You are in
Personal Banking
Personal Banking
Wealth Management
SME Banking
Institutional Banking
About BPI
You are in
Personal Banking
Personal Banking
Wealth Management
SME Banking
Institutional Banking
About BPI
  • What would you like to search today?
    Type in atleast 3 characters to begin your search

You're exiting this website

Once you leave our page, you’ll be covered by the policy and security measure of the site you are visiting

Proceed
Cancel
Promotion highlights
Green check icon

Real 0% S.I.P.

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

Green check icon

Up to 100% Bonus Madness Limit

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

Green check icon

Maximize wellness options

So many participating merchants to get your health and wellness needs.  

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

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

2. BPI Cardholders are entitled to avail of the Special Installment Plans:

  • Real 0% installment program. This allows cardholder to avail up to 24 months Real 0% installment at partner merchant.
  • S.I.P. monthly add-on program. This allows cardholder to avail of installment at low monthly add-on interest term.
TermsFactor ratesAdd-on rate
3 months0.3433331.00%
6 months0.1766671.00%
9 months0.1211111.00%
12 months0.0908330.75%
18 months0.0630560.75%
24 months0.0491670.75%

Sample computation (using factor rate for 12-month term)

Price x Factor rate:

Php 25,000 x 0.090833 = Php 2,270.83

Total installment:

Php 2,270.83 x 12 months = Php 27,249.96

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.

Customer support

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

Don't miss out on other latest promotions
Credit cards

BPI Real Deal with Ogawa

Get a free UV sterilizer box worth Php 2,000 and enjoy up to 40% off on select items with your
View promotion
  • Shopping and essentials
  • Installments
Credit cards

Special Installment Plan at Partner Health and Wellness Merchants

Enjoy a special installment plan of up to 24 months with our health, wellness, hospitals, clin
View promotion
  • Health and wellness
  • Installments
Featured
Credit cards

La-Z Boy Real 0% SIP

Enjoy up to 24 months Real 0% S.I.P. on select items with your BPI Credit Card.
View promotion
  • Installments
  • Shopping and essentials
Credit cards

Real 0% SIP at Partner Fashion and Retail Merchants

Enjoy Real 0% installment of up to 24 months with our fashion and retail partner merchants
View promotion
  • Installments
  • Shopping and essentials
Credit cards

Watch Republic at Real 0% S.I.P.

Get 3 months Real 0% S.I.P. at WatchRepublicShop.com with your BPI Credit Card
View promotion
  • Shopping and essentials
  • Installments
EXPLORE PROMOTIONS
We use cookies

We use cookies to improve your experience and provide you with better services. By continuing to browse our website, you agree to our privacy policy.

ABOUT - BPI
Who we are
Investor Relations
Governance
News
Sustainability
Careers
Site Links
Data Privacy
Financial Consumer Protection
Corporate office
Bank of the Philippine Islands

Ayala Triangle Gardens Tower 2, Paseo de Roxas corner Makati Avenue, Makati City 1226 

 

appStore
googlePlay

BPI is a proud member of   | BPI is regulated by the Bangko Sentral ng Pilipinas https://www.bsp.gov.ph

© Copyright 2023. All rights reserved.