Promotion highlights
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Enjoy longer and lighter payment terms

Enjoy up to 24 months Real 0% SIP with your BPI Credit Card.

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Get 100% Bonus Madness Limit

Up to 100% additional credit limit on your installment purchases.

Promotion mechanics

Special Installment Plan

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

BPI Credit Cards   

  • Amore Cashback Card  
  • Amore Platinum Cashback Card  
  • Blue Mastercard   
  • Corporate Mastercard  
  • Edge Mastercard  
  • Gold Mastercard   
  • Petron-BPI Mastercard  
  • Platinum Rewards Mastercard   
  • Visa Signature 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 24 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):


Terms and conditions

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

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

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

d. 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.

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 + 20% on the principal amount should the  cardholder decides to terminate the SIP transaction prior to the 1st billing. 
  • 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. 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 branches



Ayala Center Cebu

3F Ayala Center Cebu, Cebu Business Park, Cebu

Glorietta 2

3F Glorietta 2, Ayala Center, Makati

Lucky Chinatown Mall

3F Lucky Chinatown Mall Binondo, Manila

San Jose

LGF Quirino Hi-way cor. Kaypian Rd., Brgy. Kaypian, San Jose del Monte City, Bulacan

SM Bacoor

4F Cyberzone, SM City Bacoor Gen. Emilio Aguinaldo Hi-way, Tirona St. Habay II, Bacoor Cavite

SM Bicutan

2F SM City Bicutan Bldg. B, Brgy. Don Bosco, Paranaque City

SM Calamba

2F Space 273, Sm City Calamba, National Hi-way, Brgy. Real, Calamba City Laguna

SM Cebu

2F SM City North Wing, Cebu City

SM City North EDSA

5F SM City Annex, EDSA cor. North Ave., Quezon City

SM Dasmariñas

2F Sampaloc 2, SM Damariñas, Pala-Pala, Cavite City

SM Fairview

3F Stall 303, SM City Fairview Quirino Hi-way Fairview, Q.C.

SM Lipa

2F Unit 298 Cyberzone, SM City Lipa, JP Laurel Hi-way, Lipa City, Batangas

SM Mall of Asia

2F North Wing Unit 227, Cyberzone, SM Mall of Asia, Pasay

SM Manila

GF SM Cyberzone, SM City Manila

SM Marikina

GF #150 SM City Marikina, Marcos Hi-way, Calumpang Marikina City

SM Megamall

4F SM Megamall Bldg. B EDSA Mandaluyong City

SM Pampanga

2F SM City Pampanga, Brgy. San Jose, San Fernando Pampanga

SM San Lazaro

2F SM San Lazaro Mall, Feliz Huertas St., cor. Tayuman, Manila


2F Space # 2081 TriNoma, North Triangle, Quezon City

Waltermart Tanauan

2F Waltermart Center, JP Laurel Hi-way, Brgy. Darasa, Tanuan City Batangas
Customer support


​​​​​​​For inquiries, you may call us at (02) 8921-0888 or 09209328523.



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

Related information

Real 0% SIP Online

Enjoy up to 36 months Real 0% SIP at select merchants nationwide with your BPI Credit Card.