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Real 0% S.I.P.

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

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Get the latest Samsung S22 Series

Enjoy affordable payment terms when you use your BPI Credit Card.

Up to 100% Bonus Madness Limit

Qualified credit cardholders can enjoy a bonus installment credit limit of up to 100% of their regular credit line.

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 Family Credit Card

2. BPI Cardholders are entitled to avail of the Real 0% S.I.P. Program. This allows cardholders to avail up to 24 months Real 0% installment program at Merchant.

SRP0% Monthly payment
12 months
24 months
Galaxy S22 Ultra 512GB
Php 80,990Php 6,749.17Php 3,374.58
Galaxy S22 Ultra 256GBPhp 72,990
Php 6,082.50Php 3,041.25
Galaxy S22 Ultra 128GBPhp 68,990Php 5,749.17Php 2,874.58
Galaxy S22+ 256GBPhp 60,990
Php 5,082.50Php 2,541.25
Galaxy S22+ 128GBPhp 56,990
Php 4,749.17Php 2,374.58
Galaxy S22 256GBPhp 49,990Php 4,165.83Php 2,082.92
Galaxy S22 128GBPhp 45,990Php 3,832.50Php 1,916.25

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.

b. The terms may be available for select items only.

c.  All installment transactions are subject to BPI’s approval.

d. Cardholder can also choose to avail of other S.I.P. 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. Should the Credit Cardholder decide to terminate the S.I.P. transaction prior to the first billing, BPI will charge an early termination fee of Php 550 plus an additional 2% on the principal amount. If pre-termination is done after 1st billing, the early termination fee is Php 550. The monthly payment shall first be applied to the interest charges then to principal amount using the diminishing balance method.

4. To qualify for the Program, the Cardholder must use his or her Participating BPI 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 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 branches
Alabang Town CenterGaisano Mall Kalibo AklanRobinsons MalolosSM ClarkSM Rosales
Ayala Abreeza Mall
Gaisano Mall TagumRobinsons Manila (Ermita)SM ConsolacionSM Rosario
Ayala Capitol BacolodGateway MallRobinsons NagaSM CubaoSM San Lazaro
Ayala Center CebuGlorietta 2Robinsons Place IlocosSM DasmarinasSM San Mateo
Ayala Centrio MallGreenhillsRobinsons Roxas CitySM DavaoSM San Pablo
Ayala Circuit MallIsland City Mall BoholRobinsons SantiagoSM FairviewSM Sangandaan
Ayala CloverleafKCC Mall GensanRobinsons TagumSM GensanSM Seaside Cebu
Ayala Fairview TerracesKCC MarbelRobinsons ValenciaSM Lanang PremiereSM Southmall
Ayala FelizKCC ZamboangaRockwell PowerplantSM Las PiñasSM Sta. Rosa
Ayala Harbor PointLimketkai MallShangri-La Plaza MallSM LegazpiSM Sucat
Ayala Mall LegazpiMarket MarketSM AngonoSM LemerySM Tarlac
Ayala Mall The 30ThNCCC Mall TagumSM AuraSM LipaSM Taytay
Ayala Malls Bay AreaNeo Calapan MallSM BacolodSM Mandurriao IloiloSM Telabastagan
Ayala MarikinaNepo Mall DagupanSM BacoorSM ManilaSM Trece Martires
Ayala TrinomaPuregold LaoagSM BaguioSM MarikinaSM Tuguegarao
Ayala VertisRobinsons AntipoloSM BaliwagSM MarilaoSM Urdaneta
BQ Mall Bohol CityRobinsons AntiqueSM BatangasSM MasinagSM Valenzuela
Cebu ParkmallRobinsons BacolodSM BF Paranaque
SM MegacenterSMDC Light Mall
CSI La UnionRobinsons ButuanSM CabanatuanSM MegamallSta Lucia East Mall
CSI Mall LucaoRobinsons CalasiaoSM CalambaSM MOAStarmall Alabang
D Mall BoracayRobinsons CebuSM CDO 1 UptownSM MolinoThe Podium
Festival MallRobinsons Dumaguete
SM CDO Downtown PremierSM NagaTutuban Mall
Fisher MallRobinsons IliganSM CebuSM North EdsaUptown Mall BGC
Gaisano IliganRobinsons IloiloSM City East OrtigasSM NovalichesVictoria Plaza Davao
Gaisano Mall DavaoRobinsons Jaro
SM City LucenaSM OlongapoXentro Mall Vigan
Gaisano Mall DigosRobinsons LipaSM City Puerto PrincesaSM Pampanga 
Customer support

For any questions or clarifications, please contact (+632) 721-47777.

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

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