of your card/last name/first name/middle initial and send to 2256.
Example: BDOCC DUAL-OPT-IN 1234/Reyes/Juan/A

• Automatic annual membership fee waiver for the principal cardholder for a spend of at least ₱600,000/year.
• Lifetime Annual Fee Waiver for 6 supplementary accounts.

BUY NOW, PAY LATER
Major spending on gadgets, appliances, furniture, watches, jewelry or apparel is now made worry-free with BUY NOW, PAY LATER! Purchase items or pay for services on installment from over 20,000 in-store and online partner stores nationwide. You may also opt to pay medical bills and school tuition on installment. Choose from 3, 6, 9, 12, 18, 24 and 36 months term for a minimum single-receipt purchase of ₱3,000*.

BUY NOW, PAY LATER Program is available on:

• 0% Interest**
• Easy and affordable monthly add-on rates

Plus, take advantage of BUY NOW, PAY LATER with Payment Holiday promotional offer and pay your first monthly amortization up to 4 months later and other exclusive offers. 

Visit BDO website and search for “BUY NOW, PAY LATER” for details.

* Minimum purchase amount may vary per partner merchant
** Merchants have the sole discretion on the item(s)/term(s) applicable for the 0% interest offering

Other Installment Options

• Balance Transfer
  Transfer your other card balances to your BDO Credit Card and pay it on installment with low monthly add-on rates.  Apply online via www.bdo.com.ph/balance-transfer.
  
  
• Cash-It-Easy
  Convert your credit limit into cash and pay in easy installments up to 36 months. To avail, call (02) 8667-1680, 8:30am-4:30pm on banking days or visit a BDO branch near you.
  
  
• Purchase Convert
  You can convert recent single-receipt purchases of at least ₱5,000 or $200 to installment using your BDO Credit Card. Apply online via www.bdo.com.ph/purchase-convert or call (+632) 8888-0000.

Charge on Demand 

Spend your vacations and out-of-town trips without worrying about paying for your utility bills. Use BDO Credit Card’s Charge On Demand to settle your bills on a per-need basis. Simply log on to www.bdo.com.ph or call (+632) 8888-0000. 

Auto Charge 
Organize your bill payment schedules with BDO’s Auto Charge. This facility allows you to enroll multiple utility bills to your BDO Credit Card so that you only have one due date to remember. To learn more about this facility, click here.