0% Installment up to 12 months + Pay Later at The SM Store


Promo Mechanics

  1. The promo is open to all RCBC Bankard cardholders whose accounts are active and in good credit standing.
  2. Promo period is from now until May 31, 2021.
  3. Cardholders can avail of Shop Now, Pay Later and 0% installment with spend requirement using their RCBC Bankard at The SM Store.
0% Installment TermMinimum Spend Requirement
3 months ₱5,000 on ALL items
6 months ₱8,000 on ALL items
12 months ₱12,000 on SELECTED items
  1. Promo is valid in-store and via Call to Deliver (CTD) card-present transactions.
  2. Promo is not valid in conjunction with existing promotional offers of RCBC Bankard and The SM Store.
  3. In case of disputes related to the promo, the decision of The SM Store and RCBC Bankard shall be conclusive in concurrence with DTI. All questions or disputes regarding the Cardholder’s eligibility for the promo shall be resolved by RCBC Bankard.

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 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 offering.
  5. If the 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.

DTI Fair Trade permit number FTEB-116344 Series of 2021