Transfer card balances from other banks to BDO Credit Card at 0.45% monthly add-on rate for up to 60 months installment term. Plus, pay 2 moths later!

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

 

Term
(months)

Add-On-Rate
Per Month

Effective Rate
Per Annum

 Factor Rate

3

 0.45% 8.09% 0.337837844

6

 0.45% 9.20% 0.171167351

9

 0.45% 9.62% 0.115612226

12

 0.45% 9.83% 0.087836841

18

 0.45% 10.00% 0.060057080

24

 0.45% 10.05% 0.046168007

36

 0.45% 10.03% 0.032281274
48 0.45%

                                 9.94%

 0.025333779
60 0.45%

9.84%

 0.021168404

 

Sample Computation for a Balance Transfer amount of P20,000 at 24 months term:
Balance Transfer Amount x Factor Rate = Monthly Amortization**
P20,000 x 0.046168007 = P923.36 per month for 24 months


**Above computation is presented as a guide to derive the monthly amortization.

Quick access to Balance Transfer Special Rate Calculator

 

APPLICABLE FEES

Installment Availment Fee P250 This will be charged for every approved Balance Transfer application.
Installment Processing Fee 5% of the total remaining balance or P300, whichever is higher This will apply only to Installment Acceleration requests and will be charged after request has been approved.

 

Click here for the complete Promo Mechanics of 2025 Balance Transfer Special Rate Promotion.
 

NOTE: After the submission of online webform, Cardholder will receive an *SMS from BDO to complete the application.  Balance Transfer application will be processed in 5 to 7 banking days.
 

*SMS applications such as Google messages may add prefix "0" to the short code 225678 which may result to non-receipt of application.
BDO System does not recognize responses from (02)25678.  Click here for sample.
 
To avoid duplicate processing of Balance Transfer, please ensure that request is made only through one application channel. Application status will be sent to registered mobile number via SMS after seven (7) banking days.
 
Any availment made thru other channels may result to double processing and that the cancellation, if there's any, may be charged an Installment Processing fee of 5% of the total remaining balance or P300, whichever is higher.

Balance Transfer Special Rate

* All fields are mandatory