PROMO MECHANICS

1. The Welcome Gift promo is open to new-to-RCBC JCB Credit Card applicants who applied within the promo period from January 20 to March 31, 2025, and subsequently got approved of an RCBC JCB Classic or Gold.
2. Qualified RCBC Credit Card holders must make a single-receipt or accumulated spend anywhere using their new RCBC Visa Credit Card within 60 days from receipt of card.
   
   

   CARD TYPE	SPEND REQUIREMENT	WELCOME GIFT
   RCBC JCB Classic	₱30,000	₱3,000 Uniqlo Gift Card
   RCBC JCB Gold	₱50,000	₱5,000 Uniqlo Gift Card



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 promo: 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	MoneySend Intracountry
   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. Upon meeting the required spend, the qualified cardholder must fill out the redemption form until July 31, 2025 at https://cloud.marketing.rcbcbankard.com/WG2025-JCB to avail of the Welcome Gift and input the following:
   • Unique Code (to be provided via SMS)
   • Card Embossed Name
   • First 8 & Last 4 digits of your Card
   *The Gift Card will be delivered to the cardholder’s billing address on file. By registering for the promo, the cardholder agrees to share his/her NAME, MOBILE NO., & ADDRESS with the partner/courier. Cardholder agrees that, as applicable, the delivery fee of the Welcome Gift will be charged to his/her RCBC JCB.
6. Qualified cardholder’s account must be active and current at the time of registration.
7. Qualified cardholders who have met the required spend amount and who have successfully filled out the redemption form will receive a confirmation SMS to be sent to their registered mobile no. based on the schedule below:
   
   

   SPEND CUT-OFF DATE (Met spend and filled out redemption form)	SMS NOTIFICATION
   January 1 to February 28, 2025	March 21, 2025
   March 1 to 31, 2025	April 21, 2025
   April 1 to 30, 2025	May 21, 2025
   May 1 to 31, 2025	June 23, 2025
   June 1 to 30, 2025	July 21, 2025
   July 1 to 31, 2025	August 22, 2025



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 and if he/she has registered for the promo and cancels the welcome gift.
10. The cardholder agrees not to cancel his/her RCBC Credit Card within 24 months from its issue date. In addition, by redeeming the welcome gift, the cardholder agrees to pay the full amount of the Annual Membership Fee. If the cardholder requests for card cancellation or waiver of annual membership fee, the amount equivalent to the welcome gift shall be charged to the cardholder’s credit card account as cancellation fee. The cancellation fee must be paid in full before the RCBC Credit Card may be cancelled by RCBC Bankard Services Corporation (RBSC).
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 or program for new RCBC Credit cardholders such as but not limited to Welcome Gift or No Annual Fee For Life.
13. All employees of RCBC Bankard Services Corp., RCBC, and YGC as well as RCBC Wealth Clients are not qualified to avail of the offer.
14. Secured Card and other Card Types not specified in the promo mechanics such as Hexagon Club Platinum Mastercard and RCBC Hexagon Club Priority World Mastercard are not qualified.
15. In case of dispute with regard to the customer’s eligibility and availment of the promo, the decision of RCBC Bankard Services Corp. with the concurrence of DTI shall be considered final. However, 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 Corp. & Rewards Partner with the concurrence of DTI shall be considered final.
16. 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 issuance of last SMS confirmation.
17. The promo is subject to the Terms and Conditions governing the issuance and use of RCBC Credit Card.

REDEMPTION PROCESS

1. he Uniqlo Gift Card shall be delivered to the cardholder’s billing address on file within 10 to 15 business days from issuance of SMS confirmation.
2. The delivery fee of the Uniqlo Gift Card will be charged to the qualified cardholder’s RCBC JCB. Cost for the delivery is between ₱130 to ₱170.
3. The Uniqlo Gift Card can only be used for in-store purchases at Uniqlo stores in the Philippines Cardholder agrees that, as applicable, the delivery fee of the Welcome Gift will be charged to his/her RCBC JCB.

Per DTI FTEB-211124, Series of 2025