Christmas in October at SM Appliance Center

1. The promo is open to all RCBC Credit Cards Cardholders whose accounts are active and in good credit standing.
2. Promo is valid from October 1 to 31, 2026.
3. Cardholders can enjoy the following offers at SM Appliance Center when they use their RCBC Credit Card in-store to purchase during the promo period:
1. Up to 40% OFF on purchases at 0% Installment for up to 24 months plus Buy Now, Pay Later. Minimum spend requirement applies:

2. Free ₱400 Starbucks Card with every purchase of select Ranges, Washing Machines or Dryers

4. Promo is not valid in conjunction with other ongoing promos of SM Appliance Center and RCBC Credit Cards.
5. In case of disputes related to the promo, the decision of SM Appliance Center and RCBC Credit Cards 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.
6. 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.

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 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.