Our Home Promo
Enjoy extended and longer payment terms for up to 24 months Real 0% SIP on regular-priced, sale, and markdown items with your BPI Credit Card.
Promo Highlights
Extended & longer payment terms

Enjoy up to 24 months Real 0% SIP with your BPI Credit Card.

Buy Now, Pay Later

Upgrade today and pay 3 months later with your BPI Credit Card.

Bonus Madness Limit

Enjoy up to 100% additional credit limit for your installment purchases.

Program Mechanics

1. The Program is open to BPI Credit cardholders in good standing with any of the participating cards:

BPI Credit Cards

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

2. BPI Credit Cardholders are entitled to avail of Real 0% Special Installment Plan (SIP) Program. This allows Cardholders to avail of 3, 6, 12 and 24 months Real 0% SIP at Merchant.

*Extended payment term of 12 and 24 months Real 0% SIP is valid from July 1, 2022 to December 31, 2022. Applicable on all regular-priced items and sale and markdown items. Mattresses and sale and markdown items at 30% OFF and above are excluded from the offer. Offer is not applicable during the 3-Day Sale, SM Prestige, and other sale events ort Our Home. Per DTI Fair Trade Permit No. FTEB. 146110, Series of 2022.


Minimum Spend Requirement to avail of Real 0% SIP


Php 3,000


Php 15,000


Php 40,000


Php 50,000

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

Terms & Conditions

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

b. The terms may be available for select items only.

c. All installment transactions are subject to BPI Authorizations approval.

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

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 transaction will automatically be deducted from the Madness limit. 100% Bonus Madness Limit is only applicable to installment transactions.

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. The monthly payment shall first be applied to the interest charges then to principal amount using the diminishing balance method

e.1. BPI will charge an early termination fee of Php 550 + 20% on the principal amount should the cardholder decide to terminate the SIP transaction prior to the 1st billing.

e.2. BPI will charge an early termination fee of Php 550 for SIP transactions terminated after the first billing.

4. To qualify for the Program, the cardholder must use his or her Participating BPI Credit 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 Credit 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.

Participating Branches and Channels








Mall of Asia

BF Paranaque





North EDSA

Cagayan de Oro


CDO Downtown Premier

San Lazaro


Seaside Cebu


SM Olongapo Central




Sta. Rosa



Grand Central

Vmall Greenhills


Customer Support

Our Home

For inquiries, please call (0917) 831-5260 or send an email to OH.CUSTOMERCARE@SMRetail.com.


For inquiries and comments, please send us a message through www.bpi.com.ph/contactus or call our 24-hour BPI Contact Center at (+632) 889-10000.

Per DTI Fair Trade Permit No. FTEB-146110, Series of 2022

Related Information

Real 0% SIP is now available online

Enjoy up to 36 months Real 0% SIP at select merchants with your BPI Credit Card.

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Real 0% SIP via ShopSM

Enjoy 3 months Real 0% SIP when you order via ShopSM with your BPI Credit Card.

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Real 0% SIP via The SM Store Call to Deliver

Enjoy 3 months Real 0% SIP via The SM Store with your BPI Credit Card.

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