JCB: Up to ₱12,000 SHOPPING CREDITS on Overseas Spend


KEY HIGHLIGHTS

  1. Register your RCBC JCB Credit Card to qualify. Click here to register.
  2. Use your registered card for in-store or online overseas transactions from May 1 to July 31, 2026, and earn:

    Up to ₱7,000 SHOPPING CREDITS on Japan purchases
 Up to ₱5,000 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.

  1. Minimum accumulated spend requirement to qualify:
      • ₱30,000 for RCBC JCB Classic
      • ₱40,000 for RCBC JCB Gold
      • ₱50,000 for RCBC JCB Platinum


PROMO MECHANICS

  1. The promotion is open to all RCBC JCB Credit Cardholders (Principal and Supplementary). The account must be active and in good credit standing during the spending and crediting periods.
  2. To qualify, cardholders must register online.
  3. Promotion & Registration Period: May 1 – July 31, 2026
  4. Qualified Spend: Single or accumulated foreign-currency transactions (in-store or online) made outside the Philippines and posted within the promo period.
  5. Excluded: Transactions processed via DCC (charged in PHP), quasi-cash, casino chips, money transfers, fees/charges, refunds/reversals, and installment amortizations posted in PHP.
  6. Principal and Supplementary cardholder transactions will be combined and considered under the Principal’s account for Shopping Credits computation.
  7. 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 REQUIREMENTSHOPPING 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 REQUIREMENTSHOPPING 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₱3,500
₱150,000 to <₱180,000₱4,000
₱180,000 to <₱200,000₱4,500
₱200,000 and up₱5,000


OVERALL MAXIMUM
SPEND CATEGORYMAXIMUM SHOPPING CREDITS
Japan spend₱7,000
Globel spend (all other countries)₱5,000
Maximum Total Shopping Credits per Cardholder ₱12,000

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.
  1. Crediting: Earned Shopping Credits will be posted within 60 days from the end of the promo period, on or before September 30, 2026.
  2. Shopping Credits may be used to offset future purchases/billed charges (or as digital e-vouchers if RCBC deploys this fulfillment method).
  3. Cardholders will receive SMS/email notification once the SC has been posted/issued.
  4. RCBC Credit Cards reserves the right to charge back the value of SC for fraudulent, cancelled, or reversed transactions.
  5. 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-255849 Series of 2026