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

Once the registration form is submitted, the selected Welcome Gift shall be considered final


  1. The Welcome Gift promo is open to all new-to-RCBC Credit card applicants who applied and subsequently got approved of an RCBC Mastercard from November 10 to December 31, 2022.
  2. Qualified RCBC Credit cardholders must make a single-receipt or accumulated spend anywhere using their new RCBC Credit Card within 60 days from card delivery. The Welcome Gift that the cardholder can redeem will be specific to the Spend Requirement, as indicated in the table below:
    RCBC Classic Mastercard ₱12,000 ₱2,000 SSI Voucher Code (Instaperx)
    RCBC Gold Mastercard ₱18,000 ₱3,000 SSI Voucher Code (Instaperx)
    RCBC Platinum Mastercard, World Mastercard, YGC Rewards Plus RCBC Platinum Mastercard ₱40,000 ₱5,000 SSI Voucher Code (Instaperx)
    ₱60,000 ₱10,000 SSI Voucher Code (Instaperx)

  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: 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, and 9223 Bond or Bail Payment.
  5. To avail, the qualified cardholder must register once online from November 10, 2022 to February 28, 2023 at and provide the following:
    • FIRST 8 DIGITS, and LAST 4 DIGITS of the CARD
  6. Qualified cardholders who have met the required spend amount and who have successfully registered will receive a confirmation and their voucher code via SMS.
    (cardholder must be successfully registered within spend cut-off date)
    SMS confirmation
    November 10 to 30, 2022 December 29, 2022
    December 1 to 31, 2022 January 27, 2023
    January 1 to 31, 2023 February 28, 2023
    February 1 to 28, 2023 March 29, 2023
    March 1 to 31, 2023 April 28, 2023
    April 1 to 30, 2023 May 29, 2023

  7. The cardholder can only avail of the offer and receive a Welcome Gift once for the duration of the promo.
  8. 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.
  9. 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).
  10. The offer cannot be exchanged for cash, rewards points, or products other than the offers indicated above.
  11. The offer is not valid in conjunction with ongoing promotions for new RCBC Credit cardholders.
  12. All employees of RCBC Bankard Services Corporation, RCBC, and YGC are not qualified to avail of the offer.
  13. In case of dispute with regard to the customer’s eligibility and availment of the promo, the decision of RCBC Credit Card 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.
  14. 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.
  15. The promo is subject to the Terms and Conditions governing the issuance and use of RCBC Credit Card.


  1. The SSI Instaperx Voucher Code will be sent to the qualified cardholder’s registered mobile number.
  2. To redeem, qualified cardholder must present his/her SSI Instaperx Voucher Code at the cashier/counter of the SSI participating brands and branches.
  3. The SSI Instaperx Voucher Code is valid until October 31, 2023.

Per DTI Fair Trade Permit No. FTEB-155186, Series of 2022

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