Promo Mechanics:

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

  • Blue Mastercard, Gold Mastercard, Petron-BPI Mastercard, BPI SkyMiles Mastercard, BPI SkyMiles Platinum Mastercard, BPI Visa Signature, Edge Mastercard, BPI Amore Visa, BPI Amore Platinum Visa, and BPI Family Credit Mastercard.

2. Cardholders should use their qualified BPI Express Credit card to avail of Special Installment Plan (S.I.P.) on Real 0% interest or SIP Add-on for a minimum* purchase on select items and terms.


For Real 0%:

Merchant Name Minimum Spend Term
Gstore P5,000 up to 6 months
NCC Department Store P3,000 3 months
P5,000 up to 6 months
KCC Department Stores P3,000 up to 6 months


For SIP Add-on:

Merchant Name Minimum Spend Term
Gstore   P3,000 up to 24 months
NCC Department Store
KCC Department Stores


3. The approved installment transaction is automatically deducted from the cardholder’s available regular credit limit.

4. If a cardholder decides to pre-terminate his (S.I.P.) transaction prior to the first billing, BPI Express Credit will charge a pre-termination fee of P550 plus an additional 2% interest on the principal amount. If the pre-termination is done after the 1st billing, monthly payment shall first be applied to the interest then to the principal using the diminishing balance method plus a pre-termination fee of P550.

5. The terms and conditions governing the issuance of the BPI Express Credit and the reminders and other provisions contained in the 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.

List of Branches:

Merchant Name


G Store

G Store Davao

G Store Toril

G Store Tagum

G Store Gensan

G Store Digos

NCCC Department Store

NDS Magsaysay

NDS Tagum

NDS Matina Pangi 

NDS Cabantian

NDS Panacan

NDS Kapalong

NDS Calinan

NDS Buhangin

NDS Mintal

NDS Calinan

NDS Buhangin

NDS Nabunturan


KCC Department Stores