Special Installment Plan with CUL-DE-SAC

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 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 Platinum Rewards Mastercard / BPI Platinum Rewards Card
• BPI Visa Signature Card / BPI Signature Card

2. BPI Credit cardholders are entitled to avail of the Real 0% Special Installment Plan (S.I.P.) program, which allows them to enjoy Real 0% installment for up to 12 months at the 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:

b. The Installment terms may be available on all regular priced items. Sale and/or promotional items may not be included.

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

d. Cardholder can choose to avail of the other SIP features: 

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 the principal amount using the diminishing balance method

• BPI will charge an early termination fee of Php 500 + 20% on the principal amount should the cardholder decide to terminate the SIP transaction prior to the first billing. 
• BPI will charge an early termination fee of Php 500 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 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. 

Noble House

For inquiries, you may visit the Noble House Customer Support page. 

BPI

For inquiries and comments, please send us a message or call our 24-hour BPI Contact Center at (+632) 889-10000.