Shopping Credit Card Promos You Need This December 2024

(SPOT.ph) Feeling like you don't deserve to go shopping, yet you need to treat yourself for your hard work? Take your shopping spree up a notch by exploring credit card promotions that offer exclusive discounts, cashback, and more. You may discover that your favorite brands are participating in these promotions!

Explore our list of current credit card shopping promotions below:

• BDO
• BPI
• Metrobank
• RCBC

Also read: All The Credit Card Promos for 2024: Dining, Travel, Shopping Deals

BDO Shopping Credit Card Promos for Shopping in 2024

SM APPLIANCE CENTER LIBRENG APPLIANCES ARAW-ARAW

Promo Period

November 15, 2024 to January 15, 2025

Eligible Cards

• Credit Cardholders (Mastercard, Visa, American Express, JCB, UnionPay and Diners Club)

Important Notes: 

Qualified BDO Credit Cardholders may avail of the following offers:

• Ten (10) raffle winners of Taal Vista Hotel Gift Certificates (Overnight Stay for two (2) with breakfast buffet)
• Up to 40% OFF on select items until November 30
• EXTRA P500 OFF for every P35,000 installment spend in a single-receipt, net of applicable discounts
• 0% interest up to 24 months term
• Buy Now, Pay Next Year for November 15 – December 31, 2024 transactions
• Note: The first monthly installment due on BUY NOW, PAY LATER transactions from January 1 – 15, 2025 will be billed to the Cardholder on the next statement cycle after the transaction date. Payment is due 25 days after the statement cut-off.

Promo Mechanics:

• The Promo is open to all active Principal and Supplementary Credit Cardholders of BDO (Mastercard, Visa, American Express, JCB, Diners Club and UnionPay). Corporate Cards, Distribution Cards and Purchasing Cards are excluded from the Promo.
• The Promo runs from November 15, 2024 to January 15, 2025 in all SM Appliance Center store branches nationwide.
• Qualified BDO Credit Cardholders may avail of the following offers:
• Ten (10) raffle winners of Taal Vista Hotel Gift Certificates (Overnight Stay for two (2) with breakfast buffet)
• Up to 40% OFF on select items until November 1 - 30*
• EXTRA P500 OFF for every P35,000 installment spend in a single-receipt, net of applicable discounts
• 0% interest up to 24 months term
• Buy Now, Pay Next Year: Pay 4 months later for November 15 to December 31, 2024 transactions
  *SM Appliance Center Anniversary Sale Promo Terms & Conditions apply.
  Note: The first monthly installment due on BUY NOW, PAY LATER transactions from January 1 – 15, 2025 will be billed to the Cardholder on the next statement cycle after the transaction date. Payment is due 25 days after the statement cut-off.
• SM Appliance Center has the sole discretion to determine the minimum required purchase amount, term(s), item(s)/ and/or service(s) and channel(s) applicable for the Zero Percent (0%) interest offering
• The promotional discount is not convertible to cash or item(s).
• The Promo cannot be used in conjunction with the store's other promotional offers, in-store sale or discounts, privileges and VIP cards, and shall be subject to the existing store's terms and conditions.
• The BUY NOW, PAY NEXT YEAR Promo is effective November 15 – December 31, 2024. The monthly installment due on BNPNY transactions, together with the monthly interest and penalty charge (if any), will be billed to the Cardholder starting on the fourth (4th) statement cut-off from transaction date and every month thereafter until the total amount payable is paid in full.
• The first monthly installment of a transaction under the BUY NOW, PAY LATER Program will be billed to the Cardholder on the next cycle after the transaction date and payment thereof is due 25 days after the statement cut-off.
• All BDO BUY NOW, PAY LATER and BUY NOW, PAY NEXT YEAR transactions are subject to bank approval.
• The entire BUY NOW, PAY LATER and BUY NOW, PAY NEXT YEAR transaction amount shall be deducted from the Cardholder's available credit limit.
• 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 BUY NOW, PAY LATER and BUY NOW, PAY NEXT YEAR 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 P300, 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.
• In case of dispute in respect of but not limited to BDO Credit Cardholder's eligibility, coverage of dates, fulfillment, BDO's decision shall prevail. All questions or disputes regarding the Cardholder's eligibility for the Promo shall be resolved by BDO in concurrence with DTI
• All complaints will be handled within 7 to 10 banking days from receipt of complaint, provided with complete information, proof of purchase and other supporting documents. All questions and issues arising from the Promo will only be accepted not later than January 15, 2025 after which all matters relating to the Promo are considered conclusive
• For concerns on the partner merchant’s products and/or services, you may reach out to the merchant’s customer support via www.smappliance.com/pages/customer-support.
• The Promo is subject to the Terms and Conditions Governing the Issuance and Use of BDO Credit Cards

HOLIDAY SPEND ANYWHERE CASHBACK

Promo Period

November 15, 2024 to January 31, 2025

Eligible Cards

• BDO Mastercard, Visa, JCB, UnionPay, and Diners Club Credit Cards
• American Express Cards issued by BDO

Important Notes: 

• Spend Anywhere
• Accumulate spend of at least P40,000.
• Transactions of P1,000 or higher are qualified.
• Enroll
• Join the promo by submitting your 10-digit Promo ID until January 31, 2025.
• Receive up to P10,000 Cashback
• This will be credited to your account on or before March 14, 2025.

Promo Mechanics

• The Holiday Spend Anywhere Cashback Promo (“Promo”) is open to all active Principal and Supplementary credit cardholders of Mastercard, Visa, JCB, UnionPay, Diners Club and American Express Cards. Account (single and dual currency accounts) must be active and of good credit standing (i.e., no past due) within the Promo Period and at the time of Cashback posting.
• The Promo will run from November 15, 2024 to January 31, 2025 (“Promo Period”). All transactions must be made within the Promo Period to avail of the Offer.
• To qualify, cardholder must: 
  
  • Local in-store purchases
  • Dip, Tap, or Scan-to-Pay via BDO Pay using Qualified Card
  • BUY NOW, PAY LATER purchases (principal amount only)
  • Enroll within the Promo Period on the designated web registration page using the Promo ID that was sent by BDO via BDO Deals Viber/SMS and/or email. Enrollment with an incorrect Promo ID will not be processed.
  • Principal and Supplementary Cardholders must register separately using their individual Promo ID.  
  • Use Qualified BDO Credit Card within the Promo Period:
  • Overseas in-store purchases
  • Online spend (local/overseas)
  • The cumulative spend amount must be at least P40,000 with a minimum of P1,000 per transaction.
  • Exclusions:
  • Cash advances made via ATM or over-the-counter and cash in to load e-wallets/prepaid cards such as Maya, money transfers or any similar transactions
  • Any type of Bills Payment such as Auto Charge, Charge-on-Demand, utility or recurring bills, loan payments and the like
  • Transactions from casinos or from merchants engaged in betting or gambling
  • Transactions from stock trading, foreign exchange trading, financial trading services, remittance and the like
  • Cash Installment and Balance Installment Programs such as Cash-It-Easy, Balance Transfer, Purchase Convert and Balance Convert 
  • Any transactions used to redeem from other ongoing BDO Credit Card promos
  • BDO has the sole discretion in determining whether a transaction is classified under these exclusions. BDO is dependent on the merchant category classifications assigned by the acquiring bank of each merchant establishment to be able to identify the inclusion/exclusion of a transaction
  Article continues after this ad.

  ---

  ADVERTISEMENT - CONTINUE READING BELOW
  • Earning of Cashback:
    
    • Purchases must come from one Card only. Transactions from various Cards cannot be combined.
    • Cashback will be awarded to the Card where the transaction was made.
    • A Principal Card is treated separately from his/her Supplementary Card/s. The transactions of the Principal Card cannot be combined with the transactions of the Supplementary Card;
    • Transactions using a Virtual Card can be combined with the transactions of the main Card
  • The maximum Cashback entitlement per Qualified Card is P10,000.
  • For Cardholders with multiple Qualified Cards:
  • In computing for the total qualified spend amount:
  • For Cardholders enrolled in Dual Currency feature, transactions in US Dollar will be converted to its Philippine Peso (PHP) equivalent using USD1 = PHP56. The amount will then be added to the total qualified Peso transactions to determine the total spend amount.
  • Crediting of Cashback:
  • Cashback will be awarded in Philippine Peso except for the following cards where cashback will be credited in USD currency with a maximum of USD178.57: American Express Platinum Card and American Express Gold Card.
  • Cashback earned by the Supplementary Cardholder will be posted to the Principal Cardholder’s account.
  • Qualified Cardholders will receive an SMS on or before March 14, 2025 upon successful posting of Cashback earned and will appear on the succeeding Statement of Account (SOA) with transaction description “HOLIDAY SPEND ANYWHERE CASHBACK”. 
  • Cardholder understands that by joining the Promo, transaction/s must not be used to redeem from other BDO Credit Card promos such as but not limited to Dining Deals, Online Deals (e.g. Lazada, Shopee, Food Deliveries, etc.), SM 3 Day Sale, Credit Card Activation Programs and other discount promos. By choosing to redeem other offers before the Cashback awarding, Cardholder understands that these transactions will no longer be qualified under this Promo.

  BUY NOW, PAY LATER AT LAZADA

  Promo Period

  Article continues after this ad.

  ---

  ADVERTISEMENT - CONTINUE READING BELOW

  November 11 to December 31, 2024  

  Eligible Cards

  • Credit Cardholders (Mastercard, Visa, American Express and JCB)

  Important Notes: 

  • Qualified BDO Credit Cardholders may avail of BUY NOW, PAY LATER on 0% interest on select items.

  Promo Mechanics:

  • The Offer is open to all active and current Principal and Supplementary Credit Cardholders of BDO (Mastercard, Visa, American Express and JCB) Cards. Corporate Cards, Distribution Cards and Purchasing Cards are excluded from the Promo.
  • The Offer is available from November 11 to December 31, 2024 in Lazada. 
  • Qualified BDO Credit Cardholders may avail of BUY NOW, PAY LATER on 0% interest up to 12 months term on select items. 
  • Lazada has the sole discretion to determine the minimum required purchase amount, term(s), item(s)/ and/or service(s) and channel(s) applicable for the Zero Percent (0%) interest offering. 
  • The first monthly installment will be billed to the Cardholder on the next statement cycle. Payment is due 25 days after the statement cut-off.  
  • In case of dispute in respect of but not limited to BDO Credit Cardholder's eligibility, coverage of dates, fulfillment, BDO's decision shall prevail. All questions or disputes regarding the Cardholder's eligibility for the Promo shall be resolved by BDO in concurrence with DTI. 
  • All complaints will be handled within 7 to 10 banking days from receipt of complaint, provided with complete information, proof of purchase and other supporting documents. 
  • For concerns on the partner merchant’s products and/or services, you may reach out to the merchant’s customer support at (02) 8952 9232.  
  • The Promo is subject to the Terms and Conditions Governing the Issuance and Use of BDO Credit Cards.

  12% OFF ON SHEIN

  Promo Period

  Until December 31, 2024

  Eligible Cards

  • BDO Visa Classic Credit Cards 
  • BDO Visa Gold Credit Cards 
  • BDO Visa Platinum Credit Cards 
  • BDO Visa Debit Cards 
  • BDO Visa Virtual Cards 

  Important Notes: 

  • Enjoy 12% OFF on SHEIN for a minimum spend of P1,499 with BDO Visa Credit and Debit Cards.

  Promo Mechanics

  • The promo period is until December 31, 2024.
  • Promo is exclusive to BDO Visa Credit and Debit Cardholders. 
  • Qualified BDO Visa Cardholders are entitled to avail of the promo discount on Shein within the applicable promo period. 
  • Promo discount is 12% OFF with a minimum spend of P1,499 with the coupon code “SHEINPHVISA”. No cap on the discount. 
  • Promo discount is valid for 3 times use during the promo period. 
  • Promo discount is valid exclusively on online purchases through the page https://ph.shein.com/ or in the SHEIN app (available in PLAYSTORE® and/or APPLESTORE®). 
  • Promo discount will be automatically applied to the total order amount at the time of entering the code in the check-out process. 
  • Promo discount is not cumulative and does not apply with other promo code discounts within the website or the mobile application. 

  BUY NOW, PAY LATER AT BLIMS LIFESTYLE GROUP

  Promo Period

  December 1, 2024 to January 31, 2025

  Eligible Cards: 

  • Principal and Supplementary Cards
  • BDO Mastercard, Visa, JCB, UnionPay, and Diners Club Credit Cards
  • American Express Cards issued by BDO

  Important Notes: 

  Qualified BDO Credit Cardholders may avail of the following BUY NOW, PAY LATER offers:

  • 0% interest up to 24 months term
  • BUY NOW, PAY NEXT YEAR: Pay 4 months later for December 1 – 31, 2024 transactions

  Promo Mechanics:

  • The Promo is open to all active Principal and Supplementary Credit Cardholders of BDO (Mastercard, Visa, American Express, JCB, Diners Club and UnionPay). Corporate Cards, Distribution Cards and Purchasing Cards are excluded from the Promo.
  • The Program is available from December 1, 2024 to January 31, 2025 in all Blims showrooms, Natuzzi Edsa Shangri-la, and Sogo Home and Office Stores. 
  • Qualified BDO Credit Cardholders may avail of the following BUY NOW, PAY LATER offers:
  • 0% interest up to 24 months term
  • BUY NOW, PAY NEXT YEAR: Pay 4 months later for December 1 – 31, 2024 transactions
  • Blims Lifestyle Group has the sole discretion on the term(s), item(s), service(s), and/or channel(s) applicable for the Zero Percent (0%) Interest offering.
  • If the Cardholder chooses not to avail of the Buy Now, Pay Next Year option, the first monthly installment will be billed on the next statement following the transaction date. However, the Cardholder will still remain eligible for any applicable discount and/or free item. 
  • The promotional free item or discounts are not convertible to cash, discount, or other item(s). 
  • To redeem the free item, BDO Credit Cardholder must present the original customer's copy of the BDO installment charge slip and the qualified sales invoice at the store's payment counter. Redemption period is until April 1, 2025. 
  • Cardholders with lost/stolen or faded/unreadable installment charge slip will not be allowed to redeem. BDO and Blims Lifestyle Group are not obliged to recognize or replace lost or faded charge slip(s) for purposes of item(s) redemption. 
  • Redemption of free items from split transactions is not allowed.
  • The Promo cannot be used in conjunction with the store's other promotional offers, in-store sale or discounts, privileges and VIP cards, and shall be subject to the existing store's terms and conditions.
  • The BUY NOW, PAY NEXT YEAR Promo is effective from December 1 – December 31, 2024. The monthly installment due on BNPNY transactions, together with the monthly interest and penalty charge (if any), will be billed to the Cardholder starting on the fourth (4th) statement cut-off from transaction date and every month thereafter until the total amount payable is paid in full.
  • The first monthly installment of a transaction under the BUY NOW, PAY LATER Program will be billed to the Cardholder on the next cycle after the transaction date and payment thereof is due 25 days after the statement cut-off.
  • All BDO BUY NOW, PAY LATER and BUY NOW, PAY NEXT YEAR transactions are subject to bank approval. 
  • The entire BUY NOW, PAY LATER and BUY NOW, PAY NEXT YEAR transaction amount shall be deducted from the Cardholder's available credit limit.
  • 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 BUY NOW, PAY LATER and BUY NOW, PAY NEXT YEAR 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 P300, 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.
  • In case of dispute in respect of, but not limited to BDO Credit Cardholder's eligibility, coverage of dates, fulfillment, BDO's decision shall prevail. All questions or disputes regarding the Cardholder's eligibility for the Promo shall be resolved by BDO in concurrence with DTI. 
  • All complaints will be handled within 7 to 10 banking days from receipt of complaint, provided with complete information, proof of purchase and other supporting documents. All questions and issues arising from the Promo will only be accepted not later than April 1, 2025 after which all matters relating to the Promo are considered conclusive.
  • For concerns on the partner merchant’s products and/or services, you may reach out to the merchant’s customer support at (02) 865-05623, or send an e-mail to info@blimsfurniture.com, customerservice@sogofurniture.com, or natuzzieditions.sales@gmail.com. 
  • The Promo is subject to the Terms and Conditions Governing the Issuance and Use of BDO Credit Cards. 

  BUY NOW, PAY LATER AT LA-Z-BOY

  Promo Period

  December 1, 2024 to January 31, 2025

  Eligible Cards

  • Principal and Supplementary Cards:
  • BDO Mastercard, Visa, JCB, UnionPay, and Diners Club Credit Cards
  • American Express Cards issued by BDO

  Important Notes

  • Qualified BDO Credit Cardholders may avail of the following BUY NOW, PAY LATER offers:
    
    • 0% interest up to 24 months term
    • BUY NOW, PAY NEXT YEAR: Pay 4 months later for December 1 – 31, 2024 transaction

  Promo Mechanics

  • The Promo is open to all active Principal and Supplementary Credit Cardholders of BDO (Mastercard, Visa, American Express, JCB, Diners Club and UnionPay). Corporate Cards, Distribution Cards and Purchasing Cards are excluded from the Promo.
  • The Program is available from December 1, 2024 to January 31, 2025 in all Blims showrooms and La-Z-Boy galleries 
  • La-Z-Boy has the sole discretion on the term(s), item(s), service(s), and/or channel(s) applicable for the Zero Percent (0%) Interest offering.
  • If the Cardholder chooses not to avail of the Buy Now, Pay Next Year option, the first monthly installment will be billed on the next statement following the transaction date. However, the Cardholder will still remain eligible for any applicable discount. 
  • The promotional discounts are not convertible to cash, discount, or other item(s). 
  • The Promo cannot be used in conjunction with the store's other promotional offers, in-store sale or discounts, privileges and VIP cards, and shall be subject to the existing store's terms and conditions. 
  • The BUY NOW, PAY NEXT YEAR Promo is effective from December 1 – December 31, 2024. The monthly installment due on BNPNY transactions, together with the monthly interest and penalty charge (if any), will be billed to the Cardholder starting on the fourth (4th) statement cut-off from transaction date and every month thereafter until the total amount payable is paid in full.
  • The first monthly installment of a transaction under the BUY NOW, PAY LATER Program will be billed to the Cardholder on the next cycle after the transaction date and payment thereof is due 25 days after the statement cut-off.
  • All BDO BUY NOW, PAY LATER and BUY NOW, PAY NEXT YEAR transactions are subject to bank approval. 
  • The entire BUY NOW, PAY LATER and BUY NOW, PAY NEXT YEAR transaction amount shall be deducted from the Cardholder's available credit limit. 
  • 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 BUY NOW, PAY LATER and BUY NOW, PAY NEXT YEAR 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 P300, 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. 
  • In case of dispute in respect of, but not limited to BDO Credit Cardholder's eligibility, coverage of dates, fulfillment, BDO's decision shall prevail. All questions or disputes regarding the Cardholder's eligibility for the Promo shall be resolved by BDO in concurrence with DTI. 
  • All complaints will be handled within 7 to 10 banking days from receipt of complaint, provided with complete information, proof of purchase and other supporting documents. All questions and issues arising from the Promo will only be accepted not later than April 1, 2025 after which all matters relating to the Promo are considered conclusive. 
  • For concerns on the partner merchant’s products and/or services, you may reach out to the merchant’s customer support at (+63) 915-3919793 or send an e-mail to online@lazboyph.com. 
  • The Promo is subject to the Terms and Conditions Governing the Issuance and Use of BDO Credit Cards.

  

  15% OFF AT LEVI'S®

  Promo Period

  November 1 to December 15, 2024

  Eligible Cards

  • BDO World EliteTM Mastercard®
  • BDO Platinum MastercardTM
  • BDO Titanium MastercardTM
  • BDO Visa Platinum Credit Card
  • BDO JCB Platinum Credit Card
  • BDO Diamond UnionPay Credit Card
  • BDO Diners Club Premiere Credit Card
  • American Express Platinum Card®
  • American Express® Gold Card
  • American Express® Green Card
  • American Express® Platinum Credit Card

  Important Notes

  Valid for a minimum single-receipt purchase of P5,000 on select, regular-priced items at all Levi’s boutique stores nationwide

  Promo Mechanics

  • Offer is available on select regular-priced items for a minimum single-receipt purchase of P5,000. Valid for straight payment, single-receipt transactions. See list of excluded items here.
  • Valid at all Levi’s boutique stores nationwide. See store list here.
  • Discount awarding:
    • To avail of the promo, BDO Cardholder must be present and use his/her eligible Card to pay for the total amount of transaction through a BDO Point-of-Sale (POS) terminal or Scan to pay via BDO Pay.
    • Discount awarded is non-transferable and non-convertible to cash.
    • Offer is not valid for purchases at department stores, factory outlets, or online.

  

  P500 OFF AT ZALORA

  Promo Period

  November 5, 12, 19 & 26, 2024

  December 3, 10, 17, 24 & 31, 2024

  Eligible Cards

  • BDO JCB Platinum Credit Card

  Important Notes

  Use promo code: JCBPLEX

  Valid up to 3x use within the promo period.

  Minimum purchase requirement excludes shipping/delivery fee.

  Promo Mechanics

  • The promo is open to all active Principal and Supplementary BDO JCB Platinum Credit Cardholders.
  • Promo is valid every Tuesday from November 5 to December 31, 2024.
  • BDO JCB Platinum Credit Cardholders can get P500 OFF for a minimum spend of P5,000 on select designer brands at ZALORA.
  • To avail of the offer, open the Zalora app or website and proceed with the following steps:
    
    • Click on 'Shop Women' or 'Shop Men' to begin.
    • Select product categories
    • Select the item/s, item size, and click 'Add to Bag'
    • Go to the Bag, enter promo code: “JCBPLEX” then click ‘Apply’.
    • Once finished, click ‘Proceed to Buy’.
    • Sign up or log in to your account to proceed to payment.
    • Select 'Credit/Debit Card' as mode of payment, enter the details of your qualified BDO JCB Platinum Credit Card. Click ‘Continue to Order Review’.
    • Review your order and Click ‘Place Order'.
  • The promo offer is open to new and existing Zalora customers.
  • Promo code is valid up to 3x use within the promo period.
  • The discount and vouchers are subject to Zalora’s Terms and Conditions.

  

  BUY NOW, PAY LATER AT SM STORE

  Promo Period
  January 1 to December 31, 2024.

  Eligible Cards

  • BDO Mastercard
  • Visa
  • American Express
  • JCB
  • Diners Club
  • UnionPay

  Not Eligible:  BDO Corporate Cards, BDO Commercial Cards, BDO Cash Cards, and BDO Debit Cards.

  Promo Mechanics:

  • Qualified BDO Credit Cardholders may avail of BUY NOW, PAY LATER at 0% interest on 3 months term for a minimum purchase of P5,000. The first installment will be billed on the next statement date. 

  

  SHOP ONLINE AND PAY LATER

  Promo Period
  April 15 to December 31, 2024.

  Eligible Cards

  • Mastercard
  • Visa,
  • American Express
  • JCB,
  • UnionPay
  • Diners Club

  Not Eligible: Corporate Cards, Distribution Cards and Purchasing Cards.

  Promo Mechanics:

  1. Qualified BDO Credit Cardholders may avail of the following offers:
     
     • BUY NOW, PAY LATER at 0% interest up to 24 months term
     • BUY NOW, PAY LATER Regular for a low 1% monthly add-on rate up to 36 months term 

       

       Sample Computation
       1.  Amount to be charged: P10,000
       2. Installment term: 12 months
       3. Factor rate: 0.93334686
       4. Monthly amortization: Amount x Factor Rate
          P10,000 x 0.93334686 = P933.35
          P933.35 per month for 12 months
       5. Total Installment Price: Monthly Amortization x Installment Term
          P933.35 x 12
          P11,200.16
          
          Note: Above computation is presented as a guide to derive the monthly amortization. Actual monthly amortization may vary slightly due to rounded values.
  2. Partner merchant/s have sole discretion on the term/s and item/s applicable for the Zero Percent (0%) offering.
  3. The first monthly installment will be billed to the Cardholder on the next statement cycle. Payment is due 25 days after the statement cut-off. 
     

     

  4. In case of dispute in respect of but not limited to BDO Credit Cardholder's eligibility, coverage of dates, fulfillment, BDO's decision shall prevail. All questions or disputes regarding the Cardholder's eligibility for the Promo shall be resolved by BDO in concurrence with DTI.
  5. All complaints will be handled within 7 to 10 banking days from receipt of complaint, provided with complete information, proof of purchase and other supporting documents.
  6. The Promo is subject to the Terms and Conditions Governing the Issuance and Use of BDO Credit Cards.

  Also Read: All BDO Credit Card Promos This 2024

  Back to top

  BPI Shopping Credit Card Promos for Shopping in 2024

  

  3 MONTHS 0% INSTALLMENT AT SM

  Eligible Cards

  • BPI Amore Cashback Card  
  • BPI Amore Platinum Cashback Card  
  • BPI Corporate Card 
  • BPI Edge Card 
  • BPI Gold Rewards Card   
  • BPI Platinum Rewards Card   
  • BPI Rewards Card   
  • BPI Signature Card 
  • Petron BPI Card 

  Important Notes

  Qualified credit cardholders can enjoy a bonus installment credit limit of up to 100% of their regular credit line.

  Promo Mechanics

  • The S.I.P. Real 0% installment terms are available for a minimum single-receipt purchase requirement of Php 3,000.
  • The terms may be available for select items only.
  • All installment transactions are subject to BPI’s approval.
  • Cardholder can also choose to avail of other S.I.P. features: Up to 100% Bonus Madness Limit for qualified BPI Credit Cardholders
  • The monthly payment shall first be applied to the interest charges then to principal amount using the diminishing balance method
  • BPI will charge an early termination fee of Php 550 + 20% on the principal amount should the cardholder decide to terminate the SIP transaction prior to the 1st billing.
  • BPI will charge an early termination fee of Php 550 for SIP transactions terminated after the first billing.
  • To qualify for the Program, the Cardholder must use his or her participating BPI Card to pay for his or her purchases at the participating Merchant.

  

  ZALORA YEAR-ROUND PROMO

  Promo Period
  August 1 to December 31, 2024.

  Eligible Cards

  • BPI Debit Cards
  • BPI Credit Cards
  • Amore Cashback Card
  • Amore Platinum Cashback Card
  • Rewards Card
  • Corporate Card
  • eCredit Card
  • Edge Card
  • Gold Rewards Card
  • Petron BPI Card
  • Platinum Rewards Card
  • Signature Card
  • BPI Amore Visa Prepaid
  • ePay Mastercard
  • ePay Visa
  • Robinsons Bank Debit Cards
  • Simple Savings Card
  • Robinsons Bank Visa Debit Card
  • Robinsons Bank Credit Cards
  • Robinsons Bank DOS Mastercard
  • Robinsons Cashback
  • Pru Life UK Classic
  • Pru Life UK Platinum

  Promo Mechanics:

  

  How to avail (Straight-Payment Transaction)

  •  Log on to your ZALORA account or sign up for an account.
  • Click “Shop Women” or “Shop Men” to begin.
  • Select the item/s you wish to purchase.
  • Select size and click “Add to Bag”.
  • Once finished, click “Checkout Now” to proceed.
  • Input customer information such as name, phone number, and delivery address.
  • Select “Credit/Debit Card” as payment method, then add your participating BPI Credit Card’s information.
  • Click “Have a promo code? Enter it here”.
  • Enter the promo code then click “Apply”. Discount will be automatically deducted from the sub-total once the cardholder uses his BPI Credit Card.
  • Click “Order Now” to finalize order.

  How to avail (Real 0% Online SIP) 

  • On the checkout page, fill in the required details.
  • Select “BPI Special Installment Plan” as your preferred payment option.
  • Cardholder selects the Payment Type, if “Real 0% Installment”, or “Real 0% Installment with Buy Now Pay Later.
  • Select your preferred payment term (3 or 6 months). The total amount and monthly amortization will reflect on the screen, then click “Place Order”.
  • You will be redirected to Order and Payment Information. Tick “I agree” in terms and conditions, then “Proceed”.
  • Enter your BPI Credit Card details to complete the transaction.
  • You will receive a confirmation email from ZALORA.

  Also Read: All BPI Credit Card Promos This 2024

  Back to top

  Metrobank Shopping Credit Card Promos for Shopping in 2024

  

  25% OFF AT MITSUKOSHI BEAUTY

  Promo Period

  December 1 to 31, 2024

  Eligible Cards: 

  • Metrobank Titanium Mastercard
  • Metrobank Platinum Mastercard
  • Metrobank Toyota Mastercard
  • Metrobank M Free Mastercard
  • Metrobank World Mastercard
  • Metrobank Travel Platinum Visa
  • Metrobank Rewards Plus Visa
  • Metrobank Cashback Visa
  • Metrobank Femme Signature Visa

  Important Notes:

  • 25% OFF at Mitsukoshi Beauty for a minimum spend of PHP 5,000 in-store and up to PHP 2,500 OFF for at least PHP 10,000 spend.

  Promo Mechanics:

  • The Promo is applicable to all Metrobank Peso Visa / Mastercard, Metrobank Vantage Visa / Mastercard, M Free Mastercard, Titanium Mastercard, Platinum Mastercard, World Mastercard, PSBank Credit Mastercard, NCCC Mastercard, Toyota Mastercard, Rewards Plus Visa, Femme Visa, Femme Signature Visa, Cashback Visa, Travel Platinum Visa in good standing only. The promo is not applicable to ON Virtual Mastercard, Metrobank Dollar Mastercard, Metrobank PRIME, Elite, Premier + Debit, Prepaid cards and YAZZ Prepaid Visa.
  • Promo period is from December 1 to 31, 2024.
  • Offer: 25% OFF at Mitsukoshi Beauty for a minimum spend of PHP 5,000 in-store and up to PHP 2,500 OFF for at least PHP 10,000 spend.
  • Mitsukoshi Beauty is located at the Ground Floor, Mitsukoshi BGC, 8th Ave COR 36th Street, North Bonifacio, Taguig City.
  • Only straight transactions are qualified for this promo.
  • Each cardholder can only avail of the offers once per day only.
  • The minimum purchase requirement is defined as net of all applicable discounts.
  • Splitting of transaction for the purpose of availing multiple discounts is prohibited. Splitting of transaction is defined as an intentional act of dividing a merchant transaction into multiple charge slips to redeem more than one reward incentive.
  • The promo is non-cumulative, non-transferrable, cannot be exchanged for cash or other products and cannot be used in conjunction with any other discounts, promotions, fixed priced items, unless otherwise provided.
  • Metrobank reserves the right to disqualify a previously approved transaction that was cancelled or charged back within the program period. Should the cardholder receive the offer but was later on deemed unqualified for not meeting the requirements of the offer due to disputes arising from erroneous, invalid, fraudulent or unauthorized transactions, the cost of the incentive and shall be charged by Metrobank to the cardholder’s credit card account.
  • The terms and conditions governing the issuance of Metrobank Credit Cards, reminders and other provisions contained in the card carrier, statement of account, charge slips and other documents or instruments, which are made an integral part hereof by reference, shall likewise be resorted to in instances where they are applicable in this Promo.
  • Any dispute concerning the products or services related to the promo shall be settled directly between the cardholder and Mitsukoshi Beauty or Mitsukoshi Fresh with the concurrence of the DTI. Mitsukoshi Beauty and Mitsukoshi Fresh agree to hold Metrobank free and harmless from any liability in the event of such dispute.
  • In case of dispute in respect of Metrobank only and the cardholder’s availment of the promo, the decision of Metrobank, with the concurrence of the DTI, shall be considered final.
  • By joining or availing of this promo, the cardholder confirms that he/she has read, understood and agreed to the promo mechanics and its terms & conditions.

  25% OFF AT MITSUKOSHI FRESH

  Promo Period

  December 1 to 31, 2024

  Eligible Cards

  • Metrobank Titanium Mastercard
  • Metrobank Platinum Mastercard
  • Metrobank Toyota Mastercard
  • Metrobank M Free Mastercard
  • Metrobank World Mastercard
  • Metrobank Travel Platinum Visa
  • Metrobank Rewards Plus Visa
  • Metrobank Cashback Visa
  • Metrobank Femme Signature Visa

  Important Notes: 

  • 25% OFF at Mitsukoshi Fresh for a minimum spend of P5,000 in-store and up to P2,500 OFF for at least P10,000 spend.

  Promo Mechanics

  • The Promo is applicable to all Metrobank Peso Visa / Mastercard, Metrobank Vantage Visa / Mastercard, M Free Mastercard, Titanium Mastercard, Platinum Mastercard, World Mastercard, PSBank Credit Mastercard, NCCC Mastercard, Toyota Mastercard, Rewards Plus Visa, Femme Visa, Femme Signature Visa, Cashback Visa, Travel Platinum Visa in good standing only. The promo is not applicable to ON Virtual Mastercard, Metrobank Dollar Mastercard, Metrobank PRIME, Elite, Premier + Debit, Prepaid cards and YAZZ Prepaid Visa.
  • Promo period is from December 1 to 31, 2024.
  • Offer: 25% OFF at Mitsukoshi Fresh for a minimum spend of PHP 5,000 in-store and up to PHP 2,500 OFF for at least PHP 10,000 spend.
  • Mitsukoshi Fresh is located at Basement 1, Mitsukoshi BGC, 8th Ave COR 36th Street, North Bonifacio, Taguig City.
  • Only straight transactions are qualified for this promo.
  • Each cardholder can only avail of the offers once per day only.
  • The minimum purchase requirement is defined as net of all applicable discounts.
  • Splitting of transaction for the purpose of availing multiple discounts is prohibited. Splitting of transaction is defined as an intentional act of dividing a merchant transaction into multiple charge slips to redeem more than one reward incentive.
  • The promo is non-cumulative, non-transferrable, cannot be exchanged for cash or other products and cannot be used in conjunction with any other discounts, promotions, fixed priced items, unless otherwise provided.
  • Metrobank reserves the right to disqualify a previously approved transaction that was cancelled or charged back within the program period. Should the cardholder receive the offer but was later on deemed unqualified for not meeting the requirements of the offer due to disputes arising from erroneous, invalid, fraudulent or unauthorized transactions, the cost of the incentive and shall be charged by Metrobank to the cardholder’s credit card account.
  • The terms and conditions governing the issuance of Metrobank Credit Cards, reminders and other provisions contained in the card carrier, statement of account, charge slips and other documents or instruments, which are made an integral part hereof by reference, shall likewise be resorted to in instances where they are applicable in this Promo.
  • Any dispute concerning the products or services related to the promo shall be settled directly between the cardholder and Mitsukoshi Beauty or Mitsukoshi Fresh with the concurrence of the DTI. Mitsukoshi Beauty and Mitsukoshi Fresh agree to hold Metrobank free and harmless from any liability in the event of such dispute.
  • In case of dispute in respect of Metrobank only and the cardholder’s availment of the promo, the decision of Metrobank, with the concurrence of the DTI, shall be considered final.
  • By joining or availing of this promo, the cardholder confirms that he/she has read, understood and agreed to the promo mechanics and its terms & conditions.

  

  10% OFF AT MAC COSMETICS

  Promo Period

  November 15, 2024 to January 31, 2025

  Eligible Cards

  • Metrobank Peso Visa/Mastercard
  • Metrobank Vantage Visa/Mastercard
  • M Free Mastercard
  • Titanium Mastercard
  • Platinum Mastercard
  • World Mastercard
  • PSBank Credit Mastercard
  • Toyota Mastercard
  • Robinsons Mastercard
  • Rewards Plus Visa
  • Femme Visa
  • Femme Signature Visa
  • Cashback Visa
  • Travel Platinum Visa
  • Metrobank Prime Debit
  • Metrobank Prepaid cards

  Important Notes

  10% OFF for every purchase of any full-sized MAC foundation at MAC Cosmetics

  Promo Mechanics

  • This promo is available at all MAC Cosmetics branches nationwide.
  • To avail the promo, the cardholder must charge the total purchase amount to his/her qualified Metrobank card through the hotel’s Point-Of-Sale Terminal.
  • For inquiries, please visit the MAC Cosmetics website.
  • The promo is non-transferable, non-cumulative, cannot be exchanged for cash or other products and cannot be used in conjunction with any other discounts, promotions, fixed price items, unless otherwise provided.
  • The discount under this promo is not convertible to cash or cannot be exchanged for any other items.

  10% OFF AT GUESS

  Promo Period

  November 3, 2024 to January 31, 2025

  Eligible Cards

  • Metrobank Peso Visa/Mastercard
  • Metrobank Vantage Visa/Mastercard
  • M Free Mastercard
  • Titanium Mastercard
  • Platinum Mastercard
  • World Mastercard
  • PSBank Credit Mastercard
  • Toyota Mastercard
  • Robinsons Mastercard
  • Rewards Plus Visa
  • Femme Visa
  • Femme Signature Visa
  • Cashback Visa
  • Travel Platinum Visa

  Important Notes

  Get 10% OFF for a minimum single-receipt purchase of PHP 5,000 at GUESS

  Promo Mechanics

  • Promo is applicable to straight, 0% installment up to 3 months and Shop Now, Pay Later payment terms. Cardholders can avail of the discount, 0% installment or Shop Now, Pay Later in a single transaction.
  • The discount is available in all GUESS branches nationwide. 0% installment and Shop Now, Pay Later is applicable in select branches only.

  10% OFF AT MARHEN.J

  Promo Period

  November 3, 2024 to January 31, 2025

  Eligible Cards

  • Metrobank Peso Visa/Mastercard
  • Metrobank Vantage Visa/Mastercard
  • M Free Mastercard
  • Titanium Mastercard
  • Platinum Mastercard
  • World Mastercard
  • PSBank Credit Mastercard
  • Toyota Mastercard
  • Robinsons Mastercard
  • Rewards Plus Visa
  • Femme Visa
  • Femme Signature Visa
  • Cashback Visa
  • Travel Platinum Visa
  • Metrobank Prime Debit and Prepaid cards

  Important Notes

  Get 10% OFF on all regular-priced Marhen.J items using their Metrobank Credit, Debit and Prepaid Cards

  Promo Mechanics

  • The promo is available at Marhen.J 2/F Eastside, Trinoma Mall, EDSA corner North Avenue, Quezon City. For inquiries, contact 09671134003 send an e-mail to marhen.j.ph@gmail.com.
  • The promo is non-transferable, non-cumulative, cannot be exchanged for cash or other products and cannot be used in conjunction with any other discounts, promos, fixed price items, unless otherwise provided.
  • In the purchase of goods and services which are subject of this promo, senior citizens or persons with disability (PWD) can either avail of the promo or the discount provided under the Expanded Senior Citizens Act 2010 or Magna Carta for Persons with Disability, whichever is higher, if applicable.

  10% OFF AT PEAK SPORT

  Promo Period

  November 3, 2024 to January 31, 2025

  Eligible Cards

  • Metrobank Peso Visa/Mastercard
  • Metrobank Vantage Visa/Mastercard
  • M Free Mastercard
  • Titanium Mastercard
  • Platinum Mastercard
  • World Mastercard
  • PSBank Credit Mastercard
  • Toyota Mastercard
  • Robinsons Mastercard
  • Rewards Plus Visa
  • Femme Visa
  • Femme Signature Visa
  • Cashback Visa
  • Travel Platinum Visa
  • Metrobank Prime Debit and Prepaid cards

  Important Notes

  Qualified cardholders can get 10% OFF on all regular-priced Peak Sports

  Promo Mechanics

  • The promo is available at the following Peak Sports branches:
    • Acienda Outlet Mall, Cavite
    • AyalaMalls One Ayala, Makati
    • AyalaMalls Trinoma, Quezon City
    • Ever Gotesco, Commonwealth
    • Farmers Plaza, Cubao
    • Festival Mall, Filinvest
    • Riverbanks, Marikina
    • Robinsons Place Manila
    • Tutuban Center, Manila
  • For inquiries, contact 09178854386.
  • The promo is non-transferable, non-cumulative, cannot be exchanged for cash or other products and cannot be used in conjunction with any other discounts, promos, fixed price items, unless otherwise provided.
  • In the purchase of goods and services which are subject of this promo, senior citizens or persons with disability (PWD) can either avail of the promo or the discount provided under the Expanded Senior Citizens Act 2010 or Magna Carta for Persons with Disability, whichever is higher, if applicable.

  Also Read: All The Metrobank Credit Card Promos This 2024

  Back to top

  HSBC Credit Card Promos for Shopping in 2024

  

  JINIO CHRISTMAS OFFER

  Promo Period

  December 1 to December 24, 2024

  Eligible Cards

  • HSBC Visa Classic, HSBC Mastercard Classic, HSBC Red Mastercard, HSBC Gold Visa, HSBC Gold Mastercard, HSBC Advance Visa, HSBC Premier Mastercard and HSBC Platinum.

  Important Notes: 

  • 20% OFF shipping fees (electronics and non-electronics) from US to PH with a minimum spend of USD60.
  • Use one-time code: HSBCJINXMAS
  • Offer includes:
  • FREE US mailing address
  • FREE parcel minification
  • FREE consolidation and Track & Trace
  • Sign up and shop now via jinio.com.ph

  Promo Mechanics:   

  • This offer is open to all HSBC credit cardholders whose cards are issued in the Philippines (“Cardholder/s”) and are in good credit standing during the Promo Period in accordance with HSBC Terms and Conditions. For the avoidance of doubt, a card is in good credit standing if there is no reason for HSBC to restrain, suspend, cancel, withdraw or terminate the card pursuant to the HSBC Card Terms and Conditions as well as Legal and Regulatory Compliance Policy considerations.
  • Accepted cards are as follows: HSBC Visa Classic, HSBC Mastercard Classic, HSBC Red Mastercard, HSBC Gold Visa, HSBC Gold Mastercard, HSBC Advance Visa, HSBC Premier Mastercard and HSBC Platinum. Debit and Corporate cards are excluded from the promo.
  • Cardholders must settle payment with their HSBC credit card to enjoy the offer. 
  • The offer cannot be used in conjunction with any other discounts, promotions and discounted items, unless specified. 
  • The offer is non-transferable.
  • In the purchase of goods and services which are on promotional discount, the senior citizen can avail of the promotional discount or the provided under the Expanded Senior Citizens Act of 2010 whichever is higher.
  • The offer cannot be exchanged for cash or other products.
  • HSBC is not a supplier of the products and services for the offer and accepts no liability for the quality of goods and services provided by the Merchant involved in this promotion.
  • The offer is bound by the terms and conditions stipulated by HSBC and the Merchant.
  • In case of dispute with respect to the cardholder’s eligibility, coverage of dates, fulfillment, etc., HSBC’s decision shall prevail. The complainant has recourse with DTI.

  

  
  
  

  20% OFF OR PHP200 AT FLOWERSTORE

  Promo Period

  February 16, 2024 – December 31, 2024

  Eligible Cards

  • HSBC Visa Classic, HSBC Mastercard Classic, HSBC Red Mastercard, HSBC Gold Visa, HSBC Gold Mastercard, HSBC Advance Visa, HSBC Premier Mastercard and HSBC Platinum

  Important Notes

  Use the Promo Code HSBC20 to get 20% off or PHP200 (whichever is lower), and free shipping nationwide when you shop at the Flowerstore.ph app during the Promo Period

  Promo Mechanics

  • Promo Code is valid for multiple use per account for the duration of the Promo Period.
  • Cardholders must settle payment with their HSBC credit card to enjoy the Offer.
  • The Offer cannot be used in conjunction with any other discounts, promotions and discounted items, unless specified.
  • The Offer is non-transferable.
  • The Offer cannot be exchanged for cash or other products

  

  PHP200 OFF AT ZALORA

  Promo Period

  October 15, 2024 to December 31, 2024

  Eligible Cards

  HSBC Visa Classic, HSBC Mastercard Classic, HSBC Red Mastercard, HSBC Gold Visa, HSBC Gold Mastercard, HSBC Advance Visa, HSBC Premier Mastercard, HSBC Platinum, and HSBC Live+

  Important Notes

  • New Customers: Use one-time code HSBC2024 to get PHP200 OFF with minimum spend requirement of PHP3,000 on your first order. Promo code can be availed with other ZALORA’s promotions.
  • Existing Customers: Use code HSBC2024 to enjoy up to PHP149 OFF on shipping fee for a minimum spend of PHP850. Promo code is valid for multiple use per account.

  Promo Mechanics

  • Excluded brand and category are listed here: www.zalora.com.ph/faq-non-sale
  • Cardholders must settle payment with their HSBC credit card to enjoy the Offers.
  • The Offers cannot be used in conjunction with any other discounts, promotions and discounted items, unless specified.
  • The Offers are non-transferable.

  Back to top

  Also read:
  The SPOT.ph Guide to Credit Cards
  Dine Out With These Restaurant Credit Card Promos in August 2024
  Essential Travel Credit Card Promos for August 2024

  Hey, Spotters! Check us out on Viber to join our Community and subscribe to our Chatbot.