Holiday Spending Made Flexible with 0% Transaction Conversion

PROMO MECHANICS 

 

​Eligibility​

The 0% Transaction Conversion Promo (“promo”) is open to select existing Chinabank Cardholders (“cardholder”) in good credit standing who received a promotional SMS and EDM (“eligible cardholder”).​

Promo Period​

October 16 to December 15, 2026​

Offer​

The promo allows eligible cardholders to convert his/her purchase/s to fixed monthly installments for a minimum single-receipt transaction amount at zero % add-on rate for 3 months.​

How to avail​

   • Eligible cardholder will receive communications via SMS/Viber and Email that their recent single-receipt transaction is qualified for the 0% Transaction Conversion promo.​

   • To avail, cardholder must call the Telesales hotline at (02) 5322-9175 from 8am to 5pm daily.​

   • No processing fee shall be charged to the cardholder for every approved 0% Transaction Conversion application.

Other Terms & Conditions​

   • The approved Transaction Conversion amount must be within the Cardholder’s available credit limit at the time of request.​

   • Approved 0% Transaction Conversion applications shall not earn rewards points or cashbacks.​

   • Combining transactions to reach the required minimum amount to qualify for a Transaction Conversion is not allowed.​

   • Eligible cardholder may avail of multiple 0% Transaction Conversions, provided that each single-receipt transaction meets the required amount.​

   • Only straight retail transactions posted within the last thirty (30) days at the time of the Transaction Conversion application or reflected in the Statement of Account (SOA) for the first time are eligible for the promo. Transactions that have formed part of the cardholder’s revolving balance are no longer eligible for conversion.​

   • The card must be activated, current, not past due or delinquent. Overlimit, past due, and accounts with collection issues are not eligible for 0% Transaction Conversion.​
   • The following transactions are excluded from the 0% Transaction Conversion Promo:

       - Quasi-cash transactions (e.g. deposit/e-wallet accounts funding, gaming transactions, government transactions, etc.)​

       - Installment transactions (e.g. Merchant Installment, Balance Transfer, Balance Conversion, Cash Installment, and Transaction Conversion)​

       - Utilities (e.g. electricity, phone/mobile, internet, water, etc.)​

       - ATM transactions (e.g. cash advance, payments, etc.)​

       - Fees and charges​

       - Pre-terminated installment transactions

   • Foreign currency transactions converted to PHP using the Mastercard or Visa exchange rate on the transaction posting date are eligible for the 0% Transaction Conversion promo.​

   • The amount to be converted to installment must be the full amount of the transaction.​

   • The 0% Transaction Conversion shall be processed within three (3) business days from the receipt of the application.​

   • The first monthly amortization of the approved 0% Transaction Conversion amount shall be immediately posted on the cardholder’s Statement of Account (SOA) upon approval of the application. Thereafter, the approved 0% Transaction Conversion amount shall be posted in equal and successive monthly installments commencing on the cardholder’s next billing date until the amount is paid in full.

   • In the even of pre-termination or cancellation of the 0% Transaction Conversion prior to the completion of the payment term, a pre-termination equivalent to 5% of the remaining unpaid installment balance or ₱500, whichever is higher, shall be charged to the cardholder. The outstanding unbilled portion of the principal amount plus the pre-termination fee shall be billed as a regular straight transaction and posted in the next billing statement.​

   • The use of the Chinabank credit card in connection with the 0% Transaction Conversion Promo is subject to the Terms and Conditions governing the issuance and use of Chinabank credit cards.​

   • By availing of the 0% Transaction Conversion promo, the cardholder confirms having read, understood, and agreed to the promo’s terms and conditions.​

   • For general concerns on the promo or your Credit Card account, please call Chinabank’s Customer Service Hotline at +632 888-55-888 or email creditcards@chinabank.ph.​

 

*Cardholders in good credit standing refers to accounts that are active and current and not blocked, delinquent or past due, not under any collections repayment program or special installment, not under investigation due to suspected fraudulent activities, or those whose Credit Cards are not reported lost or stolen, and those who have not otherwise, violated any of the Terms and Conditions Governing the Issuance and Use of the China Bank Credit Cards.

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Per DTI Fair Trade Permit No. FTEB-270209 Series of 2026.

 

For concerns, call China Bank's Customer Service 24/7 Hotline at +632 888-55-888. China Bank is regulated by the Bangko Sentral ng Pilipinas (BSP) with e-mail address consumeraffairs@bsp.gov.ph. BSP Online Buddy (BOB) may be accessed via BSP Webchat (http://www.bsp.gov.ph/), SMS (021582277 for Globe subscribers only), and Facebook (https://www.facebook.com/BangkoSentralngPilipinas/).