Spend Anywhere and Get FREE SM Gift Pass with RCBC UnionPay

Get rewarded when you spend anywhere locally — single-receipt, straight in-store or online — with your RCBC UnionPay Credit Card from October 31 to December 31, 2025!

PROMO MECHANICS

1. The RCBC UnionPay Credit Cards Spend Anywhere Promo (“The Promo”) is open to all RCBC UnionPay Credit Cardholders who have received communication materials from RCBC Bankard Services Corp. (“RCBC Credit Cards”) and whose accounts are active and in good standing during the promo period and at the time of registration.
2. Promo Period (Registration & Spend Period): October 31 to December 31, 2025
3. Registration
1. To qualify for the promo, the Principal RCBC Credit Cardholder (“The Cardholder”) who received communication materials must register online HERE (“Promo Registration Portal”) by providing the following information:
• Unique Registration Code - The Principal Cardholder must have an updated mobile number and email address with RCBC Credit Cards to ensure receipt of the Unique Registration Code.
• Unique PIN Code - Cardholders with multiple RCBC Credit Cards will receive only one Unique PIN Code for all their RCBC Credit Cards, and shall only need a single registration to register all their qualified Cards.
2. By registering for the promo, the cardholder:
• agrees to receive SMS/text messages or emails, and freely consents to process their personal information in relation to the promo.
• ensures the security of their unique registration code provided by RCBC Credit Cards. RCBC Credit Cards will not resend, retrieve, modify, or change the cardholder’s unique registration code. Codes are non-transferable and can only be used by the recipient.
• confirms responsibility for providing their personal information and other information that may be required by RCBC Credit Cards’ third-party service provider and agrees that such information shall be subject to the confidentiality, data privacy, and security terms of service provider 1ISA, Inc.
• acknowledges that they have read and understood the Promo Mechanics and agree to be bound by the same in their participation.
4. Qualified Spend:
1. The qualified cardholder who meets the required spend “Qualified Spend” shall be entitled to receive an electronic gift code “Instaperx Code” with corresponding reward “Freebie” specified in the table below:

2. The qualified cardholder will only start earning freebies for their qualified spend on the day they successfully register at the promo website.
3. One (1) Instaperx Code is equivalent to one (1) freebie.
4. Instaperx Codes from qualified spend of the cardholders will be uploaded to the promo website based on the schedule below: 

The cardholders can view their earned Instaperx Codes from all their qualified spend by logging in to their account at the promo website by using the same information: Unique Registration Code and Unique PIN Code

5. The following transactions will not qualify for the promo to earn freebies:
• Transactions prior to the date of registration
• Overseas / international transactions
• Subsequently cancelled or refunded transactions
• RCBC Credit Card’s Installment Program availments such as but not limited to Balance Conversion/ Purchase Conversion, Cash Advance, CHARGE, Balance Transfer, InstaCash/Cash Loan, InstaLoan/YourCash!, UnliPay, and Monthly amortizations from installment transactions or installment plan availment
• All types of Auto-charge, Recurring bill transactions, Bills payment (e.g., Meralco, Telco), RCBC Credit Card’s Fast BillsPay
• Transactions from Casino/Gambling, Money Transfers, Quasi Cash, Member Financial Institutions, Political Organizations, Bail, Bond Payment, Wholesale & Distribution, Multi-level Marketing/Networking, MOTO (e.g., Fern, Amway, UNO, Herbalife, UHS/USANA, Suy Sing, Dyna Drug, Young Living, and the like)
• Remittance, Payment Services, Online Aggregators, POI Funding Transactions, and mobile payment/mobile wallet (e.g., GCash, Lazada Top-Up, PayMaya, Grab/GrabPay, PayPal, PayMongo, Coins.ph, and the like)
• Transactions with the following bearing the following merchant category codes: 4829, 6050, 6051, 6211, 6532, 6533, 6536, 6537, 6538, 6540, 6760, 8651, 9211, 9222, 9223, 9411,7995
• Payments made to social media platforms, cloud service, and software providers; transactions for business purposes.

  RCBC/RCBC Credit Cards is dependent on the merchant category classifications assigned by acquiring banks of each merchant establishment to be able to identify qualified transactions, but RCBC Bankard Services Corp. has the sole discretion to determine whether a transaction is classified for this promo.

6. Only one (1) transaction meeting the minimum spend requirement per unique merchant per Principal cardholder account, per day shall be eligible for the promo. Transactions from one branch to another branch with the same merchant per day is strictly not allowed, and considered as splitting. Any transaction that is determined to be a result of splitting will not earn a freebie.
7. Each cardholder with a unique registration code is only allowed to earn a maximum of fifteen (15) freebies per Card during the entire promo period, regardless of the qualified spend tier.
8. Transactions made by the Supplementary cardholder are qualified as part of the Primary cardholder’s spend.
9. Cardholder’s RCBC Credit Card must be active and of good credit standing at the time of uploading the Instaperx Code, otherwise, the freebie shall be forfeited.

5. Redemption & Usage of Instaperx Code/s:
1. To redeem, qualified cardholder must present their Instaperx Code upon redemption at any SM Store nationwide.
2. Redemption Partner will validate the Instaperx Code via POS or online. Instaperx Code can only be used once.
3. The cardholder may do multiple redemptions per day within the redemption period.
4. RCBC Credit Cards reserves the right to charge the cost of the freebies redeemed against the cardholder’s credit card account should his/her redemption be found to be fraudulent in nature or should his/her earning of the freebie be found to be a result of splitting transactions.
5. The Instaperx Code cannot be exchanged for cash, rewards points, or products other than the offers indicated above.
6. The cardholder is responsible for monitoring the validity of their Instaperx Code. The cardholder must redeem the freebie within sixty (60) calendar days from uploading the Instaperx Code to their portal. All unredeemed Instaperx Codes will automatically expire.
7. The Promo Website will no longer be available effective March 26, 2026.
6. The promo cannot be availed in conjunction with other ongoing promotional offers of RCBC Credit Card. Transactions that were already used to redeem treats, cash rebates, or points multiplier from other RCBC Credit Card’s promotions may not be used by the cardholders to avail of the freebies. If found to have multiple availments, RCBC Credit Cards shall have the right to reverse the reward credited to the Cardholder’s RCBC Credit Card account.
7. All questions and issues arising from the promo may be raised to RCBC only and will only be accepted within thirty (30) calendar days from uploading the Instaperx Code/freebie, after which the promotion is considered conclusive.
8. RCBC Credit Cards do not represent 1ISA, Inc. & The Redemption Partner, and makes no representation to the quality of food and services provided. All feedback with regard to the quality of product and services provided shall be directed to The Redemption Partner & 1ISA Inc.
9. In case of dispute with regard to the cardholder’s eligibility and availment of the promo, the decision of RCBC Credit Cards with the concurrence of DTI shall be considered final.

DTI Fair Trade Permit No. FTEB-241234 Series of 2025