Special Installment Plan at Partner Home Improvement Merchants
Enjoy a special installment plan of up to 24 months with our partner home improvement merchants.
Real 0% SIP

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

Up to 100% Bonus Madness Limit

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

SIP with Add-on

Get up to 24 months SIP with low monthly add-on rates.

Program Mechanics

1. The Program is open to BPI cardholders of Participating BPI Cards in good standing. The Participating BPI Cards are as follows:  

BPI Credit Cards

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

2. BPI cardholders are entitled to avail of the Real 0% Installment Program. This allows cardholders to avail up to 24 months Real 0% 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 Real 0% installment terms are 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
Qualified Credit cardholders with good credit standing 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 plus 20% on the principal amount should the cardholder decide to terminate the SIP transaction prior to the first billing.
  • BPI will charge an early termination fee of Php 550 for SIP transactions terminated after 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 Merchants
  • Ace Builders
  • Ace Express
  • Ace Hardware
  • AllHome
  • Ambiance One Fine Furniture
  • At Home Furniture
  • Belmont Hardware
  • Better Living Tile
  • Blue Fields Trading
  • Cable Fine Furniture
  • Caravan Furnishings
  • Cebu Belmont, Inc.
  • Cellini
  • Ceramic Plaza
  • Citibeds
  • Citylife Hardware
  • CW Home Depot
  • Deejays Textile
  • Design Fusion Furniture
  • Digital Interface
  • Do-It-Best
  • E Marquez Furniture
  • Easy Home Furniture
  • Edia Home
  • Eliza's Home Ideas
  • Everest Rattan
  • Expo Home Depot
  • Expo Tile & Bath & Home
  • Extraordinary Great Tiles
  • Fatima HomeWorld
  • Gaisano Mall of Digos
  • Gigaohms Electronics
  • Goldtown Industrial
  • Guava Sketch
  • Guiao Reyes Furniture
  • Handyman
  • Handyman Expressmart
  • Han's Infinite
  • Hapihomes Furniture
  • Hardware Exchange
  • Harley's Home Hardware
  • Hendric Furniture
  • Home Design
  • Home Gallery
  • Home Refresh Furniture
  • Homeplus
  • Homewise Furniture
  • Howard Furniture
  • Infinity Home Furnishings
  • Ital Design Furniture
  • J Gainza's Furniture
  • Lifestyle Interior
  • Living Innovations Corp.
  • Livingwell Home
  • Luxe Light
  • M.T. Guiao Furniture
  • Mackun Hardware
  • Make Room
  • Mandaue Foam
  • Maquiling Hardware
  • Matt Mason
  • Maxene's Home Ideas
  • Mulitmax Foam Industries
  • Multiflex RNC
  • NCCC Hardwaremaxx
  • Olivan @ Home
  • Olivan Hardware
  • Perfect Home
  • Philux
  • Polyflex Industries
  • Polyfoam RGC International
  • Pottery Barn
  • Rai Strong Builders
  • San yang
  • Savers Place Furniture
  • Suki Marketing
  • Sylpauljoyce Furniture
  • Tempur
  • The DIY
  • True Home
  • True Value
  • Victoria Mondiale
  • Viva Home
  • West Elm
  • Wilcon Builders
  • Wooden Creation
  • Workstation Hardware
  • ZLS Lifestyle Interiors
  • Ikea

Note: The terms may vary per merchant and may be available for select items only.

SIP Monthly Add-On Program

You may also opt to pay for your installment purchase at low monthly add-on rates in the event that Real 0% installment term is not being offered by the partner merchants. Interest rates per merchant may vary per industry.


Factor Rates

Add-On Rates

3 months



6 months



9 months



12 months



18 months



24 months



How to compute
Price x factor rate = Monthly amortization
Monthly amortization x No. of installment months = Price of total installment with interest

Participating Merchants
  • Belvedere Studio  
  • Butuan Express Hard
  • Citihardware  
  • Citihardware Gensan
  • Dpam Industrial  
  • Davao Citihardware
  • Deco Arts Marketing
  • Citihardware Gensan
  • Golden Tools Const
  • Hilti  
  • John And Carl  
  • Licup Builders 
  • Naga La Suerte Glass
  • Rjt Construction Supply
  • Rtcruztrading  
  • Valiant Elect  
  • Webuildhomes Co  
  • Wilcon Depot

Customer Support


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

Related Information

S.I.P Online

Shop online and pay in installment at 0% interest.

learn more

S.I.P with Monthly Add-on

Pay for your purchases at low monthly installment add-on rate at our partner merchants.

learn more