Get 10% off on all regular priced and sale items with your BPI Card. Plus, up to 6 months...
Sep 1 – Dec 31, 2026
Eligible cards
Also 1 older card the bank no longer offers.
Stylish and timeless sneakers
Get 10% off on all regular priced and sale items with your BPI Card.
FlexipayZero
Enjoy up to 6 months FlexipayZero with your BPI Credit Card.
FlexipayLater
Defer your first monthly installment payments and pay 3 months later.
Bonus Madness Limit
Up to 100% Additional Bonus Madness Limit on your installment purchases for qualified credit cardholders.
Flexipay for qualified BPI Credit Cardholders
The Promo Period is from September 1, 2026 to December 31, 2026.
Participating BPI Credit and Debit Cardholders are entitled to the following exclusive offers within the Promo Period:
Flexipay for qualified BPI Credit Cardholders
To qualify for the offer, the Cardholder must use his or her participating BPI Credit or Debit Card to pay for his or her purchases at Merchant.
Offer should be given instantly where the purchase was made.
The cardholder shall review and agree to be bound by the terms and conditions of the Merchant.
The offer is not convertible to cash or credit. It may not be exchanged with any other service.
The cardholder agrees that should his or her purchase be found to be an act of fraud that he or she initiated, conspired or participated with another person or found to be fraudulent, the Bank shall have the right to charge the full amount of the transaction to his or her card inclusive of any discount availed or extended.
The Promo is not valid in conjunction with any ongoing promos of Merchant. In the purchase of goods which are on promotional discount, in compliance to the Expanded Senior Citizen Act of 2010 (R.A. 9994) an Act Expanding Benefits and Privileges of Persons with Disability (PWD) (R.A. 10754), the senior citizen or PWD can avail of the promotional discount or the discount provided under the said laws, whichever is higher, if applicable.
In the event of a dispute related solely to the Bank's processes and the customers' participation in this Promo, the Bank shall decide thereon/shall render a decision, with the concurrence of DTI, which shall be considered final within the context of this promotional offer. However, if the dispute involves the participating Merchant and its performance and/or delivery of products to customer, subject to the General Provisions set out above, the decision of the Bank and Merchant with the concurrence of DTI shall be considered final. This resolution process does not preclude the customer from pursuing further legal remedies as provided by law.
Any dispute concerning the products related to the Promo offer shall be settled directly between the Cardholder and Merchant with the concurrence of DTI.
Terms and conditions governing the issuance and use of the BPI Credit or Debit Cards and 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 to this Promo.
Participating BPI Credit Cardholders are entitled to avail of the FlexipayZero Program. This allows Cardholders to avail of up to 6 months 0% interest on installments at Merchant.
The Cardholder shall review and agree to be bound by the terms and conditions of Flexipay:
a. The FlexipayZero installment terms are available for a minimum single-receipt purchase requirement of PHP 3,000 or higher.
| Tenor | Minimum Spend Requirement |
|---|---|
| 3 months | PHP 3,000 |
| 6 months | PHP 8,000 |
b. The terms may be available for select items only.
c. All installment transactions are subject to BPI’s approval.
d. The cardholder can also choose to avail of the other Flexipay features:
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 transactions will automatically be deducted from the Madness limit. 100% Bonus Madness Limit is only applicable to installment transactions.
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 + 2% on the principal amount should the cardholder decide to terminate the Flexipay transaction prior to the 1st billing.
e.2. BPI will charge an early termination fee of PHP 550 for Flexipay transactions terminated after the first billing.
To qualify for the Program, the cardholder must use his or her participating BPI Credit Card to pay for his or her installment purchases at the participating Merchant’s point-of sale terminal.
In the event of a dispute related solely to the Bank's processes and the customers' participation in this Promo, the Bank shall decide thereon/shall render a decision, with the concurrence of DTI, which shall be considered final within the context of this promotional offer. However, if the dispute involves the participating Merchant and its performance and/or delivery of products to customer, subject to the General Provisions set out above, the decision of the Bank and Merchant with the concurrence of DTI shall be considered final. This resolution process does not preclude the customer from pursuing further legal remedies as provided by law.
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.
| Tenor | Minimum Spend Requirement |
|---|---|
| 3 months | PHP 3,000 |
| 6 months | PHP 8,000 |
View the full list of participating branches here.
For questions or clarifications, please call the indicated contact numbers of the respective branch.
For inquiries and comments, please send us a message or call our 24-hour BPI Contact Center at (+632) 889-10000.
DTI Fair Trade Permit No. FTEB-265151, Series of 2026.
Summarised from BPI's public promo page. Banks can change or end promos at any time, so check the official page before you pay.
Other banks
The same kind of deal, from other banks.
Visit any participating branch of merchant.
Use any of the participating BPI Credit or Debit Cards to pay for your purchases.
Qualified BPI Credit Cardholders may avail of up to 6 months FlexipayZero. Available installment terms: 3 and 6 months. Terms may be available for select items. Valid for a minimum installment spend of PHP 3,000 or higher.
