Benefits
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Fixed monthly installments

Convert your credit limit to cash and pay in fixed monthly installments.

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Low add-on rate

Get as low as 0.99% monthly add on rate for 36 months.

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Fast processing

Have your application processed in as fast as 5 banking days.

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Use 100% of your available limit

Avail up to 100% of your credit limit.

Don't miss out on the latest promotions
Featured
Credit cards

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.
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  • Installments
Credit cards

SIP with Monthly Add-On

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

Watch Republic at Real 0% S.I.P.

Get 3 months Real 0% S.I.P. at WatchRepublicShop.com with your BPI Credit Card
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  • Shopping and essentials
  • Installments
Credit cards

Real 0% SIP at Trunc.ph

Shop online with your BPI Credit Card at Trunc.ph by SSI & enjoy Real 0% S.I.P. of up to 24 mo
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  • Shopping and essentials
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Credit cards

New Samsung Galaxy S22 series on Real 0% SIP

Get up to 24 months Real 0% SIP on the new Samsung Galaxy S22 series
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  • Shopping and essentials
  • Installments
Rates

Term

Monthly
AOR

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 36-month term.
  • A service fee of Php 300 will be charged for each S.I.P. Loan Availment. This fee will be reflected in the succeeding statement of account.
  • Rates are effective November 3, 2020 until further notice in compliance with BSP Circular 1098.
Sample interest computation for Credit-to-Cash

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

MonthS.I.P. Loan Monthly amortization  Interest Principal paymentsOutstanding principal balance
0     20,000 00       20,000.00
1          1,866.67357.62       1,509.05       18,490.95
2          1,866.67330.64       1,536.03       16,954.92
3          1,866.67303.17       1,563.50       15,391.43
4          1,866.67275.21       1,591.45       13,799.97
5          1,866.67246.76       1,619.91       12,180.06
6          1,866.67217.79       1,648.88       10,531.19
7          1,866.67188.31       1,678.36         8,852.83
8          1,866.67158.3       1,708.37         7,144.46
9          1,866.67127.75       1,738.92         5,405.55
10          1,866.6796.66       1,770.01         3,635.53
11          1,866.6765.01       1,801.66         1,833.88
12          1,866.6732.79       1,833.88                0.00

Avail Credit-to-Cash now

Simply visit any BPI branch near you.

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