Cash Loan + up to ₱4,000 eGift for FREE

Here's how:

Avail of a minimum ₱50,000 CASH LOAN with a loan term of at least 6 months. To avail, enter the Reference Code sent to you via SMS and/or EDM then click PROCEED or click the unique link in the SMS.

Once approved, your Cash Loan will be credited to your nominated account within 3 to 5 days.

The Universal eGift will be sent to you via SMS and can be used at over 400 merchants nationwide including The SM Store, Anson's Lazada, and more.

Promo Mechanics:


The Free Gift Certificate with Cash Loan ("Promo") is open to select RCBC Credit Cardholders ("qualified cardholders") who are recipients of the promo SMS and Electronic Direct Mail (“EDM”).


To avail, the qualified cardholder must apply for a Cash Loan thru the unique application link indicated in the SMS and EDM from November 10 to 30, 2022. (“Promo Period”). By availing of the offer, the cardholder agrees to receive SMS/text messages and freely consents to process his/her personal information concerning the promo.


Qualified cardholder must avail of a minimum of ₱50,000 CASH LOAN and at least a loan term of 6 months to avail of the offer. The Universal eGift that a cardholder can receive depends on the CASH LOAN AMOUNT, as indicated in the table below:

₱50,000 to <₱100,000 ₱1,000
₱100,000 to <₱150,000 ₱2,000
₱150,000 to <₱200,000 ₱3,000
₱200,000 & up ₱4,000

The Universal eGift can be used to shop at over 400 merchants nationwide.


Offer is not applicable to 3 months term and Cash Loan availment thru other channels.


The unique code for the Universal eGift online redemption will be sent via SMS to the cardholder’s registered mobile no. on December 20, 2022.


Cardholders can only receive one (1) Universal eGift for the duration of the Promo Period per account.


Splitting of transactions is not allowed. Multiple availments within the promo period using one account will be considered splitting.


The Universal eGift has no expiry.


RCBC Credit Cards/RCBC Bankard Services Corp. (RBSC) reserves the right to charge the cost of the Universal eGift against the cardholder’s credit card should he/she cancel his/her qualified loan transaction or if found to be fraudulent.


The offer cannot be exchanged for cash, rewards points, or products other than the offer indicated above.


Promo is not valid in conjunction with other offers of RCBC Credit Cards/RBSC.


All questions and concerns in relation to the Promo will only be accommodated within 30 days from the end of the promo period.


In case of dispute with regard to the customer’s eligibility and availment of the promo, the decision of RCBC Credit Cards/RBSC with the concurrence of DTI shall be considered final.

Per DTI Fair Trade Permit No. FTEB-155309, Series of 2022