Promo Mechanics:

1. The promo is open to select RCBC Credit principal cardholders who are recipients of the promo electronic direct mail or SMS and who will activate and use their qualified RCBC Credit Cards during the promo period (“Qualified cardholders”).
2. Promo runs from October 29 to December 31, 2024.
3. To qualify for the Cashback offer, eligible cardholders must meet the spend requirement using their qualified cards, as indicated in the email or SMS offer they have received. Visit www.RCBCCredit.com/promos and enter the provided promo ID for full details.
4. The applicable cashback will be credited to the qualified RCBC Credit Card within 30 days from the end of the promo period.
5. The following posted transactions are qualified for the promo:
   1. Domestic retail/straight transactions
   2. Overseas retail/straight transactions
   3. Installment transactions
   4. Bills Payment
   5. Online transactions
   6. Recurring payments
   7. Mail & telephone orders
   8. Cash Loan (12 months and up tenor)
   9. Balance Transfer (12 months and up tenor)
   The following transactions are excluded from the promo: Unlipay, Cash Advance, Balance/Purchase Conversion, 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).
6. Transactions made by the Supplementary cardholder will be qualified as part of the Principal cardholder’s spend.
7. Qualified cardholder must register once online within the promo period at https://cloud.marketing.rcbcbankard.com/nevact-cashback and input the following:
   • Card Embossed Name
   • First 4 and last 4 digits of the qualified card
8. Qualified cardholder’s account must be active and current at the time of registration and crediting of the applicable cashback.
9. Qualified cardholders who have met the required spend amount and who have successfully registered will receive a confirmation SMS to be sent to their registered mobile no. on January 17, 2025.
10. The cashback will be automatically credited to the qualified card and can be used to pay for purchases or any outstanding balance on the Card.
11. The cashback cannot be exchanged for cash, rewards points, or products other than the offers indicated above.
12. The cardholder will be charged the cost of the cashback if he/she cancels the qualifying purchase and/or if the credit card transaction or redemption is found to be fraudulent.
13. 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.
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 end of promo.
15. The promo is subject to the Terms and Conditions governing the issuance and use of RCBC Credit Card.

Terms & Conditions apply. DTI FTEB-188396, 188399, 188402, 188404, & 188416, s2024.