3 months Real 0% Special Installment Plan.
Get a bonus installment credit limit of up to 100% from your regular credit line.
Pay up to 90 days later when you buy now with your BPI Credit Card.
How to avail
1. Visit ShopSM's website.
2. Log in and add items to your cart.
3. Once items are in your basket, completely fill out the contact information page.
4. Select items and fill out the shipping address and proceed to payment.
5. Select “iPay88 Online Payment” in Shopify payment page. You will be redirected to the confirmation page.
6. Click the “Credit Card” tab on the upper left side of the screen.
7. Select between the following:
- BPI Real 0% installment
- BPI Real 0% installment with Buy Now Pay Later
8. Select “Proceed” to be redirected to the payment page.
9. Input required card credentials in the payment page.
10. Select “Proceed” to be redirected to One-Time Password (OTP) page.
11. Input the OTP to push through with the payment.
12. If details and OTP are correct, you will be redirected to a successful payment page.
1. The Program is open to BPI Cardholders of participating BPI Cards in good standing. The participating BPI Cards are as follows:
- eCredit Mastercard
- 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 Real 0% Installment Program. This allows Cardholders to avail of 3 months Real 0% installment at ShopSM.
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 available for a minimum single-receipt purchase requirement of Php5,000.
b. The installment terms may be available on all regular priced items. Sale and/or promotional items may not be included.
c. All installment transactions are subject to BPI’s approval.
d. Cardholder can choose to avail of the 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% 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.
You may also avail of 12 months Real 0% SIP for a minimum spend of Php 12,000 on select items when you visit any The SM Store branch near you.