0% Installment + GIFT at OUR HOME

PROMO MECHANICS

1. The promo is open to RCBC Credit Cardholders whose accounts are active and in good credit standing.
2. Promo period is from July 1 to December 31, 2026 at OUR HOME stores.
3. Cardholders are entitled to the following freebies for purchases at 0% installment for up to 24 months plus Buy Now, Pay Later using their RCBC Credit Cards during the promo period:

4. Promo is not valid in conjunction with the following:

• SMAC Sale
• Bundles, Packages, GWP, PWP, Coupons, Vouchers, Great Value
• 30% and Up Sale Items
• Permanent Markdown
• Nespresso
• Francis Libiran Collection on discount
• Other existing promotions of RCBC Credit Cards

6.  In case of disputes related to the promo, the decision of RCBC Credit Cards and OUR HOME shall be conclusive in concurrence with DTI. All questions or disputes regarding the Cardholder’s eligibility for the promo shall be resolved by RCBC Credit Cards.
7. Any dispute concerning the products or services related to the promo offer shall be settled directly between the cardholder and the Merchant, with the concurrence of the DTI, if needed.

EASYTERMS 0% INTEREST INSTALLMENT AND BUY NOW PAY LATER

1. Easyterms 0% interest is applicable if the cardholder pays his/her monthly installment in full.
2. The application and implementation of RCBC Credit Cards' Easyterms 0% Installment is subject to RCBC Credit Cards’ approval.
3. Easyterms 0% installment merchant partners have the sole discretion over the term/s, item/s, minimum spend requirement and availability of Buy Now Pay Later (BNPL) applicable for the 0% interest offering.
4. If the cardholder decides to pay the installment plan in full before maturity, a pre-termination fee of ₱500.00 or 5% of the unpaid principal amount, whichever is higher, will be charged.

Per DTI Fair Trade Permit No. FTEB- 261478, Series of 2026.