Promo highlights
A green check mark.

Real 0% installment on appliances & more

Pay in installments with 0% interest and also enjoy 'Buy Now, Pay Later' for up to 90 days.

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Buy now, pay 90 days later

First monthly amortization will be posted up to 3 months later from date of purchase.

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Up to 100% Bonus Madness Limit

Qualified credit cardholders can enjoy a bonus installment credit limit of up to 100% of their regular credit line.

How to avail

a. Cardholder visits and selects the items to be purchased.

b. Cardholder adds the preferred items to cart, proceeds to check out page, and fills in required information.

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

d. Cardholder selects “BPI Online Installment" or "BPI Shop Now Pay Later” as payment option.

e. Cardholder clicks “Place Order” button.

f. Cardholder will be redirected to Order and Payment Information. Cardholder ticks “I agree” in terms and conditions, then “Proceed”.

g. Cardholder selects Payment Term from 3, 6, or 12 months.

h. The monthly amortization will reflect on the screen.

i. Cardholder fills in the required information of his Card details.

j. Cardholder clicks “Pay Now”.

k. Cardholder receives a confirmation email from Merchant.

Promo 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

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

2. BPI Cardholders are entitled to avail of Real 0% Installment Program. This allows Cardholders to avail of 3, 6, or 12 months Real 0% installment at

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:

Spend requirement
TermsMinimum spend amount
3 and 6 monthsPhp 3,000
12 monthsPhp 6,000

b. The installment terms may be available on all standard Suggested Retail Price (SRP) items. 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.

Customer support

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

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