SM Store's Buy Now, Pay Later at 0% Installment


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 3 months & Buy Now Pay Later* scheme on all items for a minimum single-receipt purchase of ₱5,000 using their RCBC Credit Card.
  4. Promo is valid in-store and via Personal Shopper (card-present) transactions.

*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 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 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-244758 Series of 2025