• Rustan's Real 0% Installment

Rustan's  Department Store Real 0% Installment

Get up to 36 months Real 0% installment at Rustan’s with your BPI Credit Card.

Program Mechanics

Program Mechanics

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

Credit Cards

  • Blue Mastercard
  • Gold Mastercard
  • Petron-BPI 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 of the following Real 0% installment terms at the Merchant.

  • 3 months Real 0% installment on select items
  • Up to 36 months Real 0% installment on Montblanc and Rustan’s Silver Vault

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.

b. The terms  may be available for select items.

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

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

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.

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% interest 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.

Participating Branches

Participating Branches

Rustan's Department Stores

Rustan's Ayala Alabang

  • Alabang Town Center, Alabang, Muntinlupa City
  • +632 8850 5532

Rustan's Cebu  

  • Ayala Center, Bohol Avenue, Cebu
  • +6332 517 0500

Rustan's Gateway   

  • Gateway Mall, Araneta Center Cubao, Quezon City
  • +632 8865 7700

Rustan's Makati   

  • Ayala Center, Ayala Avenue, Makati City
  • +632 8813 3739 Local 280

Rustan's Shangri-La Plaza

  • Shangri-La Plaza Mall, EDSA corner Shaw Boulevard, Mandaluyong City
  • +632 8633 4636 / +632 8633 4649


Adora Greenbelt Makati  

  • 2/F and 3/F Greenbelt 5, Ayala Center, Makati City
  • +63 917 557 7405

Adora Shangri-la Plaza

  • G/F East Wing, Shangri-la Plaza Mall, EDSA corner Shaw Boulevard, Mandaluyong City
  • +63 917 587 4033

Boutique Stores

City of Dreams Manila

  • Aseana Avenue corner Roxas Boulevard Entertainment City Manila, Parañaque
  • +632 8225 2223 / +632 8503 3740

Kiss & Fly - Ninoy Aquino International Airport Terminal 3 (NAIA)

  • KF-30 Terminal 3, MIA Andrews Brgy. 183 Pasay City
  • +63 917 555 6815

Red Tag

  • Ayala Malls, Solenad 3 Nuvali, Don Jose, Santa Rosa, Laguna
  • +6349 544 2947

Resorts World Manila

  • Newport Mall, 100 Andrews Ave, Pasay City
  • +632 8225 2226 (Silver Vault) / +632 8225 2215  (Rustan's Our Very Own) / +632 8225 2220 (Montblanc)
Customer Support

Customer Support

For any questions or clarifications, you may contact BPI through these channels:

  • Philippines (02) 889 10000
  • Domestic Toll Free 1 800 188 89100 (where available)
  • help@bpi.com.ph