0% Installment at The SM Store


  1. The promo is open to all existing RCBC Bankard Principal and Supplementary cardholders (“Cardholders”) whose accounts are active and in good credit standing, excluding RCBC Bankard Union Pay, Corporate, and Dollar credit cards.
  2. Promo runs from October 1 to December 31, 2019.
  3. Promo offer is applicable to installment credit card transactions only.
  4. During the promo period, RCBC Bankard shall offer “Easyterms 0% Installment” at all SM Stores branches nationwide.


  1. The offer cannot be exchanged for cash, gift certificates, privileges, rewards and/or other items/products other than the offers indicated above and cannot be availed of with other ongoing promotions of RCBC Bankard & The SM Store.
  2. Promo offer should be given instantly in the branch where the purchase was made.
  3. Any dispute concerning the promo offer and service shall be settled directly between the Cardholder and The SM Store.
  4. In case of dispute in respect of RCBC Bankard only and the customers’ eligibility and availment of promo, the decision of RCBC Bankard with the concurrence of DTI shall be considered final. However, if dispute involves The SM Store and its performance and/or delivery of services and/or products to customers, subject to the Promo Mechanics stated above, the decision of RCBC Bankard and The SM Store with the concurrence of DTI shall be considered final.
  5. Easyterms 0% interest is applicable if the cardholder pays his/her monthly installment in full.
  6. RCBC Bankard Easyterms 0% Installment is subject to RCBC Bankard’s approval.
  7. If cardholder decides to pay the installment plan in full before maturity, a pre-termination fee of Php500.00 or 5% of the unpaid principal amount, whichever is higher, will be charged.

Per DTI-FTEB Permit No. 14446 Series of 2019