0% Installment + Buy Now Pay Later at SM Appliance


Promo Mechanics

  1. The promo is open to all existing RCBC Credit Cardholders whose accounts are active and in good credit standing.
  2. The promo is only valid until December 31, 2023. 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 Credit Card during the promo period.
  4. In case of disputes related to the promo, the decision of SM Appliances and RCBC Credit Cards/RCBC Bankard Services Corp. (RBSC) shall be conclusive in concurrence with DTI. All questions or disputes regarding the Cardholder’s eligibility for the promo shall be resolved by RCBC Credit Cards/RBSC.

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 Credit CardsEasyterms 0% Installment is subject to RCBC Credit Cards' approval.
  3. RCBC Credit 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-158476 Series of 2023