Promotion highlights
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Real 0% S.I.P.

Get up to 12 months Real 0% S.I.P. with your BPI Credit Card.

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Up to 100% Bonus Madness Limit

Get a bonus installment credit limit of up to 100% of your regular credit line.

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S.I.P. with add-on

Get up to 24 months S.I.P. with low monthly add-on rates.

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

  • Blue Mastercard
  • Gold Mastercard
  • Petron-BPI Mastercard
  • Platinum Rewards Mastercard
  • Edge Mastercard
  • Corporate Mastercard
  • Amore Cashback Card
  • Amore Platinum Cashback Card
  • Visa Signature Card
  • BPI Family Credit Card

2. BPI cardholders are entitled to avail of the Real 0% installment program. This allows cardholders to avail up to 12 months Real 0% installment at partner merchants.

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 or higher depending on the merchant.

b. The terms and spend requirement may vary per merchant and may be available for select items/services only.

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

d. Cardholder can also choose to avail of other S.I.P. feature:

Up to 100% Bonus Madness Limit for qualified BPI Credit Cardholders

Qualified Credit Cardholders with good credit standing 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 principal amount using the diminishing balance method:

  • BPI will charge an early termination fee of Php 550 plus 20% on the principal amount should the cardholder decide to terminate the S.I.P. transaction prior to the first billing.
  • BPI will charge an early termination fee of Php 550 for S.I.P. transactions terminated after 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.

Participating merchants
  • Acewin Travel&Tours  
  • Alana Services
  • Amkor Travel&Tours  
  • Ark Travel Express  
  • Alviera Country Club
  • Bonjour Travel  
  • Cathay Pacific Corp.
  • Centro Hotel Corps
  • Comfort & Leisure Trv  
  • Destination Special  
  • E&E Sky Travel  
  • Global Link Tourism  
  • Grandhope Venture  
  • Horizon Travel  
  • Island Resort Club  
  • Jing Trv Wide  
  • Pan Asiaworld Holidays
  • Philippine Airlines
  • Shadow Travel  
  • Sofitel Plaza Corp.
  • Trajet Tour&Travel  
  • Travelbest Guide
  • Travelonline Phil  
  • Uni Orient Travel 

Note: The terms may vary per merchant and may be available for select items only.

S.I.P. monthly add-on program

You may also opt to pay for your installment purchase at low monthly add-on rates in the event that Real 0% installment term is not being offered by the partner merchants. Interest rates per merchant may vary per industry.

TermsFactor ratesAdd-on rates
3 months0.3433331.00%
6 months0.1766671.00%
9 months0.1211111.00%
12 months0.0933331.00%
18 months0.0655561.00%
24 months0.0516671.00%

How to compute
Price x factor rate = monthly amortization
Monthly amortization x no. of installment months = price of total installment with interest

Customer support

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

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