0% Installment + Pay Later at SM Retail Brands
Promo Mechanics:
- The promo is open to all existing RCBC Credit Cardholders whose accounts are active and in good credit standing.
- Promo period is from July 8 to December 31, 2022.
- Cardholders can avail of Easyterms 0% Installment for up to 24 months and Buy Now Pay Later scheme using their RCBC Credit Card participating SM Retail Group brands during the promo period.
| Brand | Buy Now Pay Later Available: |
| Department Store | |
| The SM Store | 3 months |
| SM Retail Brands | |
| ACE Hardware | 3, 6 & 12 months |
| Baby Company | 3 & 6 months |
| Bata Shoes | 3 & 6 months |
| Crate and Barrel | 3, 6 & 24 months |
| Crocs | 6 months |
| Forever 21 | 3 months |
| Kultura | 3 months |
| Levi's | 3 & 6 months |
| Our Home | 3, 6, 12 & 24 months |
| Pet Express | 3 & 6 months |
| Simply Shoes | 3 & 6 months |
| SM Appliance Center | 3, 6, 12 & 24 months |
| Sports Central/ Adidas/ Nike/New Balance/Under Armour | 3 months |
| Surplus | 3 months |
| The Body Shop | 3 months |
| Toy Kingdom | 3 & 6 months |
SM Markets* *Note: Installment in SM Markets is applicable only to select appliances. Grocery items are excluded. | |
| Savemore Market | 3 months |
| SM Supermarket | 3 months |
| SM Hypermarket | 3 months |
Easyterms 0% interest Installment and Buy Now Pay Later
- Easyterms 0% interest is applicable if the cardholder pays his/her monthly installment in full.
- RCBC Credit Cards Easyterms 0% Installment is subject to RCBC Credit Cards' approval.
- RCBC Credit Cardholders have the option to charge their 0% installment transaction on *Buy Now Pay Later “BNPL” scheme wherein the first monthly amortization will be posted on the cardholder’s statement after the third cut-off date.
- 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 offer.
- If the cardholder decides to pay the installment plan in full before maturity, a pre-termination fee of Php500 or 5% of the unpaid principal amount, whichever is higher, will be charged.
