Karat World Promo

Promo Offer

• Enjoy up to 50% off on Gold Jewelry and 55% off on Diamond Jewelry using your BPI or Robinsons Bank Card
• Additional 5% off on Gold Jewelry exclusively for BPI and Robinsons Bank Cardholders

Special Installment Plan for qualified BPI Credit Cardholders  

• Up to 12 months Real 0% SIP. Minimum spend varies per tenor. Offer applies to 6 mos. and 12 mos. Real 0% SIP.
• Buy Now Pay 3 months Later 
• Additional bonus madness limit for installment purchases 

Promo runs until from May 15 to August 15, 2025

Mechanics

1. The Promo is open to cardholders with participating BPI or Robinsons Bank Credit and Debit Cards whose accounts are active and in good standing:  

BPI Credit Card

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

BPI Debit Card

Robinsons Bank Debit Card

• Visa Debit Card
• Simple Savings Card

Robinsons Bank Credit Card

• DOS Card
• Robinsons Cashback Card

2. The Promo Period is from May 15 to August 15, 2025

3. BPI or Robinsons Bank Credit and Debit Cardholders are entitled to the following exclusive offers within the Promo Period: 

• Enjoy up to 50% off on Gold Jewelry and 55% off on Diamond Jewelry using your BPI or Robinsons Bank Card
• Additional 5% off on Gold Jewelry exclusively for BPI and Robinsons Bank Cardholders
• Special Installment Plan for BPI Credit Cardholders
  • Up to 12 months Real 0% SIP. Minimum spend varies per tenor. Offer applies to 6 mos. and 12 mos. Real 0% SIP
    • 6 months: PHP 40,000 and below
    • 12 months: PHP 40,001 and above
  • Buy Now Pay 3 Months Later
  • Up to 100% Bonus Madness Limit on installment purchases for qualified BPI Credit Cardholders

4. To qualify for the offer, the cardholder must use his or her participating BPI or Robinsons Bank Credit or Debit 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.   

7. The offer is not convertible to cash or credit.  It may not be exchanged with any other service. 

8. The cardholder agrees that should his or her purchase be found to be an act of fraud that he or she initiated, conspired or participated with another person or found to be fraudulent, the Bank shall have the right to charge the value of the discount to his or her card.

9. The promo is not valid in conjunction with any ongoing promos of Merchant. In the purchase of goods and services which are on promotional discount, in compliance to the Expanded Senior Citizen Act of 2010 (R.A. 9994) an Act Expanding Benefits and Privileges of Persons with Disability (PWD) (R.A. 10754), the senior citizen or PWD can avail of the promotional discount or the discount provided under the said laws, whichever is higher, if applicable.     

10. Any dispute concerning the product related to the Promo offer shall be settled directly between the cardholder and Merchant with the concurrence of DTI.  

11. In the event of a dispute related solely to the Bank's processes and the customers' participation in this Promo, the Bank shall decide thereon/shall render a decision, with the concurrence of DTI, which shall be considered final within the context of this promotional offer. However, if the dispute involves the participating Merchant and its performance and/or delivery of products to customer, subject to the General Provisions set out above, the decision of the Bank and Merchant with the concurrence of DTI shall be considered final. This resolution process does not preclude the customer from pursuing further legal remedies as provided by law.

12. Terms and conditions governing the issuance and use of BPI and/or Robinsons Bank Credit or Debit Cards, reminders and other provisions contained in the 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 to this promo. 

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    
• Petron BPI Card   
• BPI Platinum Rewards Card    
• BPI Rewards Card    
• BPI 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 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.

• 6-month term: Minimum single-receipt purchase requirement of  PHP 40,000 and below.

• 12 month term: Minimum single-receipt purchase requirement of Php 40,001 and above

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 + 20% 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. 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. 

1. Visit any participating branch of merchant.  

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

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

Terms             Minimum Installment Spend Requirement

6 months      |    PHP 40,000 and below

12 months     |     PHP 40,001 and above

Karat World

For any questions or clarifications, please contact (+63) 922 820 7406 | (+632) 7358-9634

BPI

For inquires 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- 223825, Series of 2025

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