Real 0% Special Installment Plan (SIP)
Get up to 36 months Real 0% SIP at our partner merchants with your BPI Credit Card.
Program Highlights
Real 0% SIP

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

100% Bonus Madness Limit

Get a bonus installment credit limit of up to 100% of your regular credit line.

Program 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
  • Corporate Mastercard
  • Platinum Rewards Mastercard
  • Amore Cashback Card
  • Amore Platinum Cashback Card 
  • Visa Signature Card. 

Note: eCredit Mastercard is available only for installment purchases made online at participating merchants. 

2.  BPI cardholders are entitled to avail of the Real 0% Special Installment Plan (SIP). This allows cardholder to avail up to 36 months installment at partner merchants.

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 with low monthly add-on rates is available for a minimum single-receipt purchase requirement of Php 3,000 or higher depending on the merchant.

b. The terms and spend requirement may vary per Merchant and may be available for select items/services only.  

c. All installment transactions are subject to BPI's 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 transaction will automatically be deducted from the Madness limit. 100% Bonus Madness Limit is only applicable to installment transactions.

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

  • 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. 
  • 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 Card to pay for his or her purchases at the Participating Merchant. The Participating Merchants are listed in

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, please send us a message through or call our 24-hour BPI Contact Center at (+632) 889-10000.

Related Information

Real 0% SIP is now available Online

You can now pay online in Real 0% SIP with your BPI Credit Card.

Learn more