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Flexible Terms

Enjoy easy installment from 3 to 36 months term.

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No need to manage many cards and cut-offs. 

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Use your credit limit

Avail up to 100% of your available limit. 

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Promo Code: BT21/BT22

Promo Period: July 1, 2023 to September 30, 2023





Monthly Add-on

EIR p.a.

Factor Rate

























1. 0.39% Balance Transfer Offer is an exclusive promotion for BPI Cardholders in good credit standing for valid Balance Transfer applications received within the promo period under 3, 6, 12, 18, 24 and 36 months term.

2. Promo is from July 1, 2023 to September 30, 2023.

3. Offer is exclusive for the purpose of transferring balances from Philippine-issued credit cards to cardholder’s BPI Credit Card where proceeds will be credited to their non-BPI credit card via BPI’s Bills Payment Facility.

The list of Credit Card Billers enrolled in BPI Bills Payment Facility as of March 2023 are as follows:

Merch Code

Product Code

Cur Code

Merchant Name

Product Short Name

Product Full Name
































4.  Minimum amount for Balance Transfer transaction is Php 3,000 per application.

5. Promo code provided will be used to match the offer designated to qualified cardholders.

6. Proceeds will be paid directly to cardholder’s credit card via BPI’s Bills Payment facility. BPI will never be liable for any charges imposed by other credit card issuer in relation to release of proceeds via bills payment.

By providing their non-BPI credit card number, the applicant is confirming that the card is under their name, and that it is correct, valid and truly belong to the applicant. In the event that the card number provided by the applicant where the payment was made to was incorrect and later on discovered as belonging to a different person, the applicant shall still be liable for the amount paid by BPI as proceeds of their Balance Transfer Application.

7. A SIP Loans Service Fee of Php 300 shall for every Balance Transfer application, and shall be posted as a separate entry.

8. Communications to inform Select cardholders of their assigned Promo Code will be in the form of a phone call, SMS, Viber Message, and e-mail. A unique reference code will be assigned to select cardholders that will also be included in the SMS, Viber message and email.

9. For BPI cardholders with assigned Unique Reference Code, submission of a Statement of Account requirement for Balance Transfer is waived.

Cardholder may submit their Balance Transfer Application through any of the following channels:

  • At any BPI Branch nationwide
  • BPI Internal Telesales
  • Third Party Accredited Telesales Agencies. See SIP Loans terms for list of Accredited Agencies.

10. For BPI cardholders without a Unique Reference Code, their Balance Transfer Application must be accompanied by a copy of their non-BPI Credit Card’s Statement of Account (SOA).

Cardholder must submit their application through (1) any of our BPI Branches nationwide or through (2) BPI Internal Telesales

11. For applications with SOA requirement, date reflected in the SOA should not be more than three (3) months prior the date of application.

12. Turnaround time (TAT) for processing of applications is 5 to 8 Banking Days.

13. SIP Loans terms and conditions not covered under this provision shall apply.



S.I.P. Loans Terms and Conditions

ELIGIBILITY - A credit cardholder (the “Cardholder”) of Bank of the Philippine Islands (the “Bank”) of good standing is qualified to avail of the BPI Special Installment Plan (S.I.P.) Loan (the “Loan”) for a minimum loan amount of Php 3,000.

The Loan is available to a cardholder of any of the following BPI Card variants:

  • BPI Blue Mastercard
  • BPI Gold Mastercard
  • Petron-BPI Mastercard
  • BPI-Edge Mastercard
  • BPI Amore Cashback Card
  • BPI Amore Platinum Cashback Card
  • BPI Visa Signature
  • BPI Platinum Rewards Mastercard


APPROVAL - The grant of the Loan shall be subject to appropriate approval. The Bank may perform additional verification for cardholder’s security. The Bank reserves the right to terminate processing of the Loan application and / or deny the same in the event that the  cardholder fails to submit documentary requirements or it becomes aware of any misrepresentation or any circumstances which will disqualify the Cardholder from availing of the Loan.

BALANCE CONVERSION - Only new retail and online transactions worth at least Php 5,000 per transaction billed in the latest Statement of Account can be converted to installment.  Interest, installment, cash advance, and transactions that form part of the revolving balance are not eligible.  Application must be submitted at least five (5) days prior to the due date indicated in the latest Statement of Account.

SUPPORTING DOCUMENTS – For applications that require submission of supporting documents, date reflected in said documents should not be more than three (3) months prior to date of application.

METHOD OF PAYMENT - The Loan shall be paid in equal and successive monthly installments, as indicated in the Bank’s S.I.P. Loan Charge Form and/or Statement of Account (SOA), which shall commence on the cardholder's next billing date until the Loan is fully paid.

LOAN RATE - Existing Loan rates at the time of receipt of loan application will apply. The monthly installment due from the Loan is computed using the following formula:

Total Loan Amount x Factor Rate of Chosen Term = Monthly Installment Amount

DEFAULT OR BREACH OF CONTRACT - In case of default or failure to pay on time any installment or any outstanding balance set forth in the cardholder's SOA or breach of any of these terms and conditions, Cardholder agrees to the following:

  • the Bank shall have the right to suspend, cancel, or refuse to renew the Card.
  • the Card outstanding balance including the Loan balance plus interest, penalties, fees, and charges (the "Total Outstanding Balance" or "TOB") shall immediately become due and payable, without notice or demand.
  • failure to pay any amount due shall constitute a default of the Loan.

CARD RENEWAL - If for any reason, the Cardholder fails to renew the Card or the Card is not renewed by the Bank, the Cardholder's TOB shall immediately become due and payable.

APPOINTMENT OF THE BANK AS ATTORNEY-IN-FACT - Upon the occurrence of an event of default or any breach of the terms and conditions hereof, the Bank is appointed and shall act as attorney-in-fact with full power and authority to do all acts and deeds in addition to and other than those as herein granted. Cardholder hereby ratifies and confirms all acts and deeds as may be done or performed by the Bank under this authority.

SERVICE FEE - 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.

DISCREPANCY - If the account number provided for crediting of proceeds is invalid or with name discrepancy, the Loan application will not be processed.

LOAN RESTRICTION - A single installment Loan transaction requires only one approval. Splitting into smaller Loan transaction sizes and requiring multiple Loan transaction approvals shall not be allowed.

CREDIT LIMIT – If the total Loan amount applied is more than the available credit limit, application will be processed and approved based on the available credit limit.

MANAGER'S CHECK - For proceeds disbursed via Manager's Check (MC), Cardholders agree to claim the MC within thirty (30) days from issuance date. Unclaimed MCs after the lapse of said period will be automatically cancelled along with the S.I.P. Loan transaction, without notice.

PRE-TERMINATION BY CARDHOLDER - Once approved, S.I.P. Loan transaction can no longer be reversed or cancelled. If Cardholder decides to pre-terminate his Loan application prior to the first billing, the Bank will charge a processing fee of Php 550 plus additional 2% of the Loan principal amount. If pre-termination is done after the first billing, the Bank will charge a processing fee of Php 550 plus applicable interest of the next monthly payment using the diminishing balance method.

DATA PRIVACY STATEMENT - The Cardholder's signature on this application form, his continued use of the Card or access to the BPI website shall constitute his agreement to, and acceptance of, the BPI Data Privacy Statement published in as the same may be revised or updated from time to time. The Cardholder further represents and warrants to the Bank that, prior to submitting any information about an individual (including personal information), all necessary authorization and consent as may be required in compliance with applicable confidentiality and data privacy laws have been obtained to enable the Bank to process such information.

OTHER TERMS AND CONDITIONS - The terms and conditions governing the issuance of the Card as indicated in the card application form and BPI website and the reminders and other provisions contained in all pages of the card carrier, statement/s of account, charge slips and other Card documents or instruments, which are made an integral part hereof by reference, shall likewise be resorted to in instances where they are applicable.

For any concerns, Cardholder may call 24-hour BPI Contact Center at 889-10000 (all areas with "02" area code), 1-800-188-89100 (domestic toll-free for PLDT) and +632 889-10000 (mobile phone and international calls). Bank of the Philippine Islands is regulated by the Bangko Sentral ng Pilipinas.

Customer support


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


Per DTI Fair Trade Permit No. FTEB-171168, Series of 2023

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