Buy Now, Pay Later at SM Store

1. The promo is open to all EastWest credit cardholders (”Cardholders”) in good credit standing.*

2. Promo period is from October 10 to December 31, 2024.

3. 0% interest on installment payment is available for up to 6 months. The minimum single-receipt purchase amount for installment is Five Thousand Pesos (Php5,000.00) (single or multiple item purchases).

4. Cardholders shall get to shop and pay 2 months later at 0% installment up to 6 months on select items. The minimum purchase amount for installment is Php5,000 (single or multiple item purchases), unless otherwise stated by SM Store. Buy Now, Pay Later is until December 31, 2024, only.

5. 0% interest on installment sample computation:

6. The 0% interest on installment offer shall apply provided Cardholders pay their Total Statement Balance in full.**

7. All 0% interest on installment transactions are subject to EastWest’s credit authorization criteria upon purchase of goods.

8. The Cardholder's EastWest Credit Card account must be active and current at all times. In the event that the Cardholder's EastWest Credit Card is suspended, cancelled, or not renewed, or should the Cardholder fail to make payments, breach or violate the Terms and Conditions Governing the Issuance and Use of EastWest Credit Cards, the remaining unpaid installment amount, as well as the entire outstanding balance of the Cardholder's EastWest Credit Card account, shall immediately become due and demandable.

9. In case of partial payment by the Cardholder of the installment amount, the unpaid balance shall incur the usual finance charges imposed on revolving balances in accordance with the Terms and Conditions Governing the Issuance and Use of EastWest Credit Cards.

10. If the Cardholder pays the installment amount in full per month but has an outstanding or revolving balance on his/her previous/other purchases or installment availments, his/her EastWest Credit Card account shall likewise incur finance charges.

11. In case of pre-termination, the Cardholder agrees to pay an Installment Pre-termination Processing Fee equivalent to 5% of the remaining principal balance or Php500, whichever is higher.

12. Terms and Conditions for Merchant Installment indicated in the Terms and Conditions Governing the Issuance and Use of EastWest Credit Cards shall apply.

13. By joining this promo, the Cardholder confirms that he/she has read, understood, and agreed to the mechanics of the promo, including, but not limited to, these terms and conditions.

14. For any inquiry on the promo or concern on the card account, Cardholders may contact the EastWest 24-Hour Customer Service Hotline at (+632) 8888-1700 or send an e-mail to cards@eastwestbanker.com.

15. In case of disputes related to the promo, the decision of EastWest shall be conclusive. All questions or disputes regarding the Cardholder’s eligibility for the Promo shall be resolved by EastWest and SM Store, with approval from DTI. 

* Cardholders in good credit standing are those whose accounts are not delinquent, not under investigation due to suspected fraudulent activities, those whose EastWest credit cards are not reported lost or stolen, and those who have not, otherwise, violated any of the Terms and Conditions Governing the Issuance and Use of EastWest Credit Cards.

** Each fixed monthly installment forms part of the Total Statement Balance. Should the Cardholder opt to pay only the minimum payment due, this would include only a percentage of the monthly installment. In which case, an interest charge will be imposed in addition to the applicable interest due on the monthly installment.

DTI Fair Trade Permit No. FTEB-182402 Series of 2024

For inquiries and feedback, you may call the EastWest 24-Hour Customer Service Hotline at (+632) 8888-1700 or e-mail cards@eastwestbanker.com.

EastWest is regulated by Bangko Sentral ng Pilipinas with email address at consumeraffairs@bsp.gov.ph.