Promo Highlights
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Exclusive discount with your BPI Credit Card

Enjoy 20% off on elegant timepieces for a minimum installment spend.

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Real 0% SIP 

Enjoy up to 12 months Real 0% SIP with your BPI Credit Card. 

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Buy Now, Pay 3 Months Later

Defer your first monthly installment payments and pay 3 months later.

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Bonus Madness Limit 

Get up to 100% Bonus Madness Limit on your installment purchases for qualified credit cardholders.  

Promo Mechanics

Promo Offer

Enjoy 20% off on elegant timepieces for a minimum installment purchase of PHP 10,000 using your BPI Credit Card.

  • Promo runs from August 1, 2025 to December 31, 2025

Special Installment Plan for qualified BPI Credit Cardholders 

  • Up to 12 months Real 0% SIP. Offer is available on 3, 6, 9 and 12 Months Tenor.
  • Buy Now Pay 3 Months Later
  • Up to 100% Bonus Madness Limit your installment purchases for qualified credit cardholders 
     

Mechanics

1. The Promo is open to Cardholders with participating BPI Credit Cards whose accounts are active and in good standing:  

BPI Credit Cards   

  • BPI Amore Cashback Card  
  • BPI Amore Platinum Cashback Card 
  • BPI Corporate Card 
  • BPI Edge Card 
  • BPI Gold Rewards Card  
  • BPI Platinum Rewards Card 
  • BPI Rewards Card  
  • BPI Signature Card 
  • Petron BPI Card  

2. The Promo Period is from August 1 to December 31, 2025.

3. BPI Credit Cardholders are entitled to the following exclusive offers within the Promo Period: 

  • Enjoy 20% off on elegant timepieces for a minimum installment purchase of PHP 10,000 using your BPI Credit Card.
  • Special Installment Plan for qualified BPI Credit Cardholders 
    • Up to 12 months Real 0% SIP. Offer is available on 3, 6, 9, 12 Months Tenor.
    • Buy Now Pay 3 Months Later
    • Up to 100% Additional Bonus Madness Limit for installment purchases

4. To qualify for the offer, the Cardholder must use his or her participating bank Credit Card to pay for his or her purchases at Merchant.  

5. Offer should be given instantly where the purchase was made.

6. The cardholder shall review and agree to be bound by the terms and conditions of the Merchant.  

Program Mechanics – Special Installment Plan

1. The Program is open to cardholders of participating BPI Credit Cards whose accounts are active and in good standing.

BPI Credit Cards    

  • BPI Amore Cashback Card    
  • BPI Amore Platinum Cashback Card   
  • BPI Corporate Card   
  • BPI Edge Card   
  • BPI Gold Rewards Card    
  • BPI Platinum Rewards Card     
  • BPI Rewards Card     
  • BPI Signature Card 
  • Petron BPI Card   

2. BPI Credit Cardholders are entitled to avail of Real 0% Special Installment Plan (SIP) Program. This allows Cardholders to avail of up to 12 months Real 0% SIP at Merchant.  

3. The Cardholder shall review and agree to be bound by the terms and conditions of the Special Installment Plan (SIP):  

a. The SIP Real 0% installment terms are available for a minimum single-receipt purchase requirement of PHP 3,000 or higher.   

TenorMinimum Spend Requirement

3 months

PHP 3,000

6 months

PHP 6,000

9 months

PHP 8,000

12 months

PHP 10,000

b. The terms may be available for select items only.   

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

d. The cardholder can also choose to avail of the other SIP features:  

  • Up to 100% Bonus Madness Limit for qualified BPI Credit Cardholders  

Subject to favorable credit history, qualified Credit Cardholders 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. The monthly payment shall first be applied to the interest charges then to principal amount using the diminishing balance method.

e.1. BPI will charge an early termination fee of PHP 550 + 2% on the principal amount should the cardholder decides to terminate the SIP transaction prior to the 1st billing.

e.2. BPI will charge an early termination fee of PHP 550 for SIP transactions terminated after the 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. In the event of a dispute related solely to the Bank's processes and the customers' participation in this Program, the Bank will make a decision, which will be considered final within the context of this offer. However, if the dispute involves the Participating Merchant and its performance and/or delivery of products to the customer, subject to the General Provisions set out above, the decision of the Participating Merchant shall be considered final. This resolution process does not preclude the customer from pursuing further legal remedies as provided by law.

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.  

How to Avail

1. Visit any participating branch of merchant.  

2. Use any of the participating BPI Credit Cards to pay for your purchases. Qualified BPI Credit Cardholders may avail of up to 12 months Real 0% SIP.  

3. Available installment terms: 3, 6, 9 and 12 months. Terms may be available for select items. Valid for a minimum installment spend of PHP 3,000 or higher. Minimum installment spend requirement may vary per tenor. 

Participating Branches
Merchant NameLocation

SM City Davao

Unit 218, SM City Davao, Quimpo Blvd cor. Tulip and Ecoland Drive, Ecoland Subd., Matina, Davao City

SM North EDSA

Level 2, City Center, SM North Edsa, North Avenue corner EDSA, Quezon City, Metro Manila

SM Mall of Asia

Level 1, North Main Mall, SM Mall of Asia, SM Mall of Asia, Seaside Blvd., Pasay City, Metro Manila

Customer Support
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Coach

For queries and comments, please contact the following:  

Call: (+632) 8633-0345 / (+632) 8633-3601

 

BPI

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-231718, Series of 2025.

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