0% Installment + Buy Now Pay Later at SM Appliance

Promo Mechanics

  1. The promo is open to all existing RCBC Bankard cardholders whose accounts are active and in good credit standing.
  2. The promo is only valid until December 31, 2022. See the list of stores here.
  3. Cardholders can avail of Easyterms 0% installment for up to 24 months and Buy Now Pay Later using their RCBC Bankard during the promo period.
  4. In case of disputes related to the promo, the decision of SM Appliances and RCBC Bankard shall be conclusive in concurrence with DTI. All questions or disputes regarding the Cardholder’s eligibility for the promo shall be resolved by RCBC Bankard.

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. RCBC Bankard Easyterms 0% Installment is subject to RCBC Bankard’s approval.
  3. RCBC Bankard cardholders have the option to charge their 0% installment transaction on Buy Now Pay Later scheme wherein the first monthly amortization will be posted on the cardholder’s statement after the third cut-off date.
  4. Easyterms 0% installment merchant partners have the sole discretion over the term/s, item/s, minimum spend requirement and availability of BNPL applicable for the 0% interest offering.
  5. If the cardholder decides to pay the installment plan in full before maturity, a pre-termination fee of Php500.00 or 5% of the unpaid principal amount, whichever is higher, will be charged.

**Buy Now Pay Later is available for 24 months 0% installment only.

Per DTI Fair Trade Permit No. FTEB-134638 Series of 2022