Benefits
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Affordable rates

Pay your other credit card balances for as low as 0.99% monthly add-on rate for 36 months.

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Fast processing

Have proceeds credited to your BPI account in as fast as 5 banking days.

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Use 100% of your available limit

Get cash using 100% of your available limit.

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Proceeds credited to BPI account

Proceeds are credited to your BPI account for more payment flexibility.

Rates

Term

Monthly
add-on rate

Factor rate

EIR PA

6

1.00%

0.176667

20.29%

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 a 36-month term.

• A service fee will be charged for each S.I.P. Loan Availment. This fee will be reflected in the succeeding statement of account.

• Please be advised of the adjusted S.I.P. Loan Service Fee for BPI Credit Cards:

Effective date

Changes

April 16, 2024

The S.I.P. Loan Service Fee of P300 will be adjusted to Php 500 to be charged for S.I.P. Loan availment above Php 50,000 while transactions up to Php 50,000 will still be charged at Php 300.

 

This one-time fee will be applied for every availment of the following S.I.P. Loans starting April 16, 2024 and will be reflected on the next statement of account:

  • Balance Transfer
  • Credit-to-Cash
  • Balance Conversion

• Rates are effective November 3, 2020 until further notice in compliance with BSP Circular 1098.

Sample interest computation for Balance Transfer

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: 0.093333
Monthly amortization: Php 1,866.67
Total interest: Php 2,400

 

MonthS.I.P. Loan Monthly amortization  Interest Principal paymentsOutstanding principal balance
020,000 0020,000.00
1 1,866.67357.621,509.0518,490.95
2 1,866.67330.641,536.0316,954.92
3 1,866.67303.171,563.5015,391.43
4 1,866.67275.211,591.4513,799.97
5  1,866.67246.761,619.9112,180.06
6 1,866.67217.791,648.8810,531.19
7 1,866.67188.311,678.368,852.83
8 1,866.67158.31,708.377,144.46
9 1,866.67127.751,738.925,405.55
10 1,866.6796.661,770.013,635.53
11 1,866.6765.011,801.661,833.88
12 1,866.6732.791,833.880.00

Avail Balance Transfer now

Simply call (+632) 889-10055 or visit any BPI branch near you.

Don't miss out on the latest promotions
Featured

Real 0% S.I.P. is now available online

You can now pay online in Real 0% S.I.P. with your BPI Credit Card.

SIP with Monthly Add-On

Pay for your purchases at low monthly installment add-on rate at our partner merchants.

Special Installment Plan at Partner Travel & Leisure Merchants

Enjoy a special installment plan of up to 24 months with our travel and leisure partner mercha

Real 0% SIP at Partner Gadgets and Electronics Merchants

Enjoy Real 0% installment of up to 36 months with our gadgets and electronics partner merchant

Real 0% SIP at Partner Fashion and Retail Merchants

Enjoy Real 0% installment of up to 24 months with our fashion and retail partner merchants
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