My Diamond Real 0% SIP  

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. 

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.  

e. The monthly payment shall first be applied to the interest charges then to principalthe 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.  

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.