AllHome Real 0% Installment

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 Rewards Card
• BPI Corporate Card
• BPI Edge Card
• BPI Gold Rewards Card
• Petron BPI Card
• BPI Signature Card

2. BPI Credit Cardholders are entitled to the following installment Program:

• Real 0% Installment Program
  • Enjoy up to 24 months Real 0% installment term.

3. 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 are available for a minimum single-receipt purchase requirement of Php 3,000.
b. The terms may vary per branch and may be available for select items only.
c. All installment transactions are subject to BPI approval.
d. Cardholder can also choose to avail of other S.I.P. 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. Should the Credit Cardholder decide to terminate the SIP transaction prior to the first billing, BPI will charge an early termination fee of Php 550 plus an additional 2% interest on the principal amount. If pre-termination is done after 1st billing, the early termination fee is Php 550. 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 BPI Credit 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.