No Annual Fee For Life + Up to 15,000 AirAsia points

PROMO MECHANICS

1. The No Annual Fee for Life Promo 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 of an AirAsia Platinum Credit Card or an AirAsia Classic 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)
• Online affiliates (e.g. Kaskasan Buddies)

^[1] Duration for each Card Scheme:

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

2. Cardholders with existing/upgraded/converted/cancelled RCBC Credit Cards are not qualified to avail of this promo.
3. Upon meeting the required spend, qualified New-to-RCBC AirAsia Classic & Platinum Credit Card principal cardholders will also receive the Welcome AirAsia points. Welcome AirAsia points will be credited to the qualified cardholder's AirAsia Move App account. Thus, cardholders must download and register in the AirAsia Move App, AirAsia points can be used to immediately redeem a flight or avail of lifestyle deals via the AirAsia Move App.

The welcome AirAsia points will be credited to the AirAsia Move App Account of the cardholder based on the schedule below:

4. Transactions made by the Supplementary cardholder will be qualified as part of the Primary cardholder’s spend.
5. 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:

6. 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.
7. 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.
8. The offer cannot be exchanged for cash, items, or products other than the offers indicated above.
9. All employees of RCBC Bankard Services Corp., RCBC, and YGC are not qualified to avail of the offer.
10. Secured Card and other Card Types not specified in the promo mechanics are not qualified
11. 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.
12. All questions and issues related to the promo can be accommodated beyond the promo period.
13. 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