Real 0% S.I.P. at partner home improvement merchants

Enjoy a special installment plan of up to 24 months with our partner home improvement merchants

Promotion highlights

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.

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 Credit Cardholders of participating BPI Credit Cards in good standing. The participating BPI Credit Cards are as follows:

BPI Credit Cards

BPI Amore Cashback Card 
BPI Amore Platinum Cashback Card
BPI Corporate Card
BPI Edge Card
BPI Gold Rewards Card 
Petron BPI Card 
BPI Platinum Rewards Card
BPI Rewards Card 
BPI Signature Card

2. BPI Credit Cardholders are entitled to avail of the Special Installment Plans:

Real 0% installment program. This allows cardholder to avail up to 24 months Real 0% installment at partner merchant.
S.I.P. monthly add-on program. This allows cardholder to avail of installment at low monthly add-on interest term.

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. Minimum spend requirement and availability may vary per tenor and per 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

Ace Builders
Ace Express
Ace Hardware
AllHome
Ambiance One Fine Furniture
At Home Furniture
Belmont Hardware
Better Living Tile
Blue Fields Trading
Cable Fine Furniture
Caravan Furnishings
Cebu Belmont, Inc.
Cellini
Ceramic Plaza
Citibeds
Citylife Hardware
Crate & Barrel
CW Home Depot
Deejays Textile
Design Fusion Furniture
Digital Interface
Do-It-Best
E Marquez Furniture
Easy Home Furniture
Edia Home
Eliza's Home Ideas
Everest Rattan
Expo Home Depot
Expo Tile & Bath & Home
Extraordinary Great Tiles
Fatima HomeWorld
Gaisano Mall of Digos
Gigaohms Electronics
Goldtown Industrial
Guava Sketch
Guiao Reyes Furniture
Handyman
Handyman Expressmart
Han's Infinite
Hapihomes Furniture
Hardware Exchange
Harley's Home Hardware
Hendric Furniture
Home Design
Home Gallery
Home Refresh Furniture
Homeplus
Homewise Furniture
Howard Furniture
Infinity Home Furnishings
Ital Design Furniture
J Gainza's Furniture
Lifestyle Interior
Living Innovations Corp.
Livingwell Home
Luxe Light
M.T. Guiao Furniture
Mackun Hardware
Make Room
Mandaue Foam
Maquiling Hardware
Matt Mason
Maxene's Home Ideas
Mulitmax Foam Industries
Multiflex RNC
NCCC Hardwaremaxx
Olivan @ Home
Olivan Hardware
Our Home
Perfect Home
Philux
Polyflex Industries
Polyfoam RGC International
Pottery Barn
Rai Strong Builders
San yang
Savers Place Furniture
Suki Marketing
Sylpauljoyce Furniture
Tempur
The DIY
True Home
True Value
Victoria Mondiale
Viva Home
West Elm
Wilcon Builders
Wooden Creation
Workstation Hardware
ZLS Lifestyle Interiors
Ikea

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.