Our Home Promo

Get 10% off on regular priced items with your BPI Credit and Debit Card. Plus, extra 5% off on sale items and up to 24 months FlexipayZero.

Promo Highlights

Upgrade your home with BPI

Get 10% off on regular priced items with your BPI Credit and Debit Card. Plus, extra 5% off on sale items.

FlexipayZero

Enjoy up to 24 months FlexipayZero with your BPI Credit Card.

FlexipayLater

Defer your first monthly installment payment and pay 3 months later.

Bonus Madness limit 

Up to 100% additional Bonus Madness Limit on your installment purchases for qualified credit cardholders.

Promo Mechanics

Promo Offer

Get 10% off on regular priced items with your BPI Credit and Debit Card. Plus, extra 5% off on sale items and up to 24 months FlexipayZero.
Promo runs from November 15, 2026 to December 14, 2026.
Flexipay for qualified BPI Credit Cardholders
- Up to 24 months FlexipayZero
- FlexipayLater
- Up to 100% additional Bonus Madness Limit your installment purchases for qualified credit cardholders

Mechanics

1. The Promo is open to Cardholders with participating BPI Credit or Debit 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
- BPI Signature Wealth Card
- Petron BPI Card
- BPI DOS Card
- Robinsons Cashback Card, powered by Visa
- BPI Free+ Card
- BPI Omni Card
BPI Debit Cards

2. The Promo Period is from November 15, 2026 to December 14, 2026.

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

Get 10% off on regular priced items with your BPI Credit and Debit Card.
Get extra 5% off on discounted items (of up to 25% off)
Flexipay for qualified BPI Credit Cardholders
- Up to 24 months FlexipayZero
- FlexipayLater
- Up to 100% additional Bonus Madness Limit on installment purchases for qualified credit cardholders.

4. To qualify for the offer, the Cardholder must use his or her participating BPI Credit or Debit Card 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.

General Terms and Conditions

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

2. 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 full amount of the transaction to his or her card inclusive of any discount availed or extended.

3. 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.

4. 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.

5. Any dispute concerning the products related to the Promo offer shall be settled directly between the Cardholder and Merchant with the concurrence of DTI.

6. Terms and conditions governing the issuance and use of the BPI Credit or Debit Cards and 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.

Program Mechanics – Flexipay

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
BPI Signature Wealth Card
Robinsons Cashback Card, powered by Visa

2. Participating BPI Credit Cardholders are entitled to avail of the FlexipayZero Program. This allows Cardholders to avail of up to 24 months 0% interest on installments at Merchant.

3. The Cardholder shall review and agree to be bound by the terms and conditions of Flexipay:

a. The FlexipayZero installment terms are available for a minimum single-receipt purchase requirement of PHP 15,000 or higher.

Tenor	Minimum Spend Requirement
3 months	Php 15,000
6 months	Php 30,000
12 months	Php 60,000
24 months	Php 80,000

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 Flexipay features:

Up to 100% additional 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.

FlexipayLater

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 + 2% on the principal amount should the cardholder decide to terminate the Flexipay transaction prior to the 1st billing.

e.2. BPI will charge an early termination fee of PHP 550 for Flexipay 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 installment purchases at the participating Merchant’s point-of sale terminal.

5. 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.

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.

How to Avail

1. Visit any participating branch of merchant.

2. Use any of the participating BPI Credit or Debit Cards to pay for your purchases.

3. Qualified BPI Credit Cardholders may avail of up to 24 months FlexipayZero. Available installment terms: 3, 6, 9, 12 and 24 months. Terms may be available for select items. Valid for a minimum installment spend of PHP 5,000 or higher.

4. Enjoy this deal.

Participating Merchants

Branch Name	Address
Bacolod	SM City Bacolod Reclamation Area Bacolod City 6100
Bacoor	SM City Bacoor Aguinaldo Highway, Habay II Bacoor Cavite
Baguio	SM City Baguio, Luneta Hill, Upper Session Rd. Baguio City
Batangas	SM City Batangas, Brgy. Pallocan Kanluran Batangas City
BF Parañaque	SM City BF Parañaque, BF Homes, Dr. A. Sucat Paranaque City
Cagayan de Oro	SM City Cagayan de Oro Brgy Upper Carmen Cagayan de Oro City
CDO Downtown Premier	SM CDO Downtown Premier, C. M. Recto St. Corner Osmeña St. Barangay 24 (POB), Misamis Oriental
Cebu	SM City Cebu, Annex North Reclamation Area, Mabolo Cebu City
Clark	SM City Clark, M.A Roxas Highway, Clark Freeport Zone Philippines
Dasmariñas	SM City Damariñas Governor's Drive Brgy., Sampaloc 1 Dasmariñes, Cavite
Davao	SM City Davao, Quimpo Blvd, Ecoland Subd, Brgy. Matina, Davao City
Fairview	Upper Ground Floor, SM City Fairview Quirino Highway Corner Regalado Avenue Pasong Putik Novaliches Quezon City
Iloilo	Lower Ground Floor, SM City Iloilo Benigno Aquino Ave., Mandurriao Iloilo City
Lanang	SM Lanang Premier, JP Laurel Avenue, San Antonio Agdao District, Davao City
Legazpi	SM City Legaspi Imelda Roces Avenue Zone 9 Bgy. 37 - Bitano (POB.), Legazpi City (Capital) Albay Philippines 4500
Lucena	SM City Lucena Dalahican, Cor. Maharlika Highway, Brgy Ibabang Dupay Lucena City Quezon
Mall of Asia	WM 166-167 Ground Floor, Entertainment Mall, SM Mall of Asia, JW Diokno Blvd., CBP - IA, Pasay City 1300
Marilao	SM City Marilao , MC Arthur HighWay, Brgy. Ibayo Marilao Bulacan
Megamall	Lower Ground Floor, Bldg. A, EDSA Brgy. Wack Wack Mandaluyong City
North Edsa	SM City North Edsa Cor North Ave Quezon City
Pampanga	SM City Pampanga, Annex Bldg., San Jose, San Fernando Pampanga
San Lazaro	SM City San Lazaro,Felix Huertas Corner A H Lacson Sts. Sta Cruz, Manila
Seaside Cebu	SM Seaside City Cebu, South Road Properties, Cebu City
SM Butuan	SM City Butuan Jose C. Aquino Avenue, Barangay Lapu-Lapu Butuan City Agusan Del Norte
SM Cabanatuan	SM City Cabanatuan, Maharlika Highway, Brgy. H, Concepcion, Cabanatuan City, Nueva Ecija
SM Grand Central	LGF SM City Grand Central Rizal Avenue Extension,Barangay 88, Zone 8, District II, Grace Park East, Caloocan City
SM Olongapo Central	SM City Olongapo Central Rizal Avenue East Tapinac Olongapo City
SM Tuguegarao	SM City Tuguegarao, Bagay Road (Tuguegarao – Solana RD) Caritan Norte 3500 Tuguegarao City (Capital) Cagayan
Southmall	SM Southmall Bldg. Real St., Almanza Uno, Las Piñas City
Sta. Rosa	SM City Santa Rosa, National Hi-way Tagapo Santa Rosa City
Urdaneta	SM City Urdaneta Nancayasan, Urdaneta City, Pangasinan
V-Mall Greenhills	V212 2nd Floor Greenhills Shopping Center, Ortigas Ave Greenhills San Juan City Metro Manila

Customer Support

Our Home

For any questions or clarifications, please contact the following:

Call: (+63 917) 831-5260
Email: ourhome.customercare@smretail.com

BPI

For inquiries 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-270142, Series of 2026.

Deposits are insured by PDIC up to ₱1 Million per depositor.

Related information

FlexipayZero is now available online

Enjoy up to 36 months 0% interest on installments at select merchants nationwide.

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Never miss a great deal again from BPI Cards with the new OMD! App.

Credit Card Promos

From dining out, travelling, to shopping, enjoy the most out of your BPI Credit Card.

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