Credit to cash

Get cash from your BPI Credit Card and pay it in installment

Benefits

Fixed monthly installments

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

Low add-on rate

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

Fast processing

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

Use 100% of your available limit

Avail up to 100% of your credit limit.

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 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

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 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: 0.093333
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