Buy Now, Pay Next Year

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. Cardholders shall get to shop and pay 2 months later at 0% installment up to 24 months on select items at our partner merchants. The minimum purchase amount for installment is Php3,000 (single or multiple item purchases), unless otherwise stated by the partner merchant.
4. Cardholders must present their EastWest credit card upon payment and must inform the branch representative that they will avail themselves of Buy Now, Pay Later installment.
5. Promo offers are not convertible to cash or gift certificates and are not valid in conjunction with other promotions, offers, discounts/privileges and giveaways.
6. The offer is valid for 0% interest on installment for up to 24 months. Partner merchant has the sole discretion on the term/s applicable for the 0% installment offering.
7. 0% interest on installment sample computation:

8. The 0% interest on installment offer shall apply provided that the Cardholders pay their total statement balance in full.**
9. All 0% interest on installment transactions are subject to EastWest’s credit authorization criteria upon purchase of goods.
10. 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.
11. 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.
12. 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.
13. 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.
14. Terms and Conditions for Merchant Installment indicated in the Terms and Conditions Governing the Issuance and Use of EastWest Credit Cards shall apply.
15. 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.
16. For any inquiry on the promo or concern on the card account, Cardholders may contact EastWest Customer Service Hotline at (+632) 8888-1700 or e-mail us at cards@eastwestbanker.com.
17. All questions or disputes regarding the Cardholder’s eligibility for the promo shall be resolved by EastWest. In case of disputes related to the promo, the decision of EastWest and partner merchant shall be conclusive 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.

Per DTI Fair Trade Permit No. FTEB-203850, 202577 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.

Partner Merchants:

Appliances and Electronics

• 1st Megasaver
• Abenson
• Anson’s
• Asian Home Appliance*
• Automatic Centre
• Robinsons Appliances
• Savers Appliances
• SM Appliance Center
• Smartzone
• Western Appliances

Gadgets and Cellphones

• 8Telcom
• Acer*
• Aerofone
• Aeromobile
• Aerophone
• Asus*
• BCG Computers*
• BCG Premier Stores
• Beyond the Box
• Blue Lite
• Bomatech
• CameraHaus
• Canon*
• Cellboy
• Celltime
• Cybertech*
• Dell*
• Digital Walker
• Digital Village
• Electroworld
• FONERange
• FoneStyle
• Gameone*
• Gadgetsplus
• Games and Gadgets
• GameXtreme
• Gaming Grounds
• GB Mobile
• GUI Mobile
• Henry’s Camera
• HP*
• Huawei*
• iBook
• In-box
• Insta360*
• iStore
• iTech*
• JV Shop N’ Shop
• Jr. MemoXpress
• Legion*
• Lenovo*
• MemoXpress
• Mikrocell
• MixMe
• MSI*
• New Cellway
• Open_Source by Beyond the Box
• OPPO*
• PC QuickBuys
• Playstation*
• POS Digital*
• Power Mac Center
• Realme*
• Samsung*
• Sign On Electronics
• Silicon Valley
• Smart Gadget*
• Strom Mobile
• SVGA
• Switch
• The Loop
• Thinking Tools*
• TimeLine
• Tomiko*
• Touch & Type
• The Vault
• Villman
• Vivo*
• Xiaomi*
• Whitehaus
• Wiltelcom

Health and Beauty

• Belo

Home Improvement and Furnishing

• AbensonHome
• AllHome
• Blims Fine Furniture
• Homeplus
• La-Z-Boy
• SB Furniture
• Sogo Home and Office Center

Jewelry and Timepieces

• Washington*

Shopping

• Adora
• Gaisano Mall Department Store*
• Metro Department Store*
• Robinsons Department Store (October 1 – December 31, 2024)
• Rustan’s
• SM Store
• Spatio
• Toys“R”Us

* Get billed starting the third statement cycle/cut-off

* On select items at select participating merchants

*Selected stores

To further illustrate:

• If a cardholder's statement cycle cut-off date is the 1st of every month (November in this case), and they make a BNPL purchase before the cut-off date e.g. October 27, first BNPL amortization will be reflected on their January SOA. However, If the transaction is made after the cut-off e.g. November 2, first BNPL amortization will be reflected on their February SOA.