Offer Mechanics


1.  The offer is open to cardholders in good standing. The qualified BPI Credit Cards are as follows: 

2.  Cardholders should use their qualified BPI Credit Card to avail of Special Installment Plan (S.I.P.) on Real 0% interest and reduced add-on rates at any participating merchants at a minimum spend.

3.  Purchase of one (1) unit of any selected item is considered a single purchase transaction. A single purchase transaction requires only one approval. Splitting the single purchase transaction across several participating BPI cards or into smaller transaction sizes which will consequently require multiple transaction approvals will not be allowed. However, if a client wishes to purchase more than one unit of the selected item, each unit can be charged as a single purchase transaction to different BPI participating cards.

4.  BPI shall offer Special Installment Plan (SIP) Real 0% interest terms on select items for a minimum purchase for BPI credit cardholders only

5.  Should the credit cardholder decide to terminate the SIP transaction prior to the first billing, BPI Cards will charge an early termination fee of P550 plus an additional 2% interest on the principal amount. If pre-termination is done after 1st billing, the early termination fee is P550. The monthly payment shall first be applied to the interest charges then to principal amount using the diminishing balance method.

6.  Offer cannot be exchanged for cash, gift certificates, privileges, rewards and/or other items/products.

7.  Offer should be given instantly at the merchant branch where the purchase was made.

8.  Any dispute concerning the offer, or service shall be settled directly between the Cardholder and merchant.

9.  In case of dispute in respect of BPI only and the customers' availment of Real 0%, the decision of BPI with the concurrence of DTI shall be considered final and irrevocable. However, if dispute involves merchant and its performance and/or delivery of services and/or products to customers, subject to the General Provisions set out above, the decision of BPI and merchant.

10.  The terms and conditions governing issuance of BPI 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 offer


Mindanao Participating Merchants 

1.  Aj Carhub

2.  Davao Molave Tire Supply

3.  Decudao Cycle

4.  Emcor

5.  Good Year

6.  Image Cars

7.  Japnar Trak

8.  Joesons

9.  Karrjackson Auto Shop

10.  Northmin Performance

11.  Realson

12.  Ridea Concept

13.  Rubberland Auto Parts

14.  Southern Motors

15.  Go Autoworks Lab –CDO

16.  Jun & Jay Car Care Center Co

17.  Northmin Performance-CDO

18.  Mazda - Kauswagan CDO

19.  Honda Cars Cagayan

20.  Japnar Trak –CDO

21.  Joeson's Commercial -Osmena CDO

22.  Aj Carhub CDO

23.  Image Cars Davao (Subaru Davao)

24.  Davao Bonifacio Motors (Tata Davao)

25.  Real Lubeman Davao – Cabaguio

26.  Real Lubeman Davao – Tionko

27.  Real Lubeman Davao – Matina

28.  Realson Clutch-Matina Davao