EastWest is offering a limited-time 0% interest installment promo when you shop at participating SM Retail Stores and partner merchants using your EastWest credit card. The offer includes installment terms of up to 24 months and a Buy Now, Pay Later option at select locations. Here’s everything you need to know to take advantage of the promotion.
What’s the offer?
– 0% interest on installment purchases made with an EastWest credit card at SM Retail Stores and eligible partner merchants.
– Installment terms available for up to 24 months (subject to merchant and offer availability).
– Buy Now, Pay Later (BNPL) promo is available at SM Store and SM Appliance, where billing for the purchase will start on the third statement cycle after the purchase date.
Participating merchants
The promo covers SM Retail Stores and a number of popular partner brands. Participating merchants include (but are not limited to):
- SM Store & SM Appliance Center
- Toy Kingdom
- Dyson
- Forever 21
- Crate & Barrel
- Crocs
- ACE
- Innisfree
- Levi’s
- Our Home
- Pet Express
- Simply Shoes
- Sports Central
- Surplus
- The Body Shop
Promo period & eligibility
The promo runs until December 31, 2025. Installment offers and eligible tenors may vary by merchant — check the merchant’s terms or ask the store representative at the time of purchase. Standard EastWest credit card eligibility applies.
How to avail
- Shop at any participating SM Retail Store or partner merchant.
- Pay with your EastWest credit card at checkout.
- Choose the 0% installment option or BNPL plan (if available) and select your preferred installment tenor — up to 24 months where applicable.
- Confirm billing and statement details. For BNPL at SM Store / SM Appliance, note that billing starts on the third statement cycle after purchase.
For the most up-to-date offer details, visit the EastWest website and navigate to Promos > Buy Now, Pay Later at SM Retail Stores: https://www.eastwestbanker.com.
Important terms & notes
- Installment offers may vary by merchant and by product. Confirm the available tenors and amounts with the merchant before completing your purchase.
- Buy Now, Pay Later promo at SM Store and SM Appliance starts billing on the third statement cycle — make sure you understand when repayment begins.
- Other terms and conditions of your EastWest credit card apply. Check your card agreement or the EastWest promos page for full details.
- Per DTI Fair Trade Permit No. FTEB-237080, Series of 2025.
Security & card disposal reminder
If you receive a replacement card, dispose of your old card securely. Cut through the magnetic stripe, smart chip and embossed card number, and shred or mutilate any documents that contain your card details before discarding.
Awards & additional features
EastWest has received industry recognition (including awards for mobile banking and retail banking initiatives) and promotes features such as EastWest Pay — a contactless payment solution for compatible Android devices. Some EastWest credit cards have also been recognized for their cashback benefits. These features may complement your card usage while availing promos.
Need help?
If you have questions about the promo, available tenors, or your card, contact EastWest Customer Service or visit the EastWest promos page. Customer service contact options include the EastWest 24-hour hotline: +63 2 8888 1700 and the cards support email: [email protected]. (Hours and contact channels may change; refer to the official website for updates.)