PROMO MECHANICS

1. The Welcome Gift promo is open to all new-to-RCBC Credit card applicants who applied and subsequently got approved of an RCBC Visa Credit Card from January 20 to July 15, 2023.
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:
   
   

   CARD TYPE	SPEND REQUIREMENT	WELCOME GIFT
   RCBC Flex Visa, YGC Rewards Plus RCBC Classic Visa	₱12,000	₱2,000 H&M eGift
   RCBC Flex Visa, Flex Gold Visa, YGC Rewards Plus RCBC Classic Visa, YGC Rewards Plus RCBC Gold Visa, and airasia credit card	₱18,000	₱3,000 H&M eGift
   RCBC Flex Visa, Flex Gold Visa, YGC Rewards Plus RCBC Classic Visa, YGC Rewards Plus RCBC Gold Visa, and airasia credit card, Visa Platinum	₱60,000	Delsey Carry-on Luggage 55cm*

   *Color/design of item is subject to stock availability and may vary from the image shown


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 register once online until August 31, 2023 at https://cloud.marketing.rcbcbankard.com/gift-visa and provide the following:
   • CARD EMBOSSED NAME
   • FIRST 8 DIGITS, and LAST 4 DIGITS of the CARD
   • PREFERRED WELCOME GIFT
     *Once the registration form is submitted, the selected Welcome Gift shall be considered final.
     *By registering for the promo and only for the purpose of fulfilling the delivery, the cardholder agrees to share his/her NAME, MOBILE NO., and ADDRESS with RCBC Credit Card’s partner and their courier.
6. Qualified cardholders who have met the required spend amount and who have successfully registered will receive his/her eGift via electronic direct mail, to be sent to the registered email address, or SMS confirmation to be sent to the registered mobile no., based on the schedule below:
   
   

   SPEND CUT-OFF DATE (cardholder must be successfully registered within spend cut-off date)	eGift / SMS Confirmation Issuance
   January 20 to February 28, 2023	March 19, 2023*
   March 1 to 31, 2023* February 5 to March 31, 2023**	April 20, 2023
   April 1 to 30, 2023	May 19, 2023
   May 1 to 31, 2023	June 20, 2023
   June 1 to 30, 2023	July 20, 2023
   July 1 to 31, 2023	August 18, 2023
   August 1 to 31, 2023	September 20, 2023
   September 1 to 30, 2023	October 20, 2023
   October 1 to 31, 2023	November 20, 2023

   *Applicable to H&M eGift only
   **Applicable to Delsey Carry-on Luggage 55cm only


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 or invalid.
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 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.
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 last issuance of eGift.
15. The promo is subject to the Terms and Conditions governing the issuance and use of RCBC Credit Card.

HOW TO REDEEM
H&M eGift

1. The H&M eGift will be sent to the qualified cardholder’s registered email address.
2. The eGift is valid until March 31, 2024.
3. The H&M eGift can only be used for in-store purchases at H&M stores in the Philippines.

Delsey Carry-on Luggage

1. The Welcome Gift shall be delivered to the cardholder’s billing address on file within 15 business days from issuance of SMS confirmation.
2. The delivery is free of charge until the 2nd attempt. Redelivery charge shall be applied if courier is unable to successfully deliver item for the 3rd time (Estimate: P500-P700 depending on the exact location).
3. In case cardholder is not available upon delivery, an authorized representative may receive the Welcome Gift.

Per DTI Fair Trade Permit No. FTEB-159304, 166246, 160570, 166297, & 168967, Series of 2023