0% Interest at The SM Store

0% Interest 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 January 1 to December 31, 2017.
  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

Easyterms 0% Installment

RCBC Bankard cardholders can pay their transactions in installment for 3 months on select items at 0% interest for a minimum single-receipt purchase of P5,000.00.

  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.

Per DTI- FTEB Permit 12230, Series of 2016


  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 credit 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 to the cardholder’s third cut-off date. Succeeding amortizations shall be billed every month thereafter until full transaction amount is paid in full.
  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. The approved installment transaction is automatically deducted from the cardholder’s available regular credit limit.
  6. 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.