Audiophile SIP Online
Get up to 24 months Special Installment Plan at Audiophile with your BPI Credit Card.
Learn more
Promo Highlights
Real 0% SIP Online

Get up to 12 months Real 0% SIP Online with your BPI Credit Card.

SIP Monthly Add-on

Get up to 24 months SIP with low monthly add-on with your BPI Credit Card.

Promo Mechanics

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

BPI Credit Cards

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

2. BPI cardholders can avail of up to 12 months Real 0% SIP and SIP Monthly add-on for 18 to 24 months term at Merchant.

Real 0% installment termUp to 12 months Real 0% installment term on select items.

Low monthly add-on interest termTermsFactor RatesAdd-On Rate
18 months0.0655561.00%
24 months0.0516671.00%

Sample computation (using factor rate for 24-month term):

Price x factor rate        
Php 50,000.00 x 0.051667 = Php 2,583.35
Total Installment:  
Php 2,583.35 x 24 months = Php 62,000.40

How to Avail Online

a. Visit Audiophile's website and select the items to be purchased.
b. Add the preferred items to cart, proceed to check out page, and fill in required information.
c. Click the “Place Order” button.
d. You will be redirected to the Merchant’s Payment Gateway to input your preferred installment type, installment term, and BPI Credit Card details.
e. On the Merchant’s Payment Gateway page, tick “I agree” in terms and conditions.
f. Select “BPI Special Installment Plan” as the payment option.
g. Select the installment type “BPI Real 0% Installment” or “BPI SIP Monthly Add-on”

h. Select the Payment Term of up to 3, 6, 9, or 12 months for Real 0% SIP or 18 or 24 months for SIP with Monthly Add-on.
i. The monthly amortization will reflect on the screen.
j. Fill in the required information of your card details.
k. Click “Pay Now”.
l. You will receive a confirmation email from Merchant about your purchase.

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% and monthly add-on installment terms are available for a minimum single-receipt purchase requirement of Php 3,000.
b. The terms may be available for select items only.
c.  All installment transactions are subject to BPI approval.
d. Cardholder can also choose to avail of other SIP feature:

Up to 100% BONUS MADNESS LIMIT for qualified BPI Credit Cardholders
Subject to favorable credit history, qualified Credit cardholders will enjoy increased purchasing power with a bonus installment credit limit of up to 100% of their regular credit line. Approved installment transactions will automatically be deducted from the Madness limit. 100% Bonus Madness Limit is only applicable to installment transactions.
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 the 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.

Customer Support


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

Related Information

Light payment terms when you shop online

You can now shop online and pay in installment at 0% interest. Plus, you can also defer your payments with our Buy Now Pay Later option.

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