Promotion highlights
green check icon

Avail of Real 0% SIP

Get 3 months Real 0% SIP when you check-out with your BPI Credit Card.

green check icon

Get 100% Bonus Madness Limit

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

Promotion mechanics

1. The Promo is open to BPI Credit cardholders in good standing with any of the following participating cards:

BPI Credit Cards

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

2. BPI Credit cardholders are entitled to avail of Real 0% Special Installment Plan Program. This allows cardholders to avail of 3 months Real 0% SIP at ZALORA.

3. How to Avail:

a. Visit the Zalora Mobile App or website.

b. Add the preferred item/s to cart, proceed to check out page and fill in the required details.

c. On the check-out page, select “Payment Method”.

d. Select “BPI Special Installment Plan” as payment option.

e. The total amount will reflect on the screen.  

f. Click “Place Order” button.

g. You will be redirected to the BPI Page to input the BPI Credit Card details.

h. BPI will send an OTP to your registered mobile number. The transaction will be authorized only when you key in your OTP.

i. You will receive an order confirmation email from ZALORA.

j. The monthly installments due shall be posted on the Cardholder’s succeeding monthly statements of account.


4. 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 and monthly add-on interest 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 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.

e. The monthly payment shall first be applied to the interest charges then to the principal amount using the diminishing balance method   

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

 e.2 aBPI will charge an early termination fee of Php 550 for SIP transactions terminated after the first billing.


5. To qualify for the Program, the cardholder must use his or her Participating BPI Credit Card to pay for his or her purchases at Merchant.

6. Any dispute concerning the products and/or services related to the Program shall be settled directly between the cardholder and Merchant.

7. 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


For any questions or clarifications, please email ZALORA Philippines via



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


BPI is regulated by the Bangko Sentral ng Pilipinas

Related information

Real 0% SIP is now available online

Enjoy up to 36 months Real 0% SIP at select merchants nationwide with your BPI Credit Card.