The SM Store Call-to-Deliver Real 0% SIP
Pay online in Real 0% SIP for 3 months in The SM Store’s Call-to-Deliver with your BPI Credit Card.
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Promo Highlights
Real 0% installment

Enjoy 3 months Real 0% Special Installment Plan.

100% Bonus Madness Limit

Get a bonus installment credit limit of up to 100% from your regular credit line.

Buy Now, Pay Later

Pay up to 90 days later when you buy now with your BPI Credit Card.

Promo Mechanics

How to Avail

1. Call The SM Store’s Call to Deliver hotline at #143SM (#14376), which is available daily from 10:00 AM to 7:00 PM. You can also join the Viber community ( and send a private message to the Admin anytime between 10:00 AM or 7:00 PM.

2. Send the following information:

  • Full Name
  • Mobile Number
  • Order (brand type and/or variant) with quantity of pieces
  • SM Advantage Card (SMAC) or SMAC Prestige Number (if applicable to earn points)

Note: Submission of the above information gives consent to The SM Store, its affiliates and its service group to collect, use, store, or otherwise process Cardholder’s personal data to verify, complete and deliver the purchase from said Company. Submission means the Cardholder agrees to the use of said data for analytics and commercial or marketing purposes: and agree to receive corporate communications from the Company and to the sharing of the information with its service provider who will deliver the items to the designated location.

3. A personal shopper will get in touch with you to confirm your order, payment, and delivery details.

4. Payment instruction will be sent to the email address you have provided to The SM Store.

5. You will be redirected to a Payment Gateway. Input your preferred installment type, installment term, and BPI Credit Card details.

6. Select “iPay88 Online Payment” in the payment page. You will be redirected to the confirmation page.

7. Click on the “Credit Card” tab on the upper left side of the screen.

8. Select between the following:

  • BPI Real 0% installment
  • BPI Real 0% installment with Buy Now Pay Later

9. Select “Proceed” to be redirected to the payment page.

10. Input required card credentials in the payment page.

11. Select “Proceed” to be redirected to One-Time Password (OTP) page.

12. Input your OTP to push through with the payment.

13. If details and OTP are correct, you will be redirected to a successful payment page.

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

  • 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 or 6 months Real 0% installment at The SM Store’s Call to Deliver.

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 applicable.

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% 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.  

You may also avail of Real 0% installment up to 3 months when you visit any The SM Store branch near you. 

Customer Support

For inquires and comments, send us a message or call our 24-hour BPI Contact Center at ‎(+632) 889-10000.

Real 0% SIP is now available online

Enjoy up to 24 months Real 0% SIP at select merchants nationwide with your BPI Credit Card.

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