Installment Spend Anywhere: Earn up to ₱10,000 CASH REBATE

HERE'S HOW:

1. Go to https://spendanywhere-installment.rcbcpromos.com.
2. Register using the Unique Code and PIN Code you received in your SMS or email.

1. Purchase with a minimum single-receipt worth ₱25,000 - ₱49,999 at 0% installment or Buy Now Pay Later to earn a play token for a sure win of as much as ₱1,000 Cash Rebate.
2. Purchase with a minimum single-receipt worth at least ₱50,000 at 0% installment or Buy Now Pay Later to earn a play token for a sure win of as much as ₱10,000 Cash Rebate.

1. Log in at https://spendanywhere-installment.rcbcpromos.com using the Unique Code and PIN  Code you received in your SMS or email.
2. Play your available tokens.
3. Cash rebate will be credited on the schedule corresponding to your play date.

PROMO MECHANICS

1. The Promo is open to Principal RCBC Credit Cardholders (“eligible cardholders”) who are active and in good credit standing. The Principal Cardholder must have an updated mobile number and email address with RCBC Bankard Services Corp. (“RCBC Credit Cards”).
2. Registration Period is from November 21, 2024 to January 15, 2025.
   Spend Period is from November 21, 2024 to January 31, 2025.

a. Registration:

• To qualify for the promo, the Principal RCBC Credit Cardholder must register and create an account online at https://spendanywhere-installment.rcbcpromos.com/ by providing the following information as received in their SMS or email:

• Unique Registration Code
• PIN Code

• 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.

b. Qualified Spend:

• The eligible cardholder shall earn play tokens for every minimum single-receipt installment (0% installment and Buy Now Pay Later) spend amount (“qualified cardholders”) met. The schedule of awarding tokens per spend cut-off date is as follows. Tokens can be played as soon as made available.

• There are two (2) Prize Pools that the cardholders may play in, depending on their met spend:
• ₱25,000 to below ₱50,000 minimum single-receipt 0% installment or Buy Now Pay Later spend earns the cardholder one (1) play token under Prize Pool 1.
• ₱50,000 and up minimum single-receipt 0% installment or Buy Now Pay Later spend earns the cardholder one (1) play token under Prize Pool 2.

See table below for an illustration:

• Transactions made by the Supplementary cardholder are qualified as part of the Principal cardholder’s spend.
• The following transactions will not qualify for the promo to earn a Cash Back/Cash Rebate:

• Transactions made prior the registration date
• Transactions made prior and after the spend period
• Straight transactions
• Overseas / International transactions
• Subsequently cancelled or refunded transactions
• Unli instalment including Unli Zero Installment transactions
• Balance Conversion/ Purchase Conversion, Cash Advance, CHARGE, Balance Transfer, Cash Loan, Your Cash!, UNLIPAY / Monthly amortizations from installment transactions
• 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: 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.

c. Pick-A-Prize Game:

• Qualified Cardholders can play the Pick-a-Prize online game via https://spendanywhere-installment.rcbcpromos.com using their earned play tokens by logging in using their assigned Unique and PIN Code.
• A notification SMS or email will be sent to qualified cardholders every time a play token is awarded.
• Once inside the game site, the qualified cardholders click the play tokens to reveal their prize.
• All Play tokens, regardless of when awarded, will be available for play until March 31, 2025.

3. Crediting of Cash Rebates:

a. The cash rebate won by the cardholders will be credited to their account within 15 days after each play period cutoff. See below for the schedule:

b. Cardholder’s RCBC Credit Card must be active and of good credit standing at the time of crediting the Cash Rebate. Otherwise, the Cash Rebate shall be forfeited.
c. Earned Cash Rebate is treated as a credit or payment for purchases or any outstanding balance on the qualified RCBC Credit Card, which will be posted on the cardholders’ Statement of Account (SOA)
d. RCBC reserves the right to reverse or adjust the Cash Rebate 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 rebate, or if the transaction was used to register or redeem from another ongoing promo.
e. The Cash Rebate cannot be exchanged for cash, rewards points, or products other than the offer indicated above.
f. All questions or disputes on qualified transactions must be raised by the Cardholder within thirty (30) days from posting of the Cash Rebate until the following dates:

g. The Promo Website will no longer be available effective April 1, 2024.

4.  Easyterms 0% Interest Installment and Buy Now Pay Later

1. Easyterms 0% interest is applicable if the cardholder pays his/her monthly installment in full.
2. The application and implementation of RCBC Credit Cards' Easyterms 0% Installment is subject to RCBC Credit Cards’ approval.
3. Easyterms 0% installment merchant partners have the sole discretion over the term/s, item/s, minimum spend requirement and availability of Buy Now Pay Later (BNPL) applicable for the 0% interest offering.
4. If the cardholder decides to pay the installment plan in full before maturity, a pre-termination fee of ₱500.00 or 5% of the unpaid principal amount, whichever is higher, will be charged. The amount of the prizes awarded from pre-terminated transactions under this promo shall be charged to the cardholder.

5. The promo cannot be availed in conjunction with other ongoing promotional offers of RCBC Credit Card. Transactions that were already provided discounts, cash rebates or points multiplier from other RCBC Credit Card’s promotions will no longer qualify for the reward under this promo even if the concerned transaction meets the criteria of the other promo.
6. 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 prize.

DTI Fair Trade Permit No. FTEB-207432 Series of 2024