Watsons Philippines – Installment FAQs

 2. Who can avail of the IPP offer?

BDO, BPI, and UnionBank Credit Cardholders (Principal or Supplementary) with active cards under Mastercard, Visa, JCB, American Express, Diners Club, or UnionPay are eligible to avail of the 3-month installment plan at 0% interest for online transactions. Corporate, Distribution, and Purchasing Cards are excluded.

3. What is the minimum purchase requirement?

To avail of the 3-month installment offer online, the minimum single-receipt purchase must be ₱3,000.

4. When is the first installment billed?

The first installment is charged immediately upon checkout and will appear on your next billing statement. The remaining two installments will be billed in the next succeeding months or billing statements.

5. Can I avail this offer when I purchase from Watsons’ physical stores?

For Watsons physical stores nationwide, only BDO Credit Cards are eligible to the BNPL Program, subject to the following terms and conditions:

• For the 3-month installment plan at 0% interest to apply, single-receipt purchase must be at least₱3,000;

• For the 3-month installment plan to apply, subject to regular rate with interest, single-receipt purchase must be at least₱3,000;

• For the 6-month installment plan to apply, subject to regular rate with interest, single-receipt purchase must be at least ₱3,000.

Please note that BPI and UBP installment offers are currently available for online purchases only. Customers are encouraged to watch for future announcements regarding availability in physical stores

6. Can I pay off the remaining balance early?

For concerns regarding early settlement of your remaining balance, including any applicable fees or conditions, please reach out directly to your bank.

7. Will this affect my credit limit?

Yes. The full purchase amount will be deducted from your available credit limit upon transaction approval.

8. What happens if I miss a payment?

Failure to pay the monthly installment in full may result in interest, penalties, and/or other charges as per the bank’s credit card terms.

9. Can I combine the Installment Payment Program with other promos or discounts?

Yes, the IPP can be availed alongside Watsons in-store or online promotions, provided the final amount meets the ₱3,000 minimum requirement.

10. What does “Buy Now, Pay Later” mean when I pay online?

“Buy Now, Pay Later” (BNPL) at Watsons refers to our Installment Payment Program (IPP) available for online purchases using select credit cards. While the payment gateway may display “BUY NOW, PAY LATER,” this is simply a header and does not mean the payment starts next month.

11. What do I do if I want to cancel my order?

For policy on cancellations, please refer to this link: Cancellation Policy | Watsons Philippines

12. What do I do if I want to return or refund my order?

For our returns and refunds policy, please refer to this link: Return & Refund | Watsons Philippines

For more details on the installment plans, please refer to your banks’ respective Terms and Conditions by following the links below, before proceeding with your purchase:

BDO https://www.deals.bdo.com.ph/

BPI https://www.bpi.com.ph/credit-cards/promos

UnionBank https://www.unionbankph.com/ubinstallment

Watsons Philippines –Installment Terms & Conditions

1. Eligibility

Open to all active Principal and Supplementary BDO/BPI/UnionBank Credit Cardholders (Mastercard, Visa, JCB, American Express, Diners Club, and UnionPay). Corporate, Distribution, and Purchasing Cards are not eligible.

2. Offer Details

The first installment is charged upon checkout and will appear on the next billing statement.

For Watsons online:

• For the 3-month installment plan at 0% interest to apply, single-receipt purchase must be ₱3,000

For Watsons physical stores nationwide (applicable to BDO only):

• For the 3-month installment plan at 0% interest to apply, single-receipt purchase must be ₱3,000.

• For the 3-month installment plan to apply, subject to regular rate with interest, single-receipt purchase must be ₱3,000.

• For the 6-month installment plan to apply, subject to regular rate with interest, single-receipt purchase must be ₱3,000.

The first installment is charged upon checkout and will appear on the next billing statement.

3. Availability

BPI and UBP installment offers are currently available for online purchases only. Customers are encouraged to watch out for future announcements regarding availability in physical stores. BDO Installment offers are available in Watsons online and Watsons stores nationwide.

4. Credit Limit Usage

The full transaction amount will be deducted from the cardholder’s available credit limit at the time of purchase.

5. Early Settlement

For concerns regarding early settlement of your remaining balance, including any applicable fees or conditions, please reach out directly to the bank’s Customer Support.

6. Payment Responsibility

Cardholders must pay the monthly installment in full and on time to maintain the 0% interest benefit. Late or partial payments may incur interest charges and penalties as per standard credit card terms.

7. Promo Combinations

IPP may be combined with other Watsons promotions, provided the final amount meets the ₱3,000 minimum requirement.

8. Changes and Termination

Watsons and the bank reserve the right to modify or terminate the IPP offer at any time without prior notice, subject to applicable laws and regulations.

For more details on the installment plans, please refer to your banks’ respective Terms and Conditions by following the links below, before proceeding with your purchase:

BDO https://www.deals.bdo.com.ph/

BPI https://www.bpi.com.ph/credit-cards/promos

UnionBank https://www.unionbankph.com/ubinstallment