Real 0% SIP: Digital Walker

1. The Program is open to cardholders of participating BPI Credit Cards whose accounts are active and in good standing.

BPI Credit Cards 

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

2. BPI Credit Cardholders are entitled to avail of Real 0% Special Installment Plan (SIP) Program. This allows cardholders to avail of up to 36 months Real 0% SIP at participating branches of Merchant.

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 or higher

b. The terms may be available for select items only.

c. All installment transactions are subject to BPI's approval.

d. Cardholder can also choose to avail of the other SIP 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.

Buy Now Pay up to 3 months Later

First monthly amortization will be posted to the BPI Credit cardholder’s account up to 3 months later from date of purchase. Succeeding amortizations shall be billed every month thereafter until full transaction amount is paid in full.

e. The monthly payment shall first be applied to the interest charges then to principal amount using the diminishing balance method

          e.1. BPI will charge an early termination fee of Php 550 + 20% on the principal amount should the cardholder decides to terminate the SIP transaction prior to the 1^st billing.

e.2. BPI will charge an early termination fee of Php 550 for SIP transactions terminated after the 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 the 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.