UnionBank PayEasy provides shoppers with options for interest-free installment payments at select SM Stores and affiliates using a UnionBank Credit Card. This includes up to 24 months at certain merchants, along with a promotion to earn electronic gift certificates through spending.
0% Installment Details
UnionBank PayEasy allows 0% installment up to 24 months on purchases made with a UnionBank Credit Card at over 9,500 in-store merchants nationwide. The terms vary by merchant, and availability is for select items only.
Key installment terms by merchant include:
- Our Home: Up to 24 months
- Ace Hardware, Baby Company, Crate & Barrel, Crocs, Dyson, Ecco, Kultura, Grace by Lifestyle, Pet Express, SM Store, SM Kangaroo: Up to 6 months
- The Body Shop, Sports Central, Uniqlo: 3 months
The 0% interest applies only if the monthly installment amount is paid in full and is subject to bank approval. Minimum spend requirements and applicable terms differ per merchant and UnionBank Credit Card type.
Hot Summer Treats: Earn eGCs
Cardholders can get up to P25,000 eGCs by participating in the Hot Summer Treats promotion using their UnionBank Credit Card.
To join:
- Register and join the promo at the UnionBank Treats Hub.
- Meet the accumulated spend requirement.
- Redeem your eGCs from August 11 to October 10, 2026.
The promotion runs until June 30, 2026. For full details on spend requirements and eligibility, visit https://www.unionbankph.com/treats.
Additional Terms and Conditions
Terms and conditions apply to all offers. For more on UnionBank PayEasy, including merchant lists and installment conditions, visit https://unionbankph.com/r/ubpayeasy. Ensure purchases qualify under the merchant partner's terms.