Promotion highlights
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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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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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Open to all BPI Credit Cardholders

So many participating cards you can use to avail of this promo

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 Platinum Rewards Mastercard / BPI Platinum Rewards Card

2. BPI cardholders are entitled to avail of the Real 0% installment program. This allows cardholders to avail up to 24 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

Here are the participating merchants for fashion and retail Real 0% S.I.P.

158 Designers BoulevardG2000Ralph Lauren
Acme JewelryGapReebok
AdidasGeleiaReef
Adidas OriginalsGeoxRegatta
AdoraGiordanoRes Toe Run
AeropostaleGivenchyRimowa
AerosolesGo SportRockport
AetrexGoldmineRookie USA
AigleGolf DepotRoxy
AkimboGrindRoyal Gem
Aksel Trading GuerlainRoyal Sporting House
Alberto ShoesGuessRTD David Ventures
Alexander MacqueenGuess BabyRunner
American TouristerGuiseppe ZanottiRunwayone
An Orig PenguinH&F ConceptsSaint Laurent 
AnelloHackettSalomon
Anne KleinHamley'sSamsonite
ArchiveHan's Bag ShoppeSaucony
ArenaHarlan + HoldenSebago
Armani ExchangeHedgrenSecret Designer
Athleema Inc.HermesShia Boutique
Athletico InternationalHeroesShiseido
AvedoHerschelShoe Salon
Baby & CompanyHole in the WallShoemaker's Shop
BackjoyHugoShoething
Bacolod Total SportsHush PuppiesShowroom 7 Inc.
BalenciagaHydro FlaskSimply Shoes
BallyIloilo SBF SportsSkechers
BalmainInnisfreeSledgers
BasekampIntersportSneakpeak
BassJB SportsSpecialized Elite
Bata ShoesJessicaSperry Concept
Beauty BarJewelmerSportfit Inc.
Ben ShermanJimmy ChooSports Central
Benefit CosmeticsJohnson FitnessSports House
Benggel & Gray Gen. MerchandiseJosephSports Warehouse
Big Ben JeansKate SpadeSportsline
BillabongKedsSpringfield
Bobbi BrownKenneth ColeStance
BootCampKenzoStand and Stride
Bottega VenetaKultura FilipinoSteve Madden
BradfordKurt GeigerStradivarius
Brands AvenueLa Bella FashionStyle Venue
BrandsmartLacosteSuperbing Corp.
BratpackLacoste AccessoriesSuperdry
Bric'sLagalag OutdoorSuperga
Brooks BrothersLaura MercierSuperspy
BTX Jeans StoreLe SportsacSurplus Shop
BurberryLegoTaktiks Concept
BurtonLevi'sTeam Sport Center
Calvin KleinLiningTeam Sports
CapitalL'Occitane BoutiqueTerra & Agua
Carolina HerreraLoewe The Athlete's Foot
Charina Sarte BoutiqueLushThe Body Shop
Charming CharlieLuxasia RetailThe North Face
Chris FitnessLuxebrandThe Outlet People
Chris SportsMACThe Playground
Christian DiorMag Closet BtqThe Travel Club
CK JeansMagnifico JeansThexchange
Clark Shoe StoreMake RoomThomas Sabo
Classic All StarMake Up For EverThule
CliniqueMarc JacobsTitanomachy Inc.
Club ClioMarks & SpencerToby's Sports
CoachMaster Sports Corp.Tods
Cole HaanMaxicollector ToysTod's Leather
ColemanMaxiworks Toys ShopTommy Hilfiger
Columbia SportswearMendrezTopman
CommonwealthMerrellTopshop
ComplexMichael KorsTory Burch
ConverseMiladayToy Kingdom
CougarMontain Hard WearToys for the Big Boys
CrocsMs. SelfridgeToy's R Us
CUL-DE-SACMujiTramper
Daiso JapanNarsTrefoil Store
DCNativeTrendy Rack
DelseyNew BalanceTretorn
DeuterNew EraTripologie
DistinqtNike FactoryTumi
Dorothy PerkinsNike ForumTutto Moda
Dr. MartensNike ParkTwo Chic Inc.
DuneNike StadiumUberfinds Clothing & Accessories
Easecox International GroupNinewestUnder Armour
Ecko UnlimitedNOGL NominationUniqlo
Elecom AccessoriesOakleyUnivers D'Home
Elizabeth ArdenOfficineUrban Athletics
ElleseOld NavyUrban Concepts
Erica & Ysabella FashionOlympic VillageUrbanize
ErminginildoOne IconVans
Estee LauderO'NeillVan's
EtamOptions BoutiqueVersace
F&FOur TribeVia Venetto
Fair N Square Emporium Inc.Pacsafe Travel StoreVictorinox
FelicityParfoisVince Camuto
FerragamoPatrick's ToysVintage Bag
Fit Sports OutletPaul & SharkVL & Sons Enterprises
FitflopPeg PeregoWalkstar Shop
Flight 001PenshoppeWarehouse
FlossyPerry EllisWenger
Folded & HungPiquadroWomen's Secret
Footaction International Mfg.Planet SportsWorld Balance
Forever 21Polo KidsWrangler
Fred PerryPopquestY-3
Freeway & SoloPradaYonex
FurlaPremium Sole InternationalYosi Samra
Fushion ConceptPromodYves Rocher
G & GPumaYves Saint Laurent
G by GuessQuiksilverZara
G ForceRakshionista BoutiqueZhia's Closet
Customer support

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

Featured programs

Special Installment Plan with Aigle

Enjoy Real 0% Special Installment Plan of up to 12 months with your BPI Credit Card.

Special Installment Plan with Akimbo

Enjoy up to 12 months Real 0% SIP with your BPI Credit Card.

Special Installment Plan with Balmain

Enjoy up to 12 months Real 0% SIP with your BPI Credit Card.

Special Installment Plan with CUL-DE-SAC

Enjoy up to 12 months Real 0% SIP with your BPI Credit Card.

Special Installment Plan with Kenzo

Enjoy up to 12 months Real 0% SIP with your BPI Credit Card.
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Watch Republic at Real 0% S.I.P.

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Featured

100% Bonus Madness Limit

Enjoy increased purchasing power with up to 100% of additional limit on your installment purch
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