0% Installment + Buy Now, Pay Later at SM Store

PROMO MECHANICS

  1. The promo is open to all existing RCBC Credit Cards cardholders whose accounts are active and in good standing.
  2. Promo runs until December 31, 2026.
  3. Cardholders can avail of 0% Installment for 6 months and Buy Now, Pay Later* on all items for a minimum single-receipt purchase of ₱5,000 using their RCBC Credit Card.

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

EASYTERMS 0% INSTALLMENT AND BUY NOW PAY LATER

  1. Easyterms 0% Interest Installment 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 Bankard Services Corporation’s 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.

Per DTI Fair Trade Permit No. FTEB-264294 Series of 2026