1. FLY NOW, PAY LATER is open to all active Principal and Supplementary Credit Cardholders of BDO Mastercard, Visa, JCB, Diners Club, UnionPay and BDO-issued American Express Cardmembers and applicable to Philippine Peso transactions.
2. The following transactions are not eligible for FLY NOW, PAY LATER:
   1. All online booking transactions across all travel partners.
   2. Ticket office transactions from the following travel partners:
      • Asiana Airlines transactions using Mastercard, Visa, or UnionPay cards
      • Starlux using UnionPay cards
   3. BDO Corporate Cards, Distribution Cards and Purchasing Cards

3. Qualified BDO Credit Cardholders may avail of these FLY NOW, PAY LATER:

   • 0% interest on 3 months term or
   • As low as 0.70% monthly add-on rate from 6 months up to 36 months term

   Note: Corporate Cards, Distribution Cards, and Purchasing Cards are not qualified to avail of the FLY NOW, PAY LATER facility.

4. The first monthly installment of a transaction under the FLY 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.

   Statement Cut-off Date	Purchase Date	June 24	July 24	1st Monthly Installment Payment Due Date (+25 days)
   Every 24th of the month	June 24	1st monthly installment is billed	2nd monthly installment is billed	July 19
   	June 25 - July 14	N/A	1st monthly installment is billed	August 18

5. Qualified cardholders may avail of the FLY NOW, PAY LATER Zero Percent (0%) interest for a minimum purchase worth P3,000, subject to minimum purchase agreement with partner merchant.

   Note: Philippine Airlines minimum amount is P20,000.

6. Partner Merchant, has the sole discretion on the term/s applicable for the Zero Percent (0%) offering.
7. Zero Percent (0%) interest is applicable if the cardholder pays his / her monthly installment in full.

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

   Term	Factor Rate	Add-on Rate Per Month	Effective Rate per Annum
   3	0.343338077	1.00%	17.92%
   6	0.176667651	1.00%	20.29%
   9	0.118615800	0.75%	15.93%
   12	0.090333829	0.70%	15.16%
   18	0.063059857	0.75%	16.43%
   24	0.049168817	0.75%	16.43%
   36	0.037777833	1.00%	21.20%

   Sample Computation:
   Total Transaction Amount: P10,000
   Installment Term: 12 months

   Formula:
   Transaction Amount x Factor Rate = Fixed Monthly Amortization
   P10,000 x 0.090333829 = P903.34

9. 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 FLY NOW, PAY LATER 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 pertinent BDO Credit Card. After BDO has approved the Cardholder’s request to charge the full amount of the remaining unbilled monthly amortizations on the FLY NOW, PAY LATER transaction, 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.

Per DTI Fair Trade Permit Nos. FTEB-195744 & 195929 Series of 2024