No Annual Fees For Life!



Promo Mechanics:

  1. The  No Annual Fee is open to new-to-RCBC Credit Card principal card applicants with existing Philippine-issued credit cards from other banks, who applied and subsequently got approved for an RCBC Credit Card from July 1 to September 30, 2025[1]. Applicants should apply online through any existing digital acquisition channels, which include but are not limited to the following:
      • Social Media Acquisition Campaigns (e.g.Meta/Facebook)[2]
      • Google Advertisements (e.g.: Search Ad, Display Ad)[2]
      • Direct to website (applications.rcbccredit.com)

[1] Duration for each Card Scheme:

PROMO PERIODELIGIBLE CARDS
July 1 - September 30, 2025RCBC Flex Gold Visa,
RCBC Flex Visa,
AirAsia Platinum Credit Card,
AirAsia Credit Card
July 16 - September 30, 2025RCBC Black Platinum Mastercard Platinum,
RCBC Diamond Platinum Mastercard Platinum, 
RCBC JCB Platinum,
RCBC JCB Classic,
RCBC JCB Gold,
RCBC Gold Mastercard,
RCBC Classic Mastercard,
RCBC Landmark Anson’s Mastercard

[2] Redirect to RCBC Credit Cards' Digital-Onboarding platform.

  1. Cardholders with existing RCBC Credit Cards/upgraded/converted cards are not qualified to avail of this promo.
  2. Qualified cardholders must make a single-receipt or accumulated spend anywhere using their new RCBC Credit Card within 60 days from receipt of card:
CARD TYPESPEND REQUIREMENT
RCBC Black Platinum Mastercard Platinum,
RCBC Diamond Platinum Mastercard Platinum,
RCBC JCB Platinum,
AirAsia Platinum		₱60,000
RCBC Flex Gold Visa,
RCBC Mastercard Gold,
RCBC JCB Gold		₱40,000
RCBC Flex Visa,
RCBC Mastercard Classic,
RCBC JCB Classic,
AirAsia Credit Card,
RCBC Landmark Anson's Mastercard		₱30,000
  1. Transactions made by the Supplementary cardholder will be qualified as part of the Primary cardholder’s spend.
  2. 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.

    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:
MCCMCC 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
6538MoneySend 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
9223Bond or Bail Payment
  1. The offer is not valid in conjunction with ongoing promotions or programs for new RCBC Credit cardholders, such as but not limited to Welcome Gift.
  2. The offer will be forfeited if the cardholder cancels the qualifying purchase and/or if the credit card transaction or redemption is found to be fraudulent.
  3. The offer cannot be exchanged for cash, items, or products other than the offers indicated above.
  4. All employees of RCBC Bankard Services Corp., RCBC, and YGC are not qualified to avail of the offer.
  5. Secured Card and other Card Types not specified in the promo mechanics are not qualified
  6. 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.
  7. All questions and issues related to the promo can be accommodated beyond the promo period.
  8. The promo is subject to the Terms and Conditions governing the issuance and use of RCBC Credit Card.

Per DTI Fair Trade Permit Nos. FTEB-229478, Series of 2025