Spend Anywhere Overseas: Up to ₱12,000 SHOPPING CREDITS with RCBC JCB
KEY HIGHLIGHTS
- To qualify, register online here.
- Use your RCBC JCB Credit Card for in-store or online overseas transactions from November 7, 2025 to January 31, 2026, and earn:
Up to ₱7,000 SHOPPING CREDITS on Japan purchases
Up to ₱7,000 SHOPPING CREDITS on all other international spend
You can earn a maximum of ₱12,000 SHOPPING CREDITS during the promo period. Please refer to the details in the mechanics below.
PROMO MECHANICS
- The promotion is open to all RCBC JCB Credit Cardholders.
The account must be active and in good credit standing during the spending and redemption period. - To qualify, cardholders must register at https://cloud.marketing.rcbcbankard.com/JCB12K. Registration is required only once.
- Promotion & Registration Period: November 7, 2025 – January 31, 2026
- Qualified Spend: Single or accumulated foreign-currency transactions (in-store or online) made outside the Philippines and posted within the promo period.
- Excluded: Transactions processed via DCC (charged in PHP), quasi-cash, casino chips, money transfers, fees/charges, refunds/reversals, and installment amortizations posted in PHP.
- Principal and Supplementary cardholder transactions will be combined and considered under the Principal’s account for Shopping Credits computation.
- Minimum Spend Requirement to Qualify for Shopping Credits:
- ₱30,000 for RCBC JCB Classic
- ₱40,000 for RCBC JCB Gold
- ₱50,000 for RCBC JCB Platinum
Earning Table (Quick Reference)
| JAPAN |
| SPEND REQUIREMENT | SHOPPING CREDITS |
| For JCB Classic: ₱30,000 to <₱60,000 For JCB Gold: ₱40,000 to <₱60,000 For JCB Platinum: ₱50,000 to <₱60,000 | ₱1,000 |
| ₱60,000 to <₱90,000 | ₱2,000 |
| ₱90,000 to <₱120,000 | ₱3,000 |
| ₱120,000 to <₱150,000 | ₱4,000 |
| ₱150,000 to <₱180,000 | ₱5,000 |
| ₱180,000 to <₱200,000 | ₱6,000 |
| ₱200,000 and up | ₱7,000 |
| GLOBAL |
| SPEND REQUIREMENT | SHOPPING CREDITS |
| For JCB Classic: ₱30,000 to <₱60,000
For JCB Gold: ₱40,000 to <₱60,000 For JCB Platinum: ₱50,000 to <₱60,000 | ₱1,000 |
| ₱60,000 to <₱90,000 | ₱2,000 |
| ₱90,000 to <₱120,000 | ₱3,000 |
| ₱120,000 to <₱150,000 | ₱4,000 |
| ₱150,000 to <₱180,000 | ₱5,000 |
| ₱180,000 to <₱200,000 | ₱6,000 |
| ₱200,000 and up | ₱7,000 |
| COMBINED MAXIMUM |
| SPEND CATEGORY | MAXIMUM SHOPPING CREDITS |
| Japan spend | ₱7,000 |
| Globel spend | ₱7,000 |
| Maximum Total Cap per Cardholder | ₱12,000 |
SAMPLE COMPUTATION
| SHOPPING CREDITS EARNED | FINAL CREDITED | ||
| Japan | Global | Total | |
| ₱7,000 | ₱7,000 | ₱14,000 | ₱12,000 (maximum) |
| ₱6,000 | ₱5,000 | ₱11,000 | ₱11,000 |
| ₱7,000 | ₱3,000 | ₱10,000 | ₱10,000 |
Notes:
- A cardholder may earn a maximum of ₱12,000 Shopping Credits for the entire program, even if combined Japan and Global spend exceeds individual caps.
- Tip at POS/Checkout: Always choose the local currency of the country (e.g., JPY in Japan) to avoid DCC and ensure eligibility.
- Crediting: Earned Shopping Credits will be posted within 60 days from the end of the promo period, on or before March 31, 2026.
- Shopping Credits may be used to offset future purchases/billed charges (or as digital e-vouchers if RCBC deploys this fulfillment method).
- Cardholders will receive SMS/email notification once the SC has been posted/issued.
- RCBC Credit Cards reserves the right to charge back the value of SC for fraudulent, cancelled, or reversed transactions.
- In case of a dispute regarding customer eligibility or promo availment, the decision of RCBC Credit Cards, with the concurrence of DTI, shall be final.
Per DTI Fair Trade Permit No. FTEB-241959 Series of 2025
