Promotion highlights
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Real 0% S.I.P.

Get up to 24 months Real 0% S.I.P. with your BPI Credit Card.

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Up to 100% Bonus Madness Limit

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

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Open to all BPI Credit Cardholders

Use your many participating cards to avail of this promo.

Promotion mechanics

1. The program is open to BPI Cardholders of participating BPI Cards in good standing. The participating BPI Cards are as follows:

BPI Credit Cards

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

2. BPI cardholders are entitled to avail of the Real 0% installment program. This allows cardholders to avail up to 36 months Real 0% installment at partner merchants.

3. The cardholder shall review and agree to be bound by the terms and conditions of the Special Installment Plan (S.I.P.):

Terms and conditions

a. The S.I.P. Real 0% installment terms are available for a minimum single-receipt purchase requirement of Php 3,000 or higher depending on the merchant.

b. The terms and spend requirement may vary per merchant and may be available for select items/services only.

c. All installment transactions are subject to BPI’s approval.

d. Cardholder can also choose to avail of other S.I.P. feature:

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.

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 S.I.P. transaction prior to the first billing.
  • BPI will charge an early termination fee of Php 550 for S.I.P. transactions terminated after first billing.

4. 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.

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 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.

Participating merchants

Here are the participating merchants for gadgets and electronics Real 0% S.I.P.

316 Quality Pnt   Fiesta Appliance CenterNeoplatinum 
3A Finest Choice   First Megasaver ApplianceNespresso
717 Bluer Cherry   Focus GlobalNig Marketing
A CJ O Shopping   GC Appliance Centrum   NutriTECH Alliance Corporation
Abenson  Gloria Bazar   Ocampo's Angeles
Addessa  Golden Belt   Ogawa
Airpro Systems   Greatworld Appliance Oksia Marketing   
Allegro Beverage   Greentop Marketing   Onken Home Kitchen
AllHome   Health Prove Enterprises   Panason Marketing
Ancorp Healthy World Inc.  High Top Sure MarketingPhilfoam Inc.  
And4 Finest ChoiceHilton Marketing   Po's Marketing Ent   
Ansons  Holy Child Appliances Quality Appliance Plaza
Arysta MarketingHomedirect  Reverb Appliance Centrum
Asian Home Appliance CenterHomemate Aircon   RGLV Style Electronics
Automatic CentreHomesonic App CenterRJ Homes The Appliance Plaza Inc.  
AV Surfer   HomeworksRl Appliance   
Better Living Appliance & Furniture ShowroomI-Home EnterprisesRobinsons Appliance
BHF Corp.  IKEARoyal Star Appliance
Bodega Glassware   Imarflex Special ProductsRRS Marketing   
Bodega Home Plus   Imperial ApplianceSalad Master
Brills MarketingIntelliaire Marketing   Santol Marketing
Budget Wise AppliancesJ & R Electronics   Savers Appliances
Cebu Appliance CenterJaycee Co.Savers Digital Hub   
Cellar Solutions   Jomat Marketing   SCBC Enterprises   
Central Quality ApplianceJuanica & John Marketing  SM Appliance  Center
Citi Appliance   Kingswood Marketing SMEG Philippines
Coleman   Kitchen WondersSony Square by Avid
Coleman Prestige   KitchenAid PhilippinesSony Viao  
Colombo Merchant   Kichenomics   Super Marketing   
Concept SpecialistLux Appliance   Tagum Fiesta Appliance Center
CQ Lifestyle CenterMagic Appliance CenterThe First Family Appliance
CYA Industries   Magic Home   Trinity Appliance Center
DBC Furnishings   Magic LuxTriple A Fine   
Desmark   Major Brand SalesUnivox Enterprise   
Dimdi Center   Mandaue Foam   Vegapino Enterprise   
DM Pacific Star EnterprisesManila Imperial Motor SalesVeneth Enterprises   
DTD Enterprise   Manhattan MarketingVillegas Appliance
Dyson   Melgene Aircon Marketing & ServicesVivour Enterprise   
Echo Appliances   Metro Plaza   VPR Marketing
Emcor AppliancesMichikawa EnterpriseWalvis Corporation
Euro P2P Direct, Inc.    Middle East TradingWelcome Home Appliance   
Excellence Appliance  Mindanao SolidmarkWestern Appliances
Fair N Square Emporium   Mondo Cucina   Willy And Sons   
FC Home Center  National Commercial Winter Cool Ref & Aircon Services & Trading
Customer support

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

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Real 0% S.I.P. at partner home improvement merchants

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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
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Real 0% SIP at Partner Department Stores

Enjoy Real 0% installment of up to up to 12 months at our partner department stores
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