Spend Anywhere and Get Up To ₱5,000!

Promo Highlights

1. 
   An eligible RCBC Credit Cardholder must register and create an account online HERE from April 27 to June 30, 2026, using the Unique Registration Code and the PIN Code sent via SMS/email.
   
   Cardholders with multiple RCBC Credit Cards will receive only one Unique Code for all their RCBC Credit Cards and need to register only once to enroll all qualified Cards.

2. 
   Using the qualified card, meet the minimum spend requirement from April 27 to June 30, 2026 to earn your freebie:

3. 
   The freebie will be credited to the cardholder’s account on or before July 30, 2026.

1. The RCBC Credit Card Spend Anywhere Promo (“The Promo”) is open to all RCBC 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): April 27 to June 30, 2026
3. Registration:
1. To qualify for the promo, the Principal RCBC Credit Cardholder (“The Cardholder”) must register and create an account online at spendanywhere-straight.rcbcpromos.com (“Promo Website”) 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.
• Cardholders with multiple RCBC Credit Cards will receive only one Unique Code for all their RCBC Credit Cards and need to register only once to enroll all qualified Cards.
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.
4. Qualified Spend:
1. The qualified cardholder who meets the required spend “Qualified Spend” shall be entitled to receive a Cashback “Freebie” based on the table below:

2. Transactions made by the Supplementary cardholder are qualified as part of the Primary cardholder’s spend.
3. The following transactions will not qualify for the promo to earn a freebie:
• Transactions made prior to the registration date
• Overseas/International Transactions
• Direct local hotel, resort, and accommodation bookings (physical or online). See sample merchants here.
• Transactions made via online travel platforms (e.g., Agoda, Booking.com, Airbnb, Trip.com, Klook, Traveloka, etc.) processed in foreign currencies or locations.
• Subsequently cancelled or refunded transactions
• Balance Conversion, Purchase Conversion (Unli 0% and Unli Installment), Cash Advance, Balance Transfer, Cash Loan/InstaCash, Your Cash!/InstaLoan, UnliPay, & monthly amortizations from installment transactions or installment plan availment
• 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 “MCC”: 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 Credit Card 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.

5. Tracking of Spend & Freebie
1. The accumulated qualified spend and the corresponding freebie of registered of the cardholders can be tracked and will be uploaded to the promo website based on the schedule below:  

2. Spend tracker can be accessed by logging in to the promo website using the same credentials (Unique Registration Code and the PIN Code) during the promo registration.

6. Crediting of Freebie:
1. It is the responsibility of the Cardholder to monitor his/her qualified spend.
2. Transactions of the Principal and Supplementary Cardholders are computed collectively and will be credited to the Primary cardholder’s account based on the schedule below:

3. Cardholders who earned freebies will be notified by via SMS within ten (10) banking days from crediting of cashback, & will be shown on the Cardholders’ Statement of Account (SOA).
4. Earned freebie is treated as a credit or payment for purchases or any outstanding balance on the qualified RCBC Credit Card, which will be posted on cardholders’ Statement of Account (SOA).
5. Cardholder’s RCBC Credit Card must be active and of good credit standing at the time of crediting the freebie, otherwise, the freebie shall be forfeited.
6. RCBC reserves the right to reverse or adjust the cashback 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 cashback, or if the transaction was used to register or redeem from another ongoing promo.
7. The freebie cannot be exchanged for cash, rewards points, or products other than the offer indicated above.

7. The promo cannot be availed in conjunction with other ongoing promotional offers of RCBC Credit Card. Transactions that were already used to discounts, cash rebates or points multiplier from other RCBC Credit Card’s promotions may not be used by the cardholder to avail of the freebie 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 freebie.

Per DTI Fair Trade Permit No. FTEB-254912 Series of 2026