Win Back Up To ₱200,000!

HOW TO JOIN:

  1. REGISTER.
    To join, register your eligible RCBC JCB Credit Card. Click here to register.
  2. SPEND ANYWHERE.
    Use your registered card from November 3, 2025 to January 31, 2026.
  3. WIN BACK.
    Be one of the Top 3 Spenders during the promo period and get up to ₱200,000 rebate on your purchases!

PROMO MECHANICS

  1. The promo is open to select RCBC JCB Principal and Supplementary cardholders who are recipients of the promo electronic direct mail or SMS and who will use their qualified RCBC JCB Credit Card during the promo period (“Qualified cardholders”).
  2. Promo runs from November 3, 2025 to January 31, 2026.
  3. The Top 3 Spenders among the qualified RCBC JCB cardholders are entitled to 100% rebate of his/her purchases during the promo period, capped at ₱200,000.

    Illustration:

CARDHOLDERQUALIFIED SPEND
DURING PROMO PERIOD		REBATE
Top 1₱450,000₱200,000
Top 2₱208,000₱200,000
Top 3₱138,500₱138,500
  1. Local, overseas, online, POS-based, straight, or installment transactions are qualified for the offer.
  2. Transactions made by the Supplementary cardholder will be qualified as part of the Principal cardholder’s spend.
  3. The following posted transactions are qualified for the promo:
    1. Domestic retail/straight transactions
    2. Overseas retail/straight transactions
    3. Installment transactions
    4. Bills Payment
    5. Online transactions
    6. Recurring payments
    7. Mail & telephone orders

      The following transactions are excluded from the promo: InstaCash/Cash Loan, InstaLoan, Balance Transfer, Unlipay, Cash Advance, Balance/Purchase Conversion, Money Transfer and Quasi-Cash, Casino/Gambling, Political organizations, Bail, Bond Payment, Wholesale & Distribution, Multi-level Marketing (e.g. 1BRO Global, USANA, Frontrow, UNO, Suy Sing, Doterra, Herbalife, Alliance, First Vita, Young Living).

  4. Qualified cardholder must register once online (click here to register) within the promo period and input his/her Card Embossed Name and First 8/Last 4 Digits of RCBC JCB Credit Card.
  5. Qualified contenders will receive an SMS every 20th of the month.
  6. The top three (3) spenders will be determined in the presence of a DTI representative on February 12, 2026.
  7. The offer cannot be exchanged for cash, rewards points, or products other than the offers indicated above.
  8. All employees of RCBC Bankard Services Corp., RCBC, YGC, and JCB Philippines are not qualified to avail of the offer.
  9. By joining this promo, the Cardholder confirms that he/she has read, understood, and agrees to be bound by the mechanics of the promo.
  10. In case of dispute with regard to the customer’s eligibility and availment of the promo, the decision of RCBC Bankard Services Corp. with the concurrence of DTI shall be considered final.
  11. The promo is subject to the Terms and Conditions governing the issuance and use of RCBC Credit Card.

REDEMPTION

  1. RCBC Bankard Services Corporation (“RCBC Credit Cards”) will determine the Top Spenders based on their accumulated transactions using their RCBC JCB Credit Card during the promo period.
  2. The Top Three (3) Spenders will be notified via SMS, email, and registered mail on or before February 27, 2026.
  3. The Rebate will be credited to the qualified cardholder's RCBC JCB Credit Card.
  4. The Rebate is non-transferable. It is treated as a credit or payment for purchases or any outstanding balance.

Per DTI Fair Trade Permit Nos.FTEB-241622 Series of 2025