Promotion highlights
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Real 0% SIP

Enjoy 3 months Real 0% SIP with your BPI Credit Card.

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Buy Now Pay 3 Months Later

Defer your first monthly installment payments and pay 3 months later with your BPI Credit Card.

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Bonus Madness Limit

Up to 100% additional credit limit on your installment purchases for qualified credit cardholders.

Promotion mechanics

1. The Promo is open to cardholders with 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. The Promo Period is from January 1, 2024 to December 31, 2024

3. BPI Credit cardholders are entitled to the following offers within the Promo Period:

  • Special Installment Plan
    • 3 months Real 0% SIP
    • Buy Now Pay 3 months Later
    • Additional Bonus Madness Limit for qualified credit cardholders

4. To qualify for the offer, the cardholder must use his or her participating BPI Credit Card to pay for his or her purchases at Merchant. 

5. Prize is non-convertible to cash.

6. SM Store will not replace lost or damaged prizes caused by the winner (cardholder).

7. SM Store and Participating Banks reserve the right to disclose and publish names, photos and other information of the winners in any mode or manner as they deem appropriate.

8. Employees of SM Store and its accredited advertising agencies and suppliers, and their family relatives up to 2nd degree of consanguinity or affinity are disqualified from participating in the promotion.

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

10. The cardholder agrees that should his or her purchase be found fraudulent, BPI shall have the right to charge the value of the offer to his or her card.

11. The promo is not valid in conjunction with any ongoing promos of Merchant. 

12. Any dispute concerning the products and/or services related to the promo offer shall be settled directly between the cardholder and Merchant with the concurrence of DTI.

13. In case of dispute in respect to BPI only and the customers' availment of the Promo, the decision of BPI with the concurrence of DTI shall be considered final. However, if the dispute involves participating Merchant and its performance and/or delivery of products to customers, subject to the General Provisions set out above, the decision of BPI and Merchant with the concurrence of DTI shall be considered final.

14. Terms and conditions governing the issuance and use of BPI Credit 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: Special Installment Plan

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 3 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):

 

Terms and Conditions

a. The SIP Real 0% installment terms are available for a minimum single-receipt purchase requirement of Php 5,000.

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 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 

  • BPI will charge an early termination fee of Php 550 + 20% on the principal amount should the  cardholder decide to terminate the SIP transaction prior to the 1st billing. 
  • 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.

Customer support

SM Store

For inquiries, call ‎(+632) 881-10000.

 

BPI

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

 

Per DTI Fair Trade Permit No. FTEB- 182402 Series of 2023.

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