0% Installment at SM Gadgets in participating SM Stores


Promo Mechanics

  1. The promo is open to all RCBC Credit Cards Cardholders whose accounts are active and in good credit standing.
  2. Promo runs until October 15, 2024 at all branches of SM Store, except SM Aura, SM General Santos, SM San Fernando, SM Megacenter, SM Quiapo, and SM Valenzuela.
  3. Cardholders can avail of 0% installment for up to 24 months & Buy Now Pay Later* on select items from participating brands at SM Store Gadgets inside participating SM stores, subject to the following single-receipt minimum spend requirements:
Minimum Purchase Requirement0% Installment Term
₱5,00012 months
₱10,00024 months
  1. Promo is not valid in conjunction with other ongoing promos of SM Store and RCBC Credit Cards.
  2. Any dispute concerning the products or services related to the promo offer shall be settled directly between the cardholder and the Merchant, with the concurrence of the DTI, if needed.

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

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-197871 Series of 2024