PROMO MECHANICS

1. The Welcome Gift promo is open to new-to-RCBC Credit Card applicants who applied and subsequently got approved of the RCBC Credit Cards below from October 16 to December 31, 2024.
   • RCBC Classic Mastercard
   • RCBC Landmark Anson’s Mastercard
   • RCBC Gold Mastercard
   • RCBC Flex Visa
   • YGC Rewards Plus RCBC Visa Classic
   • RCBC Flex Gold Visa
   • YGC Rewards Plus RCBC Visa Gold
   • RCBC JCB Classic
   • RCBC JCB Gold


2. Qualified RCBC Credit Card holders must make a single-receipt or accumulated spend anywhere using their new RCBC Credit Card within 60 days from receipt of card.
   
   

   CARD/PRODUCT TYPE	SPEND REQUIREMENT	WELCOME GIFT
   RCBC Classic Mastercard, RCBC Landmark Anson’s Mastercard, RCBC Flex Visa, YGC Rewards Plus RCBC Visa Classic, RCBC JCB Classic	₱30,000	₱3,000 Cash Credits* *to be credited as 20,000 Rewards Pts
   RCBC Classic Mastercard, RCBC Landmark Anson’s Mastercard, RCBC Flex Visa, YGC Rewards Plus RCBC Visa Classic, RCBC JCB Classic, RCBC Gold Mastercard, RCBC Flex Gold Visa, YGC Rewards Plus RCBC Visa Gold, RCBC JCB Gold	₱50,000	₱4,500 Cash Credits* *to be credited as 30,000 Rewards Pts



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 register once online until March 31, 2025 at https://cloud.marketing.rcbcbankard.com/welcomecredits to avail of the Welcome Gift.
   • Once registration form has been submitted, the selected Welcome Gift shall be considered final.
   • In case a cardholder selects a Welcome Gift that does not match the Welcome Gift for the corresponding card type during registration, RCBC Credit Card shall automatically assign a Welcome Gift and the cardholder must meet the required spend for that Welcome Gift within 60 days from receipt of card.
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 registered will receive a confirmation SMS to be sent to their registered mobile no. based on the schedule below:
   
   

   SPEND CUT-OFF DATE (Cardholder must be successfully registered within spend cut-off date)	SMS CONFIRMATION
   October 16 to 31, 2024	November 22, 2024
   November 1 to 30, 2024	December 20, 2024
   December 1 to 31, 2024	January 24, 2025
   January 1 to 31, 2025	February 21, 2025
   February 1 to 28, 2025	March 21, 2025
   March 1 to 31, 2025	April 25, 2025
   April 1 to 30, 2025	May 23, 2025



8. The Welcome Gift will be credited to the qualified RCBC Credit Card within 10 business days from the issuance of SMS confirmation.
9. The cardholder can only avail of the offer and receive a Welcome Gift once for the duration of the promo.
10. 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.
11. 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).
12. The offer cannot be exchanged for cash, item, or products other than the offers indicated above.
13. The offer is not valid in conjunction with ongoing promotions for new RCBC Credit cardholders.
14. All employees of RCBC Bankard Services Corp., RCBC, and YGC as well as RCBC Wealth Clients are not qualified to avail of the offer.
15. Secured Card and other Card Types not specified in the promo mechanics are not qualified.
16. In case of dispute with regards 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.
17. 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.
18. The promo is subject to the Terms and Conditions governing the issuance and use of RCBC Credit Card.

Per DTI FTEB-204772, Series of 2024