UNIONPAY: Up to ₱12,000 Travel Credits on Overseas Spend
KEY HIGHLIGHTS
- Register your RCBC UnionPay Credit Card to qualify. Click here to register.
- Use your registered card for in-store or online overseas transactions from May 8 to August 8, 2026, and earn:
Up to ₱7,000 TRAVEL CREDITS on China, Hong Kong, or Macau purchases
Up to ₱5,000 TRAVEL CREDITS on all other international spend
You can earn a maximum of ₱12,000 TRAVEL CREDITS during the promo period. Please refer to the details in the mechanics below.
PROMO MECHANICS
- The promotion is open to all RCBC UnionPay Credit Cardholders (Principal and Supplementary). The account must be active and in good credit standing during the spending and crediting periods.
- To qualify, cardholders must register online.
- Promotion & Registration Period: May 8 – August 8, 2026
- Qualified Spend: Single or accumulated foreign-currency transactions (in-store or online) made outside the Philippines and posted within the promo period.
- Excluded: Transactions processed via DCC (charged in PHP), quasi-cash, casino chips, money transfers, fees/charges, refunds/reversals, and installment amortizations posted in PHP.
- Principal and Supplementary cardholder transactions will be combined and considered under the Principal’s account for Travel Credits computation.
Earning Table (Quick Reference)
| CHINA, HONG KONG, AND MACAU |
| SPEND REQUIREMENT | TRAVEL CREDITS |
| ₱30,000 to <₱60,000 | ₱1,000 |
| ₱60,000 to <₱90,000 | ₱2,000 |
| ₱90,000 to <₱120,000 | ₱3,000 |
| ₱120,000 to <₱150,000 | ₱4,000 |
| ₱150,000 to <₱180,000 | ₱5,000 |
| ₱180,000 to <₱200,000 | ₱6,000 |
| ₱200,000 and up | ₱7,000 |
| GLOBAL |
| SPEND REQUIREMENT | TRAVEL CREDITS |
| ₱30,000 to <₱60,000 | ₱1,000 |
| ₱60,000 to <₱90,000 | ₱2,000 |
| ₱90,000 to <₱120,000 | ₱3,000 |
| ₱120,000 to <₱150,000 | ₱3,500 |
| ₱150,000 to <₱180,000 | ₱4,000 |
| ₱180,000 to <₱200,000 | ₱4,500 |
| ₱200,000 and up | ₱5,000 |
| OVERALL MAXIMUM |
| SPEND CATEGORY | MAXIMUM TRAVEL CREDITS |
| China, Hong Kong, or Macau spend | ₱7,000 |
| Globel spend (all other countries) | ₱5,000 |
| Maximum Total Travel Credits per Cardholder | ₱12,000 |
Notes:
- A cardholder may earn a maximum of ₱12,000 Travel Credits for the entire program, even if combined China/Hong Kong/Macau and Global spend exceeds individual caps.
- Tip at POS/Checkout: Always choose the local currency of the country (e.g., CNY in China) to avoid DCC and ensure eligibility.
- Crediting: Earned Travel Credits will be posted within 60 days from the end of the promo period, on or before October 8, 2026.
- Travel Credits may be used to offset future purchases/billed charges (or as digital e-vouchers if RCBC deploys this fulfillment method).
- Cardholders will receive SMS/email notification once the SC has been posted/issued.
- RCBC Credit Cards reserves the right to charge back the value of travel credits for fraudulent, cancelled, or reversed transactions.
- In case of a dispute regarding customer eligibility or promo availment, the decision of RCBC Credit Cards, with the concurrence of DTI, shall be final.
Per DTI Fair Trade Permit No. FTEB-256024 Series of 2026
