EXTRA 5% OFF at SM Store's 3 Day 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. The promo period is from October 1 to 4, 2026:
Caloocan
Cauayan
Araneta City Cubao
Daet
Dasmariñas
Makati
Quiapo
San Fernando Downtown
Southmall
Sto. Tomas
Zamboanga
  1. RCBC Credit Cardholders can avail of the following exclusive offers during the promo period:
Straight Purchase
Extra 5% OFF
Minimum single-receipt spend of ₱5,000 in-store
Discount is capped at ₱500
Installment Purchase
Extra 5% OFF
Minimum single-receipt spend of ₱15,000 in-store
Discount is capped at ₱2,000

*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).


  1. Discount will be awarded at point-of-sale at any SM Store counters.
  2. 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.
  3. Promo is not applicable on purchases of gift cards, gift certificates, gift passes, SM eco bags or wrapping items, membership cards, and other services.
  4. The promo cannot be availed in conjunction with any other ongoing promotional offers RCBC Credit Cards.
  5. Transactions made by the Supplementary cardholder are qualified as part of the Primary cardholder’s spend.
  6. Only one qualified transaction of cardholder during the promo period will be subjected for discount.
  7. Splitting of transactions for the purpose of getting multiple discounts is not allowed. Multiple transactions using one or more qualified RCBC Credit Card/s under one Cardholder within a 15-minute interval shall be considered as a split transaction.
  8. If found to have split transactions, only the first qualified transaction will be eligible for the discount and RCBC reserves the right to reverse or adjust the discount amount credited to the RCBC Credit Card, at RCBC's discretion.
  9. 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.
  10. By joining this promo, the Cardholder confirms that he/she has read, understood and agrees to be bound by the mechanics of the promo.
  11. 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.

Per DTI Fair Trade Permit No. FTEB-265358 Series of 2026