Get the best value from all your spending through our various cards packed with exciting deals and features you will love.
Get up to 24 months Real 0% S.I.P. with your BPI Credit Card.
Get a bonus installment credit limit of up to 100% of your regular credit line.
Get up to 24 months S.I.P. with low monthly add-on rates.
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
2. BPI Cardholders are entitled to avail of the Special Installment Plans:
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 mercha
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:
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.
Note: The terms may vary per merchant and may be available for select items only.
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.
| Terms | Factor Rates | Add-On Rates |
|---|---|---|
| 3 months | 0.343333 | 1.00% |
| 6 months | 0.176667 | 1.00% |
| 9 months | 0.121111 | 1.00% |
| 12 months | 0.093333 | 1.00% |
| 18 months | 0.065556 | 1.00% |
| 24 months | 0.051667 | 1.00% |
How to compute
Price x factor rate = monthly amortization
Monthly amortization x no. of installment months = price of total installment with interest
For inquires and comments, send us a message or call our 24-hour BPI Contact Center at (+632) 889-10000.
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| BPI is regulated by the Bangko Sentral ng Pilipinas https://www.bsp.gov.ph
