SM Supermalls

Promo Mechanics

  1. The promo is open to all EastWest Credit Cardholders ("Cardholders") in good credit standing.*
  2. The promo period is December 31, 2018.
  3. Offer is valid for 0% interest on installment for 3 months for a minimum single-receipt purchase of Php5,000.00 at The SM Store branches.
  4. 0% interest on installment sample computation:

    Item Item Price Term Monthly Amortization (Price ÷ Term) Total Amortization (Monthly Amortization x Term)
    Item A 5,000.00 3 mos. 1,666.67 5,000.00
  5. The 0% interest on installment offer and reduced installment rates shall apply provided the Cardholder pays his/her Total Statement Balance in full**.
  6. These special rates and installment terms are available only when goods/services are purchased at participating merchants using an EastWest Credit Card.
  7. All transactions are subject to EastWest's credit authorization criteria upon purchase of goods.
  8. Terms and Conditions for Merchant Installment indicated in the Terms and Conditions Governing the Issuance and Use of EastWest Credit Cards shall apply
  9. 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.
  10. For any inquiry on the promo or concern on the card account, Cardholders may contact EastWest's Customer Service Hotline at (02) 888-1700 or e-mail
  11. In case of disputes related to the promo, the decision of EastWest and The SM Store shall be conclusive with approval of DTI. All questions or disputes regarding the Cardholder's eligibility for the Promo shall be resolved by EastWest
* 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.

Per DTI-FTEB Permit No. 18206, Series of 2018.

EastWest is regulated by the Bangko Sentral ng Pilipinas. For inquiries or complaints, you may call EastWest's 24-Hour Customer Service at (02) 888-1700 or e-mail Similarly, you may also contact the BSP Financial Consumer Protection Department at (02) 708-7087.

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