PROMO MECHANICS

1. The Visa Premium Welcome Gift promo is open to new-to-RCBC Credit Card Principal card applicants with existing Philippine-issued credit cards with the BIN ranges (first 6 digits of the credit card no.) below, who applied and subsequently got approved for an RCBC Visa Platinum or RCBC Visa Infinite from May 25 to December 31, 2024.
   
   

   Qualified BIN ranges:

   552097 403419 453248 453972 453248 453971 540127 405191 529247 474137 529247



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

   RCBC CARD TYPE	REQUIREMENT	WELCOME GIFT
   RCBC Visa Platinum	₱60,000 single-receipt or accumulated spend, straight or installment	No Annual Fee For Life plus 10,000 Preferred Airmiles
   RCBC Visa Infinite	₱100,000 single-receipt or accumulated spend, straight or installment	No Annual Fee For Life plus 100,000 Rewards Points



3. Transactions made by the Supplementary cardholder will be qualified as part of the Principal cardholder’s spend.
4. All posted retail and installment transactions in pesos and 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”) found here are also not qualified.
5. Upon meeting the required spend, the qualified cardholder must register once online until February 28, 2025 at https://cloud.marketing.rcbcbankard.com/welcomevpaa to avail of the Welcome Gift and input the following:
   • Card Embossed Name
   • First 8 and last 4 digits of your RCBC Visa Credit 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 the spend cut-off date)	SMS CONFIRMATION
   May 25 to June 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 30, 2024	December 20, 2024
   December 1 to 31, 2024	January 20, 2025
   January 1 to 31, 2025	February 21, 2025
   February 1 to 28, 2025	March 21, 2025
   March 1 to 31, 2025	April 21, 2025



8. The cardholder can only avail of the No Annual Fee For Life offer and receive a Welcome Gift once for the duration of the promo.
9. The No Annual Fee For Life offer will be forfeited and 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.
10. The cardholder agrees not to cancel his/her RCBC Credit Card within 24 months from its issue date. If the cardholder requests for card cancellation, 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).
11. The offer cannot be exchanged for cash, items, or products other than the offers indicated above.
12. The offer is not valid in conjunction with ongoing promotions for new RCBC Credit cardholders.
13. All employees of RCBC Bankard Services Corp., RCBC, and YGC are not qualified to avail of the offer.
14. Secured Card and other Card Types not specified in the promo mechanics are not qualified.
15. 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.
16. 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.
17. The promo is subject to the Terms and Conditions governing the issuance and use of RCBC Credit Card.

Per DTI FTEB-193544, Series of 2024