0% Installment + Buy Now Pay Later at Our Home

PROMO MECHANICS

  1. The promo is open to all existing RCBC Credit Card holders whose accounts are active and in good standing.
  2. Promo runs until December 31, 2025.
  3. Cardholders can avail of 0% Installment for up to 24 months and Buy Now Pay Later* on select items, subject to the following spend requirements:
      • 12 months:  ₱50,000 1
      • 24 months: ₱70,000 2

Buy Now Pay Later (BNPL) scheme wherein the first monthly amortization will be posted up to three months later.

1  12 MONTHS 0% INSTALLMENT Terms & Conditions

  1. Offer is valid on in-store transactions only. Call to Deliver and Online transactions are EXCLUDED from the promo.
  2. Offer is applicable to furniture and accessories, excluding those at 30% OFF and above.
  3. All mattresses are EXCLUDED from the promo, unless specified in special sale events.
  4. In conjunction with or applies to SMAC SALE of EXTRA 10% OFF if the sum of all discounts is still below 30% OFF.
  5. Not in conjunction with SMAC SALE if the extra discount is higher than 10% OFF, unless specified.
  6. Not in conjunction with Bundles, BOGOs, and other special sale events of Our Home unless specified.

2  24 MONTHS 0% INSTALLMENT Terms & Conditions

  1. Offer is valid on in-store transactions only. Call to Deliver and Online transactions are EXCLUDED from the promo.
  2. Offer is applicable to furniture only, excluding 30% OFF and above.
  3. All accessories and mattresses are excluded from the promo, unless specified in special sale events.
  4. Not in conjunction with or applies to SMAC SALE.
  5. Not in conjunction with Bundles, BOGOs, and other special events of Our Home unless specified.
  6. Offer is not applicable during the 3-Day Sale, SM Prestige, and other Sale Events at Our Home.

Easyterms 0% Interest Installment and Buy Now Pay Later

  1. Easyterms 0% interest is applicable if the cardholder pays his/her monthly installment in full.
  2. The application and implementation of RCBC Credit Cards' Easyterms 0% Installment is subject to RCBC Credit Cards' approval.
  3. Easyterms 0% installment merchant partners have the sole discretion over the term/s, item/s, minimum spend requirement, and availability of Buy Now Pay Later (BNPL) applicable for the 0% interest offering.
  4. If the cardholder decides to pay the installment plan in full before maturity, a pre-termination fee of ₱500.00 or 5% of the unpaid principal amount, whichever is higher, will be charged.

DTI Fair Trade Permit No. FTEB- 230359, Series of 2025