EXTENDED! Transfer your other credit card balance to your BankCom Credit Card and pay later at only 0.39% monthly add-on rate for 36 months!

(EXTENDED) Balance Transfer Now Pay Later
Program Mechanics

1. The Balance Transfer Now Pay Later Program is open to cardholders of Bank of Commerce Credit Card (“Cardholder”) whose accounts are active and current.
2. The Balance Transfer Now, Pay Later Promo (“Promo”) is from February 8, 2025 to July 31, 2025, extended until January 31, 2026 as approved by DTI-FTEB.
3. The Balance Transfer Now Pay Later Program allows the Cardholder to transfer outstanding credit card balance from another bank to Bank of Commerce Credit Card, which shall be payable in installments at the following interest rates:

Term	Minimum Amount	Monthly Add-On Rate	Factor Rate	Effective Interest Rate Per Annum
6	5,000	0.80%	0.1746667	16.27%
12	10,000	0.70%	0.0903333	15.16%
24	20,000	0.60%	0.0476667	13.27%
36	20,000	0.39%	0.0316778	8.74%

 

4. The Cardholder may avail of the Balance Transfer Now Pay Later Program if the other credit card is active and current at the time of application and is issued in the Philippines.
5. The balance to be transferred from another credit card must be equal to or less than the outstanding balance of the latest Statement of Account.
6. The Cardholder may apply for a Balance Transfer Now Pay Later Program on his outstanding balance from more than one (1) credit card, provided that the total payable amount is within the available credit limit at the time of application.
7. To apply, the Principal Cardholder must call Bank of Commerce Customer Care at (02) 86322265, or Domestic Toll-free numbers: (PLDT) 1-800-10-9826000 or (Globe Lines) 1-800-8-9826000 and submit a copy of the latest Statement of Account if the other credit card is issued by Banco de Oro or Land Bank of the Philippines. The application will be subject to evaluation and approval.
8. The Cardholder must continue to pay the Minimum Amount Due on the credit card applied for Balance Transfer Now Pay Later Program while the application is still in process.
9. If approved, Bank of Commerce shall issue a check equal to the approved Balance Transfer Now Pay Later Program amount and pay it at the nearest payment channel of the bank or credit card company. An Installment Processing Fee of PHP100 shall be charged to the cardholder’s account.
10. The first monthly installment due shall be billed to the credit cardholder on the second (2^nd) statement cycle from transfer date. The succeeding monthly installment due shall be billed each month thereafter, until the total payable amount is paid in full.
11. Approved Balance Transfer Now Pay Later Program applications can no longer be cancelled nor reversed.
12. Bank of Commerce may accommodate a cardholder’s request to pre-terminate the remaining unbilled monthly amortization on the Balance Transfer Now Pay Later Program installment transaction provided that the cardholder’s Total Outstanding Balance due for the applicable monthly billing cycle is paid in full. A Pre-Termination Fee of PHP1,000 shall be charged to the cardholder’s account. After Bank of Commerce has approved the cardholder’s request, the total accelerated amount and the corresponding fee shall form part of the Total Outstanding Amount due for the applicable monthly billing cycle.

Per DTI Fair Trade Permit No. FTEB-213056 Series of 2025