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

Up to 100% Bonus Madness Limit
Get a bonus installment credit limit of up to 100% of your regular credit line.

Open to all BPI Credit Cardholders
So many participating cards you can use to avail of this promo
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.
Here are the participating merchants for fashion and retail Real 0% S.I.P.
158 Designers Boulevard | G2000 | Ralph Lauren |
Acme Jewelry | Gap | Reebok |
Adidas | Geleia | Reef |
Adidas Originals | Geox | Regatta |
Adora | Giordano | Res Toe Run |
Aeropostale | Givenchy | Rimowa |
Aerosoles | Go Sport | Rockport |
Aetrex | Goldmine | Rookie USA |
Aigle | Golf Depot | Roxy |
Akimbo | Grind | Royal Gem |
Aksel Trading | Guerlain | Royal Sporting House |
Alberto Shoes | Guess | RTD David Ventures |
Alexander Macqueen | Guess Baby | Runner |
American Tourister | Guiseppe Zanotti | Runwayone |
An Orig Penguin | H&F Concepts | Saint Laurent |
Anello | Hackett | Salomon |
Anne Klein | Hamley's | Samsonite |
Archive | Han's Bag Shoppe | Saucony |
Arena | Harlan + Holden | Sebago |
Armani Exchange | Hedgren | Secret Designer |
Athleema Inc. | Hermes | Shia Boutique |
Athletico International | Heroes | Shiseido |
Avedo | Herschel | Shoe Salon |
Baby & Company | Hole in the Wall | Shoemaker's Shop |
Backjoy | Hugo | Shoething |
Bacolod Total Sports | Hush Puppies | Showroom 7 Inc. |
Balenciaga | Hydro Flask | Simply Shoes |
Bally | Iloilo SBF Sports | Skechers |
Balmain | Innisfree | Sledgers |
Basekamp | Intersport | Sneakpeak |
Bass | JB Sports | Specialized Elite |
Bata Shoes | Jessica | Sperry Concept |
Beauty Bar | Jewelmer | Sportfit Inc. |
Ben Sherman | Jimmy Choo | Sports Central |
Benefit Cosmetics | Johnson Fitness | Sports House |
Benggel & Gray Gen. Merchandise | Joseph | Sports Warehouse |
Big Ben Jeans | Kate Spade | Sportsline |
Billabong | Keds | Springfield |
Bobbi Brown | Kenneth Cole | Stance |
BootCamp | Kenzo | Stand and Stride |
Bottega Veneta | Kultura Filipino | Steve Madden |
Bradford | Kurt Geiger | Stradivarius |
Brands Avenue | La Bella Fashion | Style Venue |
Brandsmart | Lacoste | Superbing Corp. |
Bratpack | Lacoste Accessories | Superdry |
Bric's | Lagalag Outdoor | Superga |
Brooks Brothers | Laura Mercier | Superspy |
BTX Jeans Store | Le Sportsac | Surplus Shop |
Burberry | Lego | Taktiks Concept |
Burton | Levi's | Team Sport Center |
Calvin Klein | Lining | Team Sports |
Capital | L'Occitane Boutique | Terra & Agua |
Carolina Herrera | Loewe | The Athlete's Foot |
Charina Sarte Boutique | Lush | The Body Shop |
Charming Charlie | Luxasia Retail | The North Face |
Chris Fitness | Luxebrand | The Outlet People |
Chris Sports | MAC | The Playground |
Christian Dior | Mag Closet Btq | The Travel Club |
CK Jeans | Magnifico Jeans | Thexchange |
Clark Shoe Store | Make Room | Thomas Sabo |
Classic All Star | Make Up For Ever | Thule |
Clinique | Marc Jacobs | Titanomachy Inc. |
Club Clio | Marks & Spencer | Toby's Sports |
Coach | Master Sports Corp. | Tods |
Cole Haan | Maxicollector Toys | Tod's Leather |
Coleman | Maxiworks Toys Shop | Tommy Hilfiger |
Columbia Sportswear | Mendrez | Topman |
Commonwealth | Merrell | Topshop |
Complex | Michael Kors | Tory Burch |
Converse | Miladay | Toy Kingdom |
Cougar | Montain Hard Wear | Toys for the Big Boys |
Crocs | Ms. Selfridge | Toy's R Us |
CUL-DE-SAC | Muji | Tramper |
Daiso Japan | Nars | Trefoil Store |
DC | Native | Trendy Rack |
Delsey | New Balance | Tretorn |
Deuter | New Era | Tripologie |
Distinqt | Nike Factory | Tumi |
Dorothy Perkins | Nike Forum | Tutto Moda |
Dr. Martens | Nike Park | Two Chic Inc. |
Dune | Nike Stadium | Uberfinds Clothing & Accessories |
Easecox International Group | Ninewest | Under Armour |
Ecko Unlimited | NOGL Nomination | Uniqlo |
Elecom Accessories | Oakley | Univers D'Home |
Elizabeth Arden | Officine | Urban Athletics |
Ellese | Old Navy | Urban Concepts |
Erica & Ysabella Fashion | Olympic Village | Urbanize |
Erminginildo | One Icon | Vans |
Estee Lauder | O'Neill | Van's |
Etam | Options Boutique | Versace |
F&F | Our Tribe | Via Venetto |
Fair N Square Emporium Inc. | Pacsafe Travel Store | Victorinox |
Felicity | Parfois | Vince Camuto |
Ferragamo | Patrick's Toys | Vintage Bag |
Fit Sports Outlet | Paul & Shark | VL & Sons Enterprises |
Fitflop | Peg Perego | Walkstar Shop |
Flight 001 | Penshoppe | Warehouse |
Flossy | Perry Ellis | Wenger |
Folded & Hung | Piquadro | Women's Secret |
Footaction International Mfg. | Planet Sports | World Balance |
Forever 21 | Polo Kids | Wrangler |
Fred Perry | Popquest | Y-3 |
Freeway & Solo | Prada | Yonex |
Furla | Premium Sole International | Yosi Samra |
Fushion Concept | Promod | Yves Rocher |
G & G | Puma | Yves Saint Laurent |
G by Guess | Quiksilver | Zara |
G Force | Rakshionista Boutique | Zhia's Closet |
For inquires and comments, send us a message or call our 24-hour BPI contact center at (+632) 889-10000.

Special Installment Plan with Aigle

Special Installment Plan with Akimbo

Special Installment Plan with Balmain

Special Installment Plan with CUL-DE-SAC
