Rustan’s Online Real 0% SIP
You can now pay online in Real 0% SIP at up to 24 months at Rustan’s with your BPI Credit Card.
Promo Highlights
Real 0% installment

Up to 24 months Real 0% SIP

Buy Now, Pay Later

Pay up to 90 days later when you buy now with your BPI Credit Card.

Promo Mechanics
Promo Mechanics

How to Avail

1. Visit Rustan’s website and select the items to be purchased.

2. Cardholder adds the preferred items to cart, proceed to checkout page and fills in required information.

3. On the checkout page, Cardholder selects “Payment” method.

4. Select “Pay via card installment” as payment option.

5. Click “Complete order” button.

6. You will be redirected to a Payment Gateway. Input your preferred installment type, installment term, and BPI Credit Card details.

7. Read the Terms and Conditions and tick “I agree”.

8. Select “BPI Special Installment Plan” to pay in installment with your BPI Credit Card.

9. Select the installment type: “BPI Real 0% Installment” or “BPI Real 0% Installment with Buy Now Pay Later”.

10. Select payment term of 3, 6, 12, or 24 months. Your monthly amortization reflects on the screen.

11. Fill in the required information on your card details.

12. Click “Pay Now”.

13. You will receive a confirmation email from Merchant.

Program Mechanics

1. The Promo is open to all BPI cardholders in good standing with any of the following participating cards:

BPI Credit Card:

  • eCredit Mastercard
  • Blue Mastercard
  • Visa Signature Card
  • Gold Mastercard
  • Petron-BPI Mastercard
  • Edge Mastercard
  • Corporate Mastercard
  • Amore Platinum Cashback Card
  • Platinum Rewards Mastercard
  • Amore Cashback Card
  • BPI Family Credit Card

2.  BPI Cardholders are entitled to avail of Real 0% Installment Program. This allows Cardholders to avail of up to 24 months Real 0% installment at Merchant.

3. The Cardholder shall review and agree to be bound by the terms and conditions of the Special Installment Plan (SIP):

Terms and Conditions

a. The SIP Real 0% installment terms available for a minimum single-receipt purchase requirement:

Spend Requirement


Minimum Spend Amount

3 months

Php 3,000

6 months

Php 10,000

12 months

Php 20,000

24 months

Php 50,000

b. The installment terms may be available on all regular priced items. Sale and/or promotional items may not be included.

c. All installment transactions are subject to BPI’s approval.

d. Cardholder can choose to avail of the other SIP features:

Buy Now Pay up to 3 months Later
First monthly amortization will be posted to the BPI Credit Cardholder’s account up to 3 months later from date of purchase. Succeeding amortizations shall be billed every month thereafter until full transaction amount is paid in full.

e. Should the Credit Cardholder decide to terminate the SIP transaction prior to the first billing, BPI will charge an early termination fee of Php 550 plus an additional 2% on the principal amount. If pre-termination is done after 1st billing, the early termination fee is Php 550. The monthly payment shall first be applied to the interest charges then to principal amount using the diminishing balance method.

4. To qualify for the Program, the Cardholder must use his or her Participating BPI Card to pay for his or her purchases at the Participating Merchant.

5. Any dispute concerning the products and/or services related to the Program shall be settled directly between the Cardholder and Merchant.

6. The terms and conditions governing the issuance of BPI Cards, reminders and other provisions contained in card carrier, statement of account, charge slips and other documents or instruments, which are made an integral part hereof by reference, shall likewise be resorted to in instances where they are applicable in this Program campaign.  

You may also visit any Rustan’s Department Store near you to avail of Real 0% SIP.

Customer Support


For inquiries, you may send an email to or live chat via from Mon-Fri (9AM-6PM except holidays).


For inquires and comments, send us a message or call our 24-hour BPI Contact Center at ‎(+632) 889-10000.

Related Information

Real 0% SIP is now available online

Enjoy up to 24 months Real 0% SIP at select merchants nationwide with your BPI Credit Card.

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Real 0% SIP at Rustan’s

Enjoy up to 24 months Real 0% SIP at Rustan’s branches nationwide with your BPI Credit Card.

Learn more