UsapangCredit

BDO Installment Card

The BDO Installment Card is designed for people who need flexible access to cash with manageable repayment terms. Instead of earning rewards, the card focuses on financing convenience by allowing you to convert up to 100% of your assigned credit limit into cash and repay it in installments of up to 36 months. As you make payments, your available credit is automatically replenished, so you can re-avail funds anytime. It’s a practical option for financing large expenses or managing cash flow.

Key perks

  • Convert up to 100% of your credit limit into cash.
  • Flexible repayment terms from 3 to 36 months.
  • Reusable credit line that replenishes with every payment.

At a Glance

Card Tier:

Entry

Rewards Type:

n/a

Best For:

n/a

Min Annual Income:

180,000

Annual Fee:

1,000

Annual Fee Policy:

n/a

Features & Benefits

Convert up to 100% of your assigned credit limit into cash, payable in easy monthly installments.

Pay your cash availment in flexible installment terms from 3 to 36 months.

Assigned credit limit replenishes with every payment, allowing you to re-avail cash up to the available limit anytime.

Multiple cash availment channels available for convenient access to funds.

Low annual membership fee of ₱1,000 per year.

More Reasons To Love This Card

Installment & Payment Features

Credit to Cash:

Cash Installment

Purchase Installment:

Purchase Convert

Balance Conversion:

Balance Convert

Balance Transfer:

Balance Transfer

Special Installment:

Buy Now Pay Later

Send Money:

n/a

Bills Payment:

Charge on Demand / Auto Charge

Not sure what these mean? Here’s a quick guide to help you understand each feature.
  • Credit to Cash — Convert part of your credit limit into cash and repay it in fixed monthly installments over a set period.
  • Purchase Installment — Convert an existing or recent straight purchase into installments so you can pay it off monthly instead of in one full payment.
  • Balance Conversion — Convert your current credit card balance into installments to make repayment more manageable with fixed monthly amounts.
  • Balance Transfer — Move your balance from another credit card to this card, usually with lower interest or on installment terms.
  • Special Installment — Pre-arranged installment offers for specific purchases (e.g., partner merchants or promos), often with 0% interest for a set term.
  • Send Money — Transfer funds directly from your credit card to a bank account or e-wallet, typically with a fee.
  • Bills Payment — Pay your bills using your credit card—either manually (on demand) or automatically (auto charge).

Travel Features

Click an item to view other credit cards with the same feature or benefit.

n/a

General Features

Click an item to view other credit cards with the same feature or benefit.

n/a

Fees & Charges

Annual Fee:

1,000

Annual Fee note:

n/a

Annual Fee Supplementary:

500

Annual Fee Supplementary note:

For Kabayan Installment Card accounts only

Retail Monthly Interest Rate:

3%

Cash Advance Monthly Interest Rate:

3%

Cash Advance Fee:

₱200

Processing Fee – Credit to Cash:

₱350

Processing Fee – Purchase Installment:

₱100

Processing Fee – Balance Conversion:

₱350

Processing Fee – Balance Transfer:

₱350

Send Money Fee:

n/a

Note: The installment processing and Send Money fees shown above reflect the minimum applicable amount. Actual fees may vary depending on the transaction amount, currency involved, or how the request is initiated (e.g., through electronic channels or via customer service).

Eligibility & Requirements

Eligibility

  • Age: 21–60 (principal), 13+ (supplementary)
  • Residency: Filipino citizen or foreign resident in the Philippines
  • Minimum income: ₱15,000 gross monthly income

Requirements

Proof of Identification

  • Filipino applicants: Any valid government-issued photo ID (e.g., PhilSys ID, passport, driver’s license, SSS ID).
  • Supplementary applicants who are students: Valid school ID accepted.
  • Foreign applicants: Valid passport plus visa/immigration documents (e.g., work visa, ACR/ICR) and proof of employment or embassy endorsement if applicable.

Proof of Income

Employed applicants:

  • Latest ITR or BIR Form 2316 (required)
  • Plus any of the following: latest payslip, certificate of employment, or statements from an existing credit card (at least 1 year old)

Self-employed applicants:

  • Latest ITR and audited financial statements (required)
  • Business registration (DTI or SEC)
  • Recent bank statements (may be required)