Promotion highlights
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Real 0% S.I.P.

Get up to 12 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

So many participating cards you can use 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 Visa Signature Card / BPI Signature Card
  • BPI Platinum Rewards Mastercard / BPI Platinum Rewards 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 fashion and retail Real 0% S.I.P.

158 Designers BoulevardG ForceRalph Lauren
Adidas OriginalsGapReef
AeropostaleGeoxRes Toe Run
AigleGo SportRookie USA
Aksel Trading  Golf DepotRoyal Sporting House
Alberto ShoesGrindRTD David Ventures
Alexander MacqueenGuerlainRunner
American TouristerGuessRunwayone
An Orig PenguinGuess BabySalomon
AnelloGuiseppe ZanottiSamsonite
Anne KleinH&F ConceptsSaucony
ArenaHamley'sSecret Designer
Armani ExchangeHan's Bag ShoppeShia Boutique
Athleema Inc.Harlan + HoldenShiseido
Athletico InternationalHedgrenShoe Salon
AvedoHermesShoemaker's Shop
Baby & CompanyHeroesShoething
BackjoyHerschelShowroom 7 Inc.
Bacolod Total SportsHole in the WallSimply Shoes
BallyHush PuppiesSledgers
BalmainHydro FlaskSneakpeak
BasekampIloilo SBF SportsSpecialized Elite
BassInnisfreeSperry Concept
Bata ShoesIntersportSportfit Inc.
Beauty BarJB SportsSports Central
Ben ShermanJessicaSports House
Benefit CosmeticsJimmy ChooSports Warehouse
Benggel & Gray Gen. MerchandiseJohnson FitnessSportsline
Big Ben JeansJosephSpringfield
BillabongKate SpadeStance
Bobbi BrownKedsStand and Stride
BootCampKenneth ColeSteve Madden
Bottega VenetaKenzoStradivarius
BradfordKultura FilipinoStyle Venue
Brands AvenueKurt GeigerSuperbing Corp.
BrandsmartLa Bella FashionSuperdry
Bric'sLacoste AccessoriesSuperspy
Brooks BrothersLagalag OutdoorSurplus Shop
BTX Jeans StoreLaura MercierTaktiks Concept
BurberryLe SportsacTeam Sport Center
BurtonLegoTeam Sports
Calvin KleinLevi'sTerra & Agua
CapitalLiningThe Athlete's Foot
Carolina HerreraL'Occitane BoutiqueThe Body Shop
Charina Sarte BoutiqueLushThe North Face
Charming CharlieLuxasia RetailThe Outlet People
Chris FitnessLuxebrandThe Playground
Chris SportsMACThe Travel Club
Christian DiorMag Closet BtqThexchange
CK JeansMagnifico JeansThomas Sabo
Clark Shoe StoreMake RoomThule
Classic All StarMake Up For EverTitanomachy Inc.
CliniqueMarc JacobsToby's Sports
Club ClioMarks & SpencerTods
CoachMaster Sports Corp.Tod's Leather
Cole HaanMaxicollector ToysTommy Hilfiger
ColemanMaxiworks Toys ShopTopman
Columbia SportswearMendrezTopshop
CommonwealthMerrellTory Burch
ComplexMichael KorsToy Kingdom
ConverseMontain Hard WearToys for the Big Boys
CougarMs. SelfridgeToy's R Us
CUL-DE-SACNarsTrefoil Store
Daiso JapanNativeTrendy Rack
DCNew BalanceTretorn
DelseyNew EraTripologie
DeuterNike FactoryTumi
DistinqtNike ForumTutto Moda
Dorothy PerkinsNike ParkTwo Chic Inc.
Dr. MartensNike StadiumUberfinds Clothing & Accessories
DuneNinewestUnder Armour
Easecox International GroupNOGL NominationUniqlo
Ecko UnlimitedOakleyUnivers D'Home
Elecom AccessoriesOfficineUrban Athletics
Elizabeth ArdenOld NavyUrban Concepts
ElleseOlympic VillageUrbanize
Erica & Ysabella FashionOne IconVans
Estee LauderOptions BoutiqueVia Venetto
EtamOur TribeVictorinox
F&FPacsafe Travel StoreVince Camuto
Fair N Square Emporium Inc.ParfoisVintage Bag
FelicityPatrick's ToysVL & Sons Enterprises
FerragamoPaul & SharkWalkstar Shop
Fit Sports OutletPeg PeregoWarehouse
Flight 001Perry EllisWomen's Secret
FlossyPiquadroWorld Balance
Folded & HungPlanet SportsWrangler
Footaction International Mfg.Polo KidsY-3
Forever 21PopquestYonex
Fred PerryPradaYosi Samra
Freeway & SoloPremium Sole InternationalYves Rocher
FurlaPromodYves Saint Laurent
Fushion ConceptPumaZara
G & GQuiksilverZhia's Closet
G by GuessRakshionista Boutique 
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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