0% Installment + Pay Later at SM Retail Brands


Promo Mechanics:

  1. The promo is open to all existing RCBC Bankard cardholders whose accounts are active and in good credit standing.
  2. Promo period is from July 8 to December 31, 2022.
  3. Cardholders can avail of Easyterms 0% Installment for up to 24 months and Buy Now Pay Later scheme using their RCBC Bankard credit card participating SM Retail Group brands during the promo period.
BrandBuy Now Pay Later Available:
Department Store
The SM Store3 months
SM Retail Brands
ACE Hardware3, 6 & 12 months
Baby Company3 & 6 months
Bata Shoes3 & 6 months
Crate and Barrel3, 6 & 24 months
Crocs6 months
Forever 213 months
Kultura3 months
Levi's3 & 6 months
Our Home3, 6, 12 & 24 months
Pet Express3 & 6 months
Simply Shoes3 & 6 months
SM Appliance Center 3, 6, 12 & 24 months
Sports Central/ Adidas/ Nike/New Balance/Under Armour3 months
Surplus3 months
The Body Shop3 months
Toy Kingdom3 & 6 months

SM Markets*

*Note: Installment in SM Markets is applicable only to select appliances. Grocery items are excluded.


Savemore Market3 months
SM Supermarket3 months
SM Hypermarket3 months

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. RCBC Bankard Easyterms 0% Installment is subject to RCBC Bankard’s approval.
  3. RCBC Bankard cardholders have the option to charge their 0% installment transaction on *Buy Now Pay Later “BNPL” scheme wherein the first monthly amortization will be posted on the cardholder’s statement after the third cut-off date.
  4. Easyterms 0% installment merchant partners have the sole discretion over the term/s, item/s, minimum spend requirement and availability of BNPL applicable for the 0% interest offer.
  5. If the cardholder decides to pay the installment plan in full before maturity, a pre-termination fee of Php500 or 5% of the unpaid principal amount, whichever is higher, will be charged.