Shop Now, Pay Later at Toys”R”Us


PROMO MECHANICS

  1. The promo is open to all RCBC Credit Cards Cardholders whose accounts are active and in good credit standing.
  2. Promo period is from March 1 to May 31, 2026, applicable for in-store or Call-to-Order with card-present transactions.
  3. The 0% Interest Installment Summer Shop Now, Pay Later 2026 offer at Toys”R”Us is available with the following tenors:
      • 3 months tenor with a min. single-receipt purchase of ₱3,000 on all items
      • 6 months tenor with a min. single-receipt purchase of ₱5,000 on select items
  4. All Summer Shop Now, Pay Later transactions will be billed to the cardholder’s account up to three (3) months later depending on the cardholder's cut-off date and transaction date and every month thereafter until the total amount payable is paid in full.

    To further illustrate:

      • If purchase is made before cut-off date, billing will be deferred for 2 months.
      • If purchase is made after cut-off date, billing will be deferred for 3 months.
  5. Promo is not valid in conjunction with other existing promotional offers of RCBC Credit Cards and Toys”R”Us.
  6. In case of disputes related to the promo, the decision of Toys”R”Us 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.
  7. 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% 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%  Interest 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-248633 Series of 2026