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Promo Mechanics

  1. The Promo/Selling Period is from June 2-4, 2023.
  2. Travel Period is form June 2, 2023 - May 31, 2024, unless specified.
  3. Promo Offer: Enjoy exclusive fares with your BDO Credit & Debit Cards.

    Plus, avail of FLY NOW, PAY LATER at 0% interest on 3 months term and pay 3 months later with your BDO Credit Card. Applicable to Philippine Peso credit card transaction and at the on-ground event only.

  4. The promo is open to the following:
    • All active Principal and Supplementary Credit Cardholders of BDO Mastercard, Visa, JCB, Diners Club, UnionPay, and BDO-issued American Express Card members
    • All active BDO Debit Cardholders (Mastercard and Visa)

    All active Principal and Supplementary Credit Cardholders and Debit Cardholders are referred to as "Qualified Cardholders".

  5. Qualified Cardholders are entitled to avail of exclusive discounts on airline fares and/or travel tours and packages from participating airlines and/or travel agency partners if transactions are settled using the following:
    • Qualified BDO Credit Card or Debit Card for straight payment
    • FLY NOW, PAY LATER with 2 months billing holiday at 0% interest on 3 months term or as low as 0.70% add-on rate for 6 months term and longer through a qualified BDO Credit Card, applicable to Philippine Peso transactions only.

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

  6. Promo can be availed through the following channels:

    Online: https://www.jal.co.jp/world/en/world/business-on-web/index.html and use details below:

    1. Click “Find Flights and Book”
    2. Input the Company ID: PH966698 and Customer Number: 461650

    On Ground: SMX Convention Center Aura, SM Aura Premier, 10 am to 8 pm

  7. Discount is only applicable to base fare. Fares quoted are exclusive of all taxes and surcharges. Certain passenger types may be exempt from paying the Philippine Travel Tax upon submission of required documentation prior to ticket issuance. For online ticket purchase, Philippine Travel tax may be settled separately at the airport. If eligible for exemption or discount, documents must be presented upon check in.
  8. All sectors must be confirmed upon ticket issuance.
  9. No complimentary hotel accommodations will be offered for long transit times between flights.
  10. Prevailing USD-PHP exchange rates at the time of ticketing shall apply on fares quoted in US Dollars.
  11. A copy of valid passport of the passenger may be required upon request of participating airlines.
  12. Offers are subject to terms and conditions of participating airlines and the BDO Terms and Conditions Governing the Issuance and Use of the BDO and American Express Credit Cards, and BDO Debit Cards.
  13. All BDO Credit Card transactions are subject to bank approval.
  14. Qualified Cardholders shall ensure they have the appropriate documentation to depart/enter/transit their destination and that they acknowledge the risk involved in traveling, including risks of delay as a result of COVID-19 pandemic. Participating airlines and BDO shall not be held responsible for any refund or any associated costs if Cardholder shall be denied entry to a country of transit or destination due to reasons such as incomplete document, travel restrictions or health protocols. For more information, Qualified Cardholders may visit the official website of the participating airlines.
  15. All questions or disputes regarding the BDO Cardholder’s eligibility for the promo or any redemption shall be resolved by BDO in concurrence with Department of Trade and Industry (DTI) and Civil Aeronautics Board (CAB).

FLY NOW, PAY LATER TERMS & CONDITIONS:

  1. The Promo is open to all active Principal and Supplementary Credit Cardholders of BDO (JCB and BDO-issued American Express Cardmembers) (“the Cardholders”). Corporate Cards, Distribution Cards and Purchasing Cards are not eligible for FLY NOW, PAY LATER transactions.
    Airline Partner CARD BRAND ACCEPTANCE FLY NOW, PAY LATER
    ON GROUND ONLINE ON GROUND ONLINE
    Japan Airlines Except UnionPay Except UnionPay Yes
    (JCB & Amex)    		 No
  2. Qualified BDO Credit Cardholders may avail of these FLY NOW, PAY LATER, applicable to Philippine Peso transactions:
    • 0% interest on 3 months term or
    • As low as 0.70% monthly add-on rate from 6 months up to 36 months term
    • Pay 3 months later
  3. The monthly installment due on FLY NOW, PAY LATER with Payment Holiday transactions, together with the monthly interest and penalty charge (if any), will be billed to the Cardholder starting on the third (3rd) statement cycle after the original transaction date and every month thereafter until the total amount payable is paid in full.

    Sample FLY NOW PAY LATER with Payment Holiday payment schedule:

    Statement Cut-off Purchase Date June 1 July 1 August 1 September 1 October 1 1st Installment payment due date (+25 days)
    Every 1st of the month June 2 N/A Billing Holiday Billing Holiday Cardholder is billed of 1st monthly installment Cardholder is billed of 2nd monthly installment September 26
  4. The entire FLY NOW, PAY LATER transaction amount together with interest (if any), as applicable, shall be deducted from the Cardholder's available credit limit.
  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 purchase 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 No. FTEB 166132 Series of 2023