PROMO MECHANICS

1. The Welcome Gift promo is open to new-to-RCBC Credit Card applicants who applied and subsequently got approved for the RCBC Visa Credit Cards below from May 7 to July 31, 2024:
   • RCBC Flex Visa
   • YGC Rewards Plus RCBC Visa Classic
   • RCBC Flex Gold Visa
   • YGC Rewards Plus RCBC Visa Gold
2. Qualified RCBC Credit Card holders must make a single-receipt or accumulated spend anywhere using their new RCBC Visa Credit Card within 60 days from receipt of card.
   
   

   CARD/PRODUCT TYPE SPEND	REQUIREMENT	WELCOME GIFT
   RCBC Flex Visa YGC Rewards Plus RCBC Visa Classic	₱15,000	15,000 Rewards Points (equivalent to ₱2,250 cash credits)
   RCBC Flex Visa YGC Rewards Plus RCBC Visa Classic RCBC Flex Gold Visa YGC Rewards Plus RCBC Visa Gold	₱20,000	20,000 Rewards Points (equivalent to ₱3,000 cash credits)
   	₱40,000	40,000 Rewards Points (equivalent to ₱6,000 cash credits)
   	₱60,000	60,000 Rewards Points (equivalent to ₱9,000 cash credits)



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.
5. Upon meeting the required spend, the qualified cardholder must register once online until August 31, 2024 (December 31, 2024) at https://cloud.marketing.rcbcbankard.com/welcomevisarp to avail of the Welcome Gift and input the following:
   • Card Embossed Name
   • First 8 & Last 4 Digits of Cards RCBC Visa Credit Card
   • Unique Code (to be provided via EDM and SMS)
   • Preferred Welcome Gift
   
   Once the registration form has been submitted, the selected Welcome Gift shall be considered final.
   In case a cardholder selects an incorrect Welcome Gift, RCBC Credit Card shall automatically assign a Welcome Gift.


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 number based on the schedule below:
   
   

   SPEND CUT-OFF DATE *(cardholder must be successfully registered within spend cut-off date)	SMS CONFIRMATION
   May 7 to 31, 2024	June 20, 2024
   June 1 to 30, 2024	July 22, 2024
   July 1 to 31, 2024	August 20, 2024
   August 1 to 31, 2024	September 20, 2024
   September 1 to 30, 2024	October 21, 2024
   October 1 to 31, 2024	November 20, 2024
   November 1 to December 31, 2024	January 21, 2025



8. The Welcome Gift, Rewards Points, will be credited to the qualified RCBC Credit Card within 15 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 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. 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.

Terms & Conditions apply. DTI FTEB-192549, s2024.