Terms and Conditions:

1. All new-to-RCBC principal cardholders approved for an RCBC Visa Infinite with at least Php60,000 single or accumulated retail purchases within sixty (60) days from card delivery are eligible to receive 100,000 Rewards Points (valued at Php15,000) as a Welcome Gift. Subject to the program mechanics, RCBC Wealth Management clients are qualified to receive 110,000 Rewards Points (valued at Php16,500).
2. Renewal, replacement re-issued (previously cancelled, then re-applied) and supplementary RCBC Visa Infinite Credit Cardholders are not qualified to get the Welcome Gift.
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.
5. 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

   
   After required spend is met, the cardholder must redeem the Welcome Gift at https://cloud.marketing.rcbcbankard.com/welcome-infinite. Once validated, the Welcome Gift will be posted to the cardholder’s account within forty-five (45) days and cardholder will be notified via SMS and EDM within the period.


6. RCBC Bankard Services Corporation (RBSC) shall have the final decision on the eligibility of the cardholder to avail of the Welcome Gift and reserves the right to disqualify transactions of cardholders from participating in the Welcome Rewards Points program for any of the following reasons:
   • The cardholder's RCBC Visa Infinite Credit Card is past due.
   • The retail purchase is disputed or deemed fraudulent.
7. The Welcome Gift can only be received once and is not convertible to cash.
8. The Welcome Gift offer will not run in conjunction with any ongoing Welcome Gift promotion.
9. The use of the Welcome Rewards Points shall be subject to the General Terms and Conditions of Rewards Points.
10. The cardholder agrees not to cancel his/her RCBC Visa Infinite within twenty-four (24) months from its issue date.
11. 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 before the expiration of the 24 month period referred in the previous paragraph,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 Visa Infinite may be cancelled by RBSC.
12. RBSC assumes no responsibility for and disclaims any liability with respect to the use of the Rewards Points to any participating merchant or donation to a charitable institution.
13. RBSC reserves the right to change the Terms and Conditions of the Welcome Gift at any time upon prior notice to Cardholders.