ZION Philippines expands holiday wellness financing through BDO program

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ZION holiday wellness financing

Highlights

ZION Philippines applies BDO's Buy Now, Pay Next Year offer for wellness purchases of P100,000 and above, deferring first installments until the fourth statement cut-off.
BDO's holiday financing promotion runs until Dec. 31, 2026, with eligible cardholders accessing 0% installment terms up to 24 months, subject to participating merchant approval.
The payment deferral targets households making larger wellness investments, allowing cost distribution into 2027 and aligning with ZION's other seasonal promotional incentives.

Holiday financing terms for wellness purchases

As reported by BusinessWorld Online, ZION Philippines is applying BDO's Buy Now, Pay Next Year offer to purchases worth P100,000 and above, allowing qualified cardholders to defer the first monthly installment by several statement cycles.

Under BDO's current holiday campaign, eligible transactions can use a pay-four-months-later arrangement, with the first installment reflected on the fourth statement cut-off from the transaction date. The promotion runs until Dec. 31, 2026, while final installment terms remain subject to participating merchant terms and BDO approval.

Selected massage chairs, saunas, cold plunge systems, and qualifying wellness combinations can meet the minimum purchase threshold. Qualified cardholders may also access 0% installment terms of up to 24 months under participating offers, though the exact tenor and eligible products need to be confirmed with ZION Philippines before purchase.

Budget planning and household demand

The offer targets consumers weighing larger shared household purchases during the holiday season rather than smaller short-term gifts. By shifting the start of payments into 2027, buyers can have products delivered and installed while spreading the budget impact beyond year-end spending.

ZION says the arrangement works alongside its other seasonal promotions, which can include promotional pricing, installment plans, trade-in options, and other purchase incentives depending on the product selected. For households already planning a wellness investment, the financing structure gives another route to secure a higher-ticket purchase without concentrating the full cost during the holidays.

In our earlier article on Philippine e-commerce payment trends, we noted that cash-on-delivery still makes up a sizable share of online transactions even as digital payments expand. The report highlighted that many shoppers abandon purchases if their preferred payment method isn’t available, pushing merchants to offer flexible payment choices while improving checkout security as real-time payments grow.

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