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- Balance Conversion
Convert your new retail and online transactions in fixed monthly installments.
Get as low as 0.99% monthly add on rate for 36 months.
Have your application processed in as fast as 5 banking days.
Avail up to 100% of your credit limit.
Term | Monthly | Factor Rate | EIR PA |
3 | 1.00% | 0.343333 | 17.91% |
6 | 1.00% | 0.176667 | 20.29% |
9 | 1.00% | 0.121111 | 21.11% |
12 | 1.00% | 0.093333 | 21.46% |
18 | 1.00% | 0.065556 | 21.64% |
24 | 1.00% | 0.051667 | 21.57% |
36 | 0.99% | 0.037678 | 21.01% |
Notes:
- Effective Interest Rate (P.A) of 21.01% on 36-month term.
- A service fee of Php 100 will be charged for each SIP Loan Availment. This fee will be reflected in the succeeding statement of account.
- Effective October 11, 2021, the service fee will be adjusted to Php 300 for each availment. Rates are effective November 3, 2020 until further notice in compliance with BSP Circular 1098.
Sample Interest Computation for Balance Conversion
Loan Amount: Php 20,000.00
Term: 12 months
Add-on Rate (per month): 1.00%
Effective Interest Rate (per month): 1.79%
Factor Rate: 0.037678
Monthly Amortization: Php 1,866.67
Total Interest: Php 2,400
Month | S.I.P. Loan | Monthly Amortization | Interest | Principal Payments | Outstanding Principal Balance |
0 | 20,000 | 0 | 0 | 20,000.00 | |
1 | 1,866.67 | 357.62 | 1,509.05 | 18,490.95 | |
2 | 1,866.67 | 330.64 | 1,536.03 | 16,954.92 | |
3 | 1,866.67 | 303.17 | 1,563.50 | 15,391.43 | |
4 | 1,866.67 | 275.21 | 1,591.45 | 13,799.97 | |
5 | 1,866.67 | 246.76 | 1,619.91 | 12,180.06 | |
6 | 1,866.67 | 217.79 | 1,648.88 | 10,531.19 | |
7 | 1,866.67 | 188.31 | 1,678.36 | 8,852.83 | |
8 | 1,866.67 | 158.3 | 1,708.37 | 7,144.46 | |
9 | 1,866.67 | 127.75 | 1,738.92 | 5,405.55 | |
10 | 1,866.67 | 96.66 | 1,770.01 | 3,635.53 | |
11 | 1,866.67 | 65.01 | 1,801.66 | 1,833.88 | |
12 | 1,866.67 | 32.79 | 1,833.88 | 0.00 |
Balance Transfer
Now's the best time to transfer your other credit card balances to your BPI Credit Card.
learn moreCredit-to-Cash
Easily convert your credit limit to cash and pay in flexible payment terms.
learn moreFor inquiries and comments, send us a message or call our 24-hour BPI Contact Center at (+632) 889-10000.
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