Real 0% SIP Online at Time Depot
Get up to 6 months Real 0% SIP at Time Depot with your BPI Credit Card.
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Program Highlights
Real 0% SIP Online

Get up to 6 months Real 0% SIP Online with your BPI Credit Card.

Up to 100% Bonus Madness Limit

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

Program Mechanics

How to Avail
a. Visit Time Depot’s website and select the items to be purchased.

b. Add the preferred items to cart, proceed to check out page, and fill in the required information.

c. On the check-out page, select “Payment Method”.

d. Select “Pay via BPI Special Installment Plan" as the payment option.

e. Click the “Complete Order” button.

f. You will be redirected to Merchant’s Payment Gateway to input your preferred installment type, installment term, and BPI Credit Card details.

g. On the Merchant’s Payment Gateway page, tick “I agree” in terms and conditions.

h. Proceed to BPI Special Installment Plan.

i. Select the installment type “Real 0% installment”.

j. Select the Payment Term of 3 or 6 months.

k. The monthly amortization will reflect on the screen.

l. Fill in the required information of your card details.

m. Click “Pay Now”.

n. Receive a confirmation email from the Merchant.

Program Mechanics

1. The Program is open to all BPI cardholders in good standing with any of the following participating cards:

BPI Credit Cards

  • eCredit Mastercard
  • Blue Mastercard
  • Gold Mastercard
  • Platinum Rewards Mastercard
  • Petron-BPI Mastercard
  • Edge Mastercard
  • Corporate Mastercard
  • Amore Cashback Card
  • Amore Platinum Cashback Card
  • Platinum Rewards Mastercard
  • Visa Signature Card

2. BPI Cardholders are entitled to the Real 0% Special Installment Plan (SIP) Program. This allows Cardholders to avail of 3 or 6 months Real 0% SIP at Merchant.

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 3,000.

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

c.  All installment transactions are subject to BPI approval.

d. Cardholder can also choose to avail of other SIP feature:

Up to 100% BONUS MADNESS LIMIT for qualified BPI Credit Cardholders
Subject to favorable credit history, qualified Credit Cardholders will enjoy increased purchasing power with a bonus installment credit limit of up to 100% of their regular credit line. Approved installment transactions will automatically be deducted from the Madness limit. 100% Bonus Madness Limit is only applicable to installment transactions.

e. The monthly payment shall first be applied to the interest charges then to principal amount using the diminishing balance method:

  •  BPI will charge an early termination fee of Php 550 plus 20% on the principal amount should the cardholder decide to terminate the SIP transaction prior to the first billing.
  • BPI will charge an early termination fee of Php 550 for SIP transactions terminated after first billing.

5. To qualify for the Program, the Cardholder must use his or her Participating BPI Credit Card to pay for his or her purchases at the Participating Merchant.

6. Any dispute concerning the products and/or services related to the Program shall be settled directly between the Cardholder and Merchant.

7. The terms and conditions governing the issuance of BPI Credit 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% SIP when you visit any Time Depot store near you.

Customer Support

Time Depot
For queries, call 0995-485-5352 or send an email to


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

Related Information

Light payment terms when you shop online

You can now shop online and pay in Special Installment Plan at Real 0% interest.

learn more