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  • Wilcon Real 0% Installment

Wilcon Real 0% Installment


Enjoy 3 months Real 0% installment on select items when you use your BPI Credit Card. Plus, enjoy a low add-on rate of 1.00% per month when you avail of the 24 months installment term.

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

3 months Real 0% installment term on select products.


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 Special Installment Plans are available for a minimum-single receipt purchase requirement of Php 3,000.

b. The terms may vary per branch and 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.

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.


Low monthly add-on interest Installment Program:

TermsFactor RatesLow Monthly Add-On Rate
3 months0.3433331.00%
6 months0.1766671.00%
9 months0.1211111.00%
12 months0.0933331.00%
18 months0.0655561.00%
24 months0.0516671.00%


Sample computation (using factor rate for 3-month term):

Price x Factor Rate

Php 25,000.00 x 0.343333 = Php 8,583.33


Total Installment:

Php 8,583.33 x 3 months = Php 25,749.98

Participating Branches

Participating Branches


Branch LocationContact No.
Alabang Las Pinas#8003 Real St. Alabang Zapote Road, Almanza uno Las Piñas(02) 8772-0312
Antipolo City, RizalMarcos Hi-way, Mayamot, Antipolo City(02) 8362-8273
Bacolod-Talisay City, Negros OccidentalBrgy. Matab-ang, Talisay City, Negros Occidental(02) 3428-6246
Bacoor, CaviteBacoor Blvd (formerly Molino Boulevard), Barangay Mambog IV, Bacoor City, Cavite(02) 8772-6178 / (02) 8772-6179 / (02) 8772-6180 / (02) 8772-6181 / (02) 8772-6183 / (02) 8772-6186 /(02) 8772-6187 / (02) 8772-6185 / (02) 8772-6174 / (02) 8772-6184 / (02) 8772-6171 / (02) 8772-6173 / (02) 8772-6170
Balintawak, Quezn City#1274 EDSA Balintawak, Quezon City(02) 8834-5002 to 5004 / (02) 8851-2769 / (02) 8851-2768
Baliuag, BulacanKm. 48 DRT Highway, Brgy. Tarcan, Baliuag, Bulacan(02) 8634-8387
Batangas CityDiversion Road, Brgy. Alangilan, Batangas City(02) 8280-6544
Butuan City, Agusan Del NorteBrgy. Baan Km3, Butuan City, Agusan Del Norte(02) 8712-3627 / (02) 8711-4105
CabanatuanLOT 2040-C-3-B & Lot 2040-C-4 Sumacab Este, Cabanatuan City(02) 3453-2229 / (02) 3453-5910
Cagayan de Oro, Misamis OrientalZone 5, Brgy. Cugman Cagayan de Oro City, Misamis Oriental(02) 8820-4664 / (02)8820-4061 / (02) 8820-1410 / (02) 8820-4046
Calamba, LagunaNational Road, Brgy. Halang, Calamba City, Laguna(02)8292-6254 / (02) 8292-6255 / (02) 8292-6256
Calumpit, BulacanBarangay Pio Cruzcosa, Calumpit, Bulacan(02) 8477-5868 / (02) 8477-5929 / (02) 8477-5926
Commonwealth, Quezon City#16 Commonwealth Ave., Brgy. Commonwealth, Quezon City(046) 409-3986
Daraga, AlbayPeñafrancia, Daraga, Albay(042) 710-1153
Damariñas City, CaviteGovernor's Drive, Brgy. Paliparan, Dasmariñas City, Cavite(048) 433-0703
Dau, MabalacatMc. Arthur Highway Brgy. Dau Mabalacat, Pampanga(043) 740-2984
Davao CityMc. Arthur Highway, Matina, Davao City(02) 8288-5544
Filinvest, AlabangB29 Alabang Zapote Rd., cor. Bridgeway Ave., Filinvest Corporate City, Muntinlupa City078) 375-1923
General Santos CityPurok Palen, Brgy. Labangal, General Santos City 0917-8738525
General Trias, CaviteLot 2680-F-4, Sitio Defuego, Brgy. San Francisco, General Trias, Cavite0917-8040349
Iguig, Cagayan ValleyBarangay Bayo, Iguig, Cagayan0917-8738554
IloiloNorth Diversion Road, Brgy. Dungon-B, Jaro,Ilo-Ilo City(046) 435-1497
IT Hub - Pasong Tamo, Makati City#2251 Chino Roces Avenue, Brgy. Bangkal Makati City(044) 766-1781,(044) 766-1804,(044) 766-2409
Kawit, CaviteCentennial Road, Brgy. Magdalo Potol, Kawit, Cavite(043) 722-0796,(043) 722-0608
Laoag City, Ilocos NorteAirport Rd., Brgy. Buttong, Laoag City, Ilocos Norte(044) 803-9254
Libis, Quezon City#90 E. Rodriguez Jr. Ave., Ugong Norte Murphy, Libis, Quezon City(049) 545-1813 / 545-1815 / 545-1817
Lipa City, BatangasBrgy. Bugtong Na Pulo, Lipa CIty, BatangasPOS (046) 402-2376 / 402-2378
Mandaue City, CebuUN Ave., Brgy. Umapad, Mandaue City, Cebu(045) 624-1115
Mexico, PampangaGapan-Olongapo Road, Brgy. Lagundi, Mexico, Pampanga(046) 431-7712 / (046)438-5634
Naga CityBrgy. Del Rosario, Naga City, Camarines Sur(077) 670-8639
Opol, Misamis OrientalZone 2A, Igpit, Opol, Cagayan De Oro, Misamis Oriental(043)756-0405
Panacan, DavaoBlock 2, Valle Verde, Panacan Diversion Rd. Davao City(045) 966-0303
Pasong Tamo, Makati City#2212 Chino Roces Ave. San Lorenzo Makati City (beside Cityland Tower, infront of Don Bosco Chapel)(054) 881-2712
Puerto Princesa City, PalawanLot 5476-A, National Highway Cor. Golden Valley Road, Brgy. Sicsican, Puerto Princesa City Palawan(045) 961-7206 / 961- 7602 / 961-7223
Quezon Ave., Quezon City#24 Quezon Ave. Doña Josefa, D4, Quezon City(049) 521-2210 / (049)521-3157
Quirino, Quezon CityL119 C1 Mindanao Avenue, Brgy. Talipapa, Quezon City(046) 409-2567 / (046) 409-2558 / (046) 409-2658
San Fernando, PampangaFreeway St., Olongapo-Gapan Rd., Brgy. Dolores, San Fernando City, Pampanga(049) 544-7844
San Isidro, AntipoloLot 2-A, Barangay San Isidro, Antipolo City, Rizal(045) 982-4388
San Jose Del Monte, BulacanQuirino Highway, Barangay Tungkong Mangga, San Jose del Monte, Bulacan(02)8571-8172 / (02)8571-8374
San Pablo, LagunaDoña Maria Village Phase 2, Brgy. Bagong Bayan, San Pablo City(075) 523-8678
Silang, CavitePurok 9, Brgy. Lalaan II, Silang, Cavite(034) 474-0981
Sta. Baraba, IloiloLot 506-B Brgy. Bolong Este, Santa Barbara, Iloilo City(033) 330-3605
Sta. Rosa, LagunaTagaytay Rd. Brgy Pulong, Sta. Cruz, Sta. Rosa , Laguna(033) 327-2167, (033) 327-2168, (033) 327-2169
Sto. Tomas, BatangasBarangay Sta. Anastacia, Sto. Tomas, Batangas(032) 236-6413
Sucat, ParañaqueDr. A. Santos Ave., Brgy. San Dionisio, Sucat, Parañaque City(053) 856-0151 / (053) 856-0152 / (053) 856-0153 
Tacloban CityPurok Santol, Brgy. 80 Marasbaras, Tacloban City, Leyte(032) 505-0374 / (032) 505-2714 / (032) 505-4350
Talisay City, CebuLot 2359, Lawa-an II, Talisay City, Cebu(085)956-0067 / 956-0071 / 956-0069
TarlacMc. Arthur H-way, Sta. Monica Village, San Rafael, Tarlac City(062) 957-1604
Tayabas, QuezonBrgy. Isabang, Tayabas, Quezon(083) 552-1880
Taytay, RizalManila East Road, Brgy. San Juan, Taytay Rizal(082) 285-8331
Valenzuela City#292 McArthur Hi-way, Dalandanan, Valenzuela City(088) 859-2280
Villasis, PangasinanBarangay Bacag Villasis, Pangasinan(088) 859-2293 to (088) 859-2296
Zambaonga CityLot 2235-C-1-A Boalan, Zamboanga City(082) 297-5478 / (082) 297-6936


Customer Support

Customer Support


You may call our 24-hour BPI Contact Center at (+632) 889-10000 (Philippines), 1-800-188-89100 (Domestic Toll Free), or send us a message.


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