Holiday Installment Spend Anywhere: Up to ₱8,000 CASH REBATE

HERE'S HOW:

Register online via spendanywhere-installment.rcbcpromos.com using the Unique Code and PIN Code you received in your SMS or email.

Go holiday shopping at 0% Installment or Buy Now, Pay Later with your registered Card from November 5, 2025 to January 31, 2026.

The rebate amount is based on the Principal amount and not on the monthly amortization.

You can earn a maximum of ₱8,000 CASH REBATE during the promo period. Cash Rebates will be credited on February 20, 2026.

PROMO MECHANICS

1. The Promo is open to Principal RCBC Credit Cardholders (“eligible cardholders”) who are active and in good credit standing. The Principal Cardholder must have an updated mobile number and email address with RCBC Bankard Services Corp. (“RCBC Credit Cards”).
2. Registration & Spend Period is from November 5, 2025 to January 31, 2026.
1. Registration:
1. To qualify for the promo, the Principal RCBC Credit Cardholder must register and create an account online at https://spendanywhere-installment.rcbcpromos.com by providing the following information as received in their SMS or email: Unique Registration Code and PIN Code
2. By registering for the promo, the Cardholder:
• agrees to receive SMS/text messages or e-mails, and freely consents to process his/her personal information in relation to the promo.
• ensures the security of his/ her unique registration code provided by RCBC Credit Cards. RCBC Credit Cards will not resend, retrieve, and cannot modify or change the cardholder’s unique registration code. Codes are non-transferable and can only be used by the recipient.
• confirms that he/she is responsible for providing his 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 the third-party service provider, 1ISA, Inc.
• acknowledges that he/ she has read and understood the Promo Mechanics and agrees to be bound by same in his/ her participation.
2. Qualified Spend:
1. The eligible cardholder shall earn cash rebates based on the minimum 0% Installment and Buy Now Pay Later spend amount (“qualified cardholders”) met, subject to a total maximum cash rebate amount per account of ₱8,000 for the promo period.   (Refer to the above table)
2. 0% installment and Buy Now Pay Later spend amount should be met within the following spend period to earn cash rebates. Cash rebates shall be credited on the crediting date below: 

3. Transactions made by the Supplementary cardholder are qualified as part of the Principal cardholder’s spend.
4. The following transactions will not qualify for the promo to earn a Cash Back/Cash Rebate:
• Transactions made prior the registration date
• Transactions made prior and after the spend period
• Straight transactions
• Overseas / International transactions
• Subsequently cancelled or refunded transactions
• Unli Instalment and Unli Zero Installment transactions
• Balance Conversion/ Purchase Conversion, Cash Advance, CHARGE, Balance Transfer, InstaCash/Cash Loan, Your Cash!, UnliPay / Monthly amortizations from installment transactions
• All types of Auto-charge, Recurring bill transactions, Bills payment (e.g., Meralco, Telco – Globe, Smart, Dito), 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

5. Crediting of Cash Rebates:
1. The cash rebates will be credited to eligible cardholders’ accounts within 15 working days after the end of the promo period. See below for the schedule:

2. Cardholder's RCBC Credit Card must be active and of good credit standing at the time of crediting the Cash Rebate. Otherwise, the Cash Rebate shall be forfeited.
3. Earned Cash Rebate is treated as a credit or payment for purchases or any outstanding balance on the qualified RCBC Credit Card, which will be posted on the cardholders' Statement of Account (SOA)
4. RCBC reserves the right to reverse or adjust the Cash Rebate posted if the qualifying transactions were disputed or cancelled on a later date, or if the transaction is found to be invalid or fraudulent, or if a reversal of entry is made on any of the qualified transactions, or if there is erroneous posting of the rebate, or if the transaction was used to register or redeem from another ongoing promo.
5.  The Cash Rebate cannot be exchanged for cash, rewards points, or products other than the offer indicated above.
6. All questions or disputes on qualified transactions must be raised by the Cardholder within thirty (30) days from posting of the Cash Rebate.

6. Easyterms 0% Interest Installment and Buy Now Pay Later

1. Easyterms 0% interest is applicable if the cardholder pays his/her monthly installment in full.
2. The application and implementation of RCBC Credit Cards' Easyterms 0% Installment is subject to RCBC Credit Cards’ approval.
3. Easyterms 0% installment merchant partners have the sole discretion over the term/s, item/s, minimum spend requirement and availability of Buy Now Pay Later (BNPL) applicable for the 0% interest offering.
4. If the cardholder decides to pay the installment plan in full before maturity, a pre-termination fee of ₱500.00 or 5% of the unpaid principal amount, whichever is higher, will be charged. The amount of the prizes awarded from pre-terminated transactions under this promo shall be charged to the cardholder.

7. The promo cannot be availed in conjunction with other ongoing promotional offers of RCBC Credit Card. Transactions that were already provided discounts, cash rebates or points multiplier from other RCBC Credit Card’s promotions will no longer qualify for the reward under this promo even if the concerned transaction meets the criteria of the other promo.
8. In case of dispute but not limited to the Cardholder’s eligibility, coverage of dates and fulfillment, RCBC Credit Cards’ decision shall prevail with concurrence of DTI. All questions or disputes must be raised by the Cardholder within thirty (30) days from posting of the prize.

DTI Fair Trade Permit No. FTEB-241727 Series of 2025