Please make sure that all information is entered correctly. Otherwise, registration will be deemed invalid.


  1. The Spend Anywhere & Earn Cash Rebate Promo is open to all RCBC Bankard Visa Infinite & Visa Platinum cardholders whose accounts are active and in good credit standing.
  2. The promo duration and registration period is from December 22, 2021 to February 22, 2022.
  3. To qualify for the promo, the RCBC Bankard Visa cardholder must:
    1. Register online at and provide the following information: Card embossed name and First 8 & last 4 digits of Card.
      Note: The cardholder must only register ONCE within the specified period and ensure that correct details are entered. Registration with incomplete card number and misspelled name will not be approved.
    2. The cardholder must use his premium RCBC Bankard Visa within the promo period and make a minimum single-receipt or cumulative STRAIGHT spend PER MONTH based on the illustration below:
      REQUIRED TYPE OF TRANSACTION: STRAIGHT* ONLY (POS-Swiped, Online, and Contactless)
      *Single or Cumulative spend. For cumulative spend, no required minimum spend per receipt
      Spend Requirement per Month Cash Rebate Amount   Spend Requirement per Month Cash Rebate Amount
      P40,000 to < P60,000 P1,000   P60,000 to < P80,000 P1,200
      P60,000 to < P80,000 P1,200   P80,000 to < P100,000 P1,600
      P80,000 to < P100,000 P1,600   P100,000 to < P120,000 P2,000
      P100,000 to < P120,000 P2,000   P120,000 to < P140,000 P2,400
      P120,000 to < P140,000 P2,400   P140,000 to < P160,000 P2,800
      P140,000 to < P160,000 P2,800   P160,000 to < P180,000 P3,200
      P160,000 to < P180,000 P3,200   P180,000 to < P200,000 P3,600
      P180,000 to < P200,000 P3,600   P200,000 to < P250,000 P4,000
      P200,000 and up P4,000   P250,000 and up P5,000

  4. The following transactions are excluded from the promo:
    • RCBC Bankard Installment Program availments such as but not limited to Balance Conversion/ Purchase Conversion, Cash Advance, CHARGE, Balance Transfer, Cash Loan, Your Cash!
    • All types of Auto-charge, Recurring bill transactions, Bills payment (e.g., Meralco, Telco), RCBC Bankard’s Fast BillsPay
    • Transactions from Casino/Gambling, Money Transfers, Quasi Cash Financial Institution, Political Organizations, Bail, Bond Payment, Wholesale & Distribution, Multi-level Marketing/Networking (e.g., Fern, Amway, UNO, Herbalife, UHS/USANA,Suy Sing, Dyna Drug, Young Living, and the like.)
    • Remittance, Payment Services, Online Aggregators, & Mobile payment/mobile wallet (e.g., GCash, PayMaya,Grab/GrabPay, PayPal, PayMongo,, and the like)
    • Monthly amortizations from installment transactions or installment plan availment
    • Payments made to social media platforms, cloud service and software providers; transactions for business purposes
    • Subsequently cancelled or refunded transactions
    • Any types of investments, process of investing money for profit or material result such as, but not limited to, Bitcoin, Cryptocurrency, etc.
  5. Transactions made by the Supplementary cardholder are qualified as part of the Primary cardholder’s spend.
  6. The promo cannot be availed in conjunction with other ongoing promotional offers of RCBC Bankard transactions that were already used to redeem treats or rebate or points multiplier from other RCBC Bankard’s, promotions. If found to have multiple availments, RCBC Bankard shall have the right to reverse the cash rebate amount credited to the Cardholder’s RCBC Bankard account.
  7. Cash rebate will be credited to the cardholder’s account based on the schedule below:

    Spend Period Credit Date
    December 22, 2021 to January 21, 2022 on or before February 15, 2022
    January 22, 2022 to February 22, 2022 on or before March 15, 2022

  8. Cardholder’s RCBC Bankard must be active and of good credit standing at the time of crediting of the cash rebate, otherwise, the cash rebate earned shall be forfeited.
  9. Cardholders must examine their SOA for any errors related to the Promo (e.g. cash rebate computation, non-awarding of cash rebate). All questions and issues arising from the promo will only be accepted, within thirty (30) calendar days from posting of the cash rebate, after which the promotion is considered conclusive.
  10. Cash Rebate awarded are non-transferable and non-convertible to cash, however, it is treated as a credit or payment for purchases or any outstanding balance on the Card.
  11. RCBC Bankard reserves the right to reverse or adjust the cash rebate awarded to the cardholder in the event that the qualifying transactions were disputed or cancelled at a later date, or if the transaction is found to be invalid or fraudulent, or a reversal of entry is made on any of the qualified transactions, or if there is erroneous posting of the cash rebate, or if the transaction was used to register or redeem from another ongoing RCBC Bankard promo.
  12. In case of dispute but not limited to the Cardholder’s eligibility, coverage of dates and fulfillment, RCBC Bankard’s decision shall prevail with concurrent of DTI.
  13. Per DTI Fair Trade Permit No. FTEB-134030, Series of 2021.

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