• The SM Store Real 0% Installment

The SM Store Real 0% Installment


Enjoy up to 6 months Real 0% installment at The SM Store 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 the following installment Program:

Real 0% Installment Program

6 months Real 0% installment term

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 5,000.

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

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


BranchLocation
Aura Premier
SM Aura Premier SM Aura Premier, McKinley Parkway, Taguig
BacolodSM City Bacolod, Negros South Road, Bacolod, Negros Occidental
BacoorSM City Bacoor, Tirona Highway, Bacoor, Cavite
BaguioSM City Baguio, Luneta Hill Drive, Baguio, Bengue
BaliwagSM City Baliwag, Doña Remedios Trinidad Highway, Pagala, Baliuag, Bulacan
BatangasSM City Batangas, M.Pastor Avenue, Pastor Village, Brgy. Pallocan Kanluran, Batangas
BF ParanaqueSM City BF Parañaque, Doctor Arcadio Santos Avenue, Parañaque
BicutanSM City Bicutan, Dona Soledad Avenue, Parañaque
ButuanSM City Butuan, J C Aquino Ave, Butuan City, Agusan Del Norte
CabanatuanSM City Iloilo, Benigno Aquino Jr. Ave., West Diversion Road,, Mandurriao, Iloilo City, Iloilo
Cagayan de OroSM City Cagayan De Oro, Masterson Avenue, Cagayan de Oro, Misamis Oriental
CalambaSM City Calamba, Real, Calamba, Laguna
CauayanSM City Cauayan, Asian Highway 26, Cauayan City, Isabela
CDO Downtown PremierSM Store CDO Downton C.M. Recto Ave., cor. Osmeña St., Brgy. 24, Cagayan de Oro City
CebuSM City Cebu, Cebu City
ClarkSM City Clark, Clark Ave, Clark Freeport, Angeles, Pampanga
ConsolacionSM City Consolacion, Cebu North Road, Consolacion, Cebu
CubaoSm Cubao, Times Square Avenue, Cubao, Quezon City
DasmarinasSM Dasmariñas, Governor Drive, Dasmariñas, Cavite
DavaoSM City Davao, Ecoland Dr, Ecoland Subd., Matina, Davao City, Davao del Sur
DelgadoSM Delgado, Iloilo City Proper, Iloilo City, Iloilo
East OrtigasSM City East Ortigas, Ortigas Avenue Extension, Pasig
Estancia1605 Meralco Ave, Ortigas Center, Pasig
FairviewSM Fairview, Quirino Highway, Novaliches, Quezon City
General SantosSM City General Santos, San Miguel Street, General Santos City, South Cotabato
IloiloSM City Iloilo, Benigno Aquino Jr. Ave., West Diversion Road,, Mandurriao, Iloilo
LanangSM Lanang Davao, J.P. Laurel Avenue, Agdao, Davao City, Davao del Sur
LegazpiSM Legaspi City, Legazpi City, Albay
LipaSM City Lipa, Lipa, Batangas
LucenaSM City Lucena, Old Manila South Road, Lucena, Quezon
MakatiSM Makati, Makati City, 
Mall of AsiaSM City BF Parañaque, Doctor Arcadio Santos Avenue, Parañaque
ManilaSM City Manila, Natividad Almeda-Lopez corner A. Villegas and San Marcelino Street, Ermita, Manila
MarikinaSM City Marikina, Kalumpang, Marikina
MarilaoSM City Marilao, MacArthur Highway, Marilao, Bulacan
MasinagSM City Masinag, Marikina-Infanta Highway, Antipolo, Rizal, 
MegacenterSM Megacenter Cabanatuan, Asian Highway 26, Cabanatuan City, Nueva Ecija
MegamallSM Megamall, Epifanio de los Santos Avenue, Ortigas Center, Mandaluyong
MolinoSM City Molino, Molino - Paliparan Road, Molino 4, Bacoor, Cavite
NagaSM City Naga, Ninoy & Cory Aquino Avenue, Barangay Triangulo, Naga, Camarines Sur
North EdsaSM North EDSA Annex, SM City North EDSA Annex 1 Tunnel, Bago Bantay, Quezon City
NovalichesSM City Novaliches, Quirino Highway, Novaliches, Quezon City
Olongapo CentralSM City Olongapo, Olongapo, Zambales
Olongapo DowntownSM City Olongapo Downtown, Gordon Avenue, Olongapo, Zambales
PampangaSM Pampanga, San Fernando Interchange, San Fernando, Pampang
Puerto PrincesaSM City Puerto Princesa, Malvar Road, 500.74 mi, Puerto Princesa, Palawan
QuiapoSM Quiapo, Carlos Palanca Sr., Quiapo, Manila, Metro Manila
RosalesSM Rosales, SM Carmen Pedestrian Overpass, Rosales, Pangasinan
RosarioSM City Rosario, Gen. Trias Drive, Rosario, Cavite,
San FernandoSM City San Fernando, Consunji Street, San Fernando, Pampang
San Jose Del MonteThe SM Store, San Jose Del Monte, Bulacan
San LazaroSM San Lazaro, Yuseco Street, Santa Cruz, Manila
San MateoSM City San Mateo, San Mateo, Rizal, San Mateo, Rizal
San PabloSM City San Pablo, Maharlika Highway, Barangay San Rafael, San Pablo City, Laguna
Santa RosaSM City Santa Rosa, Manila South Road, Santa Rosa, Laguna
Seaside CebuSM Seaside City, Cebu City, Cebu
SouthmallSM Southmall, Alabang–Zapote Road, Pamplona, Almanza Uno, Las Pinas
Sta. MesaSM Sta Mesa, Quezon City
SucatSM City Sucat, Dr A. Santos Ave, Parañaque
TarlacSM City Tarlac, Tarlac City, Tarlac
TaytaySM City Taytay A, Taytay Diversion Road, Dolores, Taytay
TelabastaganSavemore Market, MacArthur Highway, Telabastagan San Fernando City, Pampanga
Trece MartiresSM City Trece Martires, Trece Martires, Cavite
Urdaneta CentralSM City Urdaneta Central, MacArthur Highway, Urdaneta City, Pangasinan
ValenzuelaSM Store Valenzuela, Mc Arthur Highway, Brgy. Karuhatan Dist. 2, Valenzuela City
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
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