1. This promotion is open to all Robinsons Department Store customers who are also BDO, BPI, PNB, Metrobank, Unionbank, RCBC Bankard, Bank of Commerce, and Security Bank credit cardholders.

2. Promo period is from October 1 to December 31, 2022, applicable for in-store or Call To Order/Personal Shopper, with card - present transactions.

3. The 0% interest Holiday Shop Now, Pay Later 2022 program at Robinsons Department Store is available on 3-month and 6-month tenors, with a minimum single-receipt purchase requirement of P3,000 and P5,000 respectively. 

4. Full installment amount under the Holiday Shop Now, Pay Later 2022 program shall be deducted from the cardholder’s available credit limit.

5. All Holiday Shop Now, Pay Later transactions will be billed to the cardholder’s account starting the third (3^rd) statement cycle/cut-off date based on the original Shop Now, Pay Later transaction date and every month thereafter until the total amount payable is paid in full.

To further illustrate:

• If purchase is made before cut-off date, billing will be deferred for 2 months.
• If purchase is made after cut-off date, billing will be deferred for 3 months.
• First monthly amortization will be posted to the cardholder’s account up to 30 days later from the date of purchase.

*For BDO cardholders, purchase will be billed to the cardholder’s account starting on the 4^th statement cycle after the original transaction date and every month thereafter until the total amount payable is paid in full.

6. Cardholder acknowledges his/her liability to Robinsons Department Store’s partner merchant (BDO, BPI, PNB, Metrobank, Unionbank, RCBC Bankard, Bank of Commerce, and Security Bank) for the installment purchases that will form part of the cardholder’s obligation.

7. The terms and conditions governing issuance and use of all participating credit cards are incorporated herein by reference and made integral part thereof.