EXTRA 10% CASHBACK at SM Store Clearance Sale

PROMO MECHANICS

1. The promo is open to all RCBC Credit Cardholders whose accounts are active and in good credit standing, excluding Corporate Card.
2. Promo period is from January 2 to 11, 2026, at all SM Stores nationwide.
3. RCBC Credit Cardholders can avail of the following offers during the promo period:

*The minimum purchase requirement is defined as net of all applicable discounts (i.e., class discounts, SM Advantage/SM Prestige discounts, and other SM discounts).

4. To avail of the promo, the Cardholder must register via the promo electronic direct mail or through the online registration form.
5. Promo can be availed in-store at all participating SM Store branches. The SM Store Personal Shopper and ShopSM transactions are excluded from this promo.
6. Transactions made by the Supplementary cardholder are qualified as part of the Primary cardholder’s spend.
7. Cashback amount is capped at ₱5,000 per card. Only one qualified straight transaction and one installment transaction of the cardholder during the sale event will be subjected for the cashback. In the event of multiple transactions, the highest transaction amount will receive the corresponding discount.

   Sample spend requirement and cashback computation for Spend Period: January 2 to 11, 2026:

8. Cashback will be credited to cardholders’ accounts on or before February 11, 2026.
9. Cashbacks are non-transferable and non-convertible to cash, however, it is treated as a credit or payment for purchases or any outstanding balance on the next statement cycle of the Card.
10. Cardholder must be active and in good credit standing at the time of crediting of cashback, otherwise, the earned cashback shall be forfeited.
11. RCBC Bankard Services Corp./ RCBC Credit Cards reserves the right to reverse the amount of the cashback awarded to the Principal and Supplementary Cardholder in the event that the qualifying transactions were cancelled at a later date or if the transaction is found to be invalid or fraudulent or a reversal of entry is made on any of the qualified transactions.
12. By joining this promo, the Cardholder confirms that he/she has read, understood and agrees to be bound by the mechanics of the promo.
13. In case of dispute, in respect of but not limited to the Cardholder’s eligibility, coverage of dates, transaction qualification, and fulfillment, RCBC Bankard Services Corp/ RCBC Credit Card’s decision shall prevail with the concurrence of DTI. All decisions made will be deemed final and non-negotiable. All questions or disputes shall be raised by the Cardholder within sixty (30) days after crediting of cashback.

DTI Fair Trade Permit No. FTEB-245106 Series of 2025