PROMO MECHANICS:

1. The promo is open to existing RCBC Credit Cardholders who applied for an RCBC JCB Credit Card as 2nd or nth Card from June 20 to September 20, 2023, and subsequently got approved.
2. Qualified Cardholders must spend anywhere using their new RCBC JCB Credit Card within sixty (60) days from card delivery. The CASH CREDIT that the cardholder can earn will depend on the no. of transactions made, as indicated in the table below:
   

   Transaction Count Requirement	Cash Credit/Welcome Gift
   5	Total Transaction amount or max. of ₱500 Cash Credit
   10	Total Transaction amount or max. of ₱1,000 Cash Credit

   
   

   Sample Computations:

   Transaction	Amount				Transaction	Amount				Transaction	Amount
   1	₱100				1	₱1,500				1	₱1,500
   2	₱80				2	₱100				2	₱100
   3	₱95				3	₱2,000				3	₱2,000
   4	₱100				4	₱300				4	₱300
   5	₱100				5	₱500				5	₱500
   Cash Credit	₱475				Cash Credit	₱500				6	₱500
   										7	₱500
   										Cash Credit	₱500



3. Transactions made by the Supplementary cardholder will be qualified as part of the Primary cardholder’s spend.
4. All posted retail and installment transactions in pesos and in other currencies are qualified for the promo including online transactions, mail & telephone orders and recurring payments or bills payment transactions.
   
   The following transactions are excluded from the offer: UnliPay, Cash Advance, Balance/Purchase Conversion, YourCash, Cash Loan, Balance Transfer, Money Transfer and Quasi-Cash, Casino/Gambling, Political organizations, Bail, Bond Payment, Wholesale & Distribution, Multi-level Marketing (e.g. 1BRO Global, USANA, Frontrow, UNO, Suy Sing, Doterra, Herbalife, Alliance, First Vita, Young Living). Transactions with the following Merchant Category Codes (“MCC”) are also not qualified:
   
   

   MCC	MCC DESCRIPTION
   4829	Money Transfer - Merchant
   6050	Quasi Cash - Customer Financial Institution
   6051	Quasi Cash - Merchant
   6211	Securities – Brokers/Dealers
   6532	Payment Transaction – Customer Financial Institution
   6533	Payment Transaction - Merchant
   6536	MoneySendIntracountry
   6537	MoneySend Intercountry
   6538	MoneySend Funding
   6540	POI Funding Transactions
   6760	U.S. Savings Bonds
   8651	Political Contributions/Organizations
   9211	Court Costs including Alimony and Child Support
   9222	Fines
   9223	Bail and Bond Payments
   9411	Gov. Loan Payments
   7995	Casino/Gambling
   9223	Bond or Bail Payment



5. To avail, the qualified cardholder must fill out redemption form on or before November 20, 2023 at https://cloud.marketing.rcbcbankard.com/JCBcashcredits and input the following: CARD EMBOSSED NAME, FIRST 8 DIGITS, and LAST 4 DIGITS of the CARD.
6. Qualified cardholders who have met the required transaction count and who have successfully filled out redemption form will receive a notification via SMS which will be sent to their registered mobile numbers based on the schedule below:
   

   Spend Cut-off Date	SMS Notification
   June 20 to 30, 2023	July 28, 2023
   July 1 to 31, 2023	August 31, 2023
   August 1 to 31, 2023	September 29, 2023
   September 1 to 30, 2023	October 27, 2023
   October 1 to 31, 2023	November 29, 2023
   November 1 to 30, 2023	December 29, 2023
   December 1 to 31, 2023	January 20, 2024



7. The Cash Credit will be credited to the Qualified Cardholder’s account prior to the SMS notification schedule.
8. The cardholder can only avail of the offer and receive a Welcome Gift once for the duration of the promo.
9. The cardholder will be charged the cost of the Welcome Gift if he/she cancels the qualifying purchase and/or if the credit card transaction or redemption is found to be fraudulent or invalid.
10. The cardholder agrees not to cancel his/her RCBC Credit Card within 24 months from its issue date.
11. The offer cannot be exchanged for cash, rewards points, or products other than the offers indicated above.
12. The offer is not valid in conjunction with ongoing promotions for new RCBC Credit Cardholders.
13. All employees of RCBC Bankard Services Corporation, RCBC, and YGC are not qualified to avail of the offer.
14. In case of dispute with regard to the customer’s eligibility and availment of the promo, the decision of RCBC Bankard Services Corporation with the concurrence of DTI shall be considered final. If the dispute involves Rewards Partners and its performance and/or delivery of services and/or products to cardholders, subject to the Promo Mechanics stated above, the decision of RCBC Bankard Services Corporation with the concurrence of DTI shall be considered final.
15. All questions and issues related to the promo can be accommodated beyond the promo period but in no case beyond thirty (30) days from the last issuance of Cash Credit.
16. The promo is subject to the Terms and Conditions governing the issuance and use of an RCBC Credit Card.

Per DTI Fair Trade Permit No. FTEB-xxxxxx, Series of 2023.