Spend Anywhere Overseas Mastercard Promo

HOW IT WORKS

Step 1

REGISTER

Register your eligible RCBC Mastercard Credit Card to qualify for the promo.

Register Now
Step 2

SPEND

Use your card overseas in-store or online for non-Philippine Peso purchases to earn up to ₱8,000 CASHBACK

Promo Period:
November 9, 2026 – January 31, 2027
Step 3

QUALIFY

Meet the required minimum accumulated spend for your card tier:

  • Classic ₱30,000
  • Gold ₱40,000
  • Platinum ₱50,000
  • World ₱100,000

PROMO MECHANICS

  1. The promotion is open to all RCBC Mastercard Credit Cardholders (Principal and Supplementary). The account must be active and in good credit standing during the spending and crediting periods.
  2. Promo & registration period: November 9, 2026 – January 31, 2027
  3. Registration: One-time registration is required during the promo period. Click here to register.
  4. Qualified Spend: Single or accumulated foreign-currency transactions (in-store or online) made outside the Philippines and posted within the promo period.
  5. Excluded: Transactions processed via DCC (charged in PHP), quasi-cash, casino chips, money transfers, fees/charges, refunds/reversals, and installment amortizations posted in PHP.
  6. Principal and Supplementary transactions will be combined and considered under the Principal’s account for Cashback computation.
  7. Minimum Spend Requirement to Qualify for Cashback:
      • ₱30,000 for RCBC Mastercard Classic
      • ₱40,000 for RCBC Mastercard Gold
      • ₱50,000 for RCBC Platinum Mastercard
      • ₱100,000 for RCBC World Mastercard
  8. Qualified cardholders will earn Cashback if they meet the required spending (whether single or accumulated), on in-store & online, foreign currency transactions other than the Philippine Peso during the promotion period:
SPEND TIER (Converted in PHP) CASHBACK
₱30,000 – < ₱50,000 ₱700
₱50,000 – < ₱100,000 ₱1,000
₱100,000 – < ₱200,000 ₱2,000
₱200,000 – < ₱300,000 ₱4,000
₱300,000 – < ₱400,000 ₱6,000
₱400,000 – < ₱500,000 ₱8,000

Cashback capped at ₱8,000 per cardholder.

Tip at POS/Checkout: Always choose the local currency of the country (e.g., JPY in Japan) to avoid DCC and ensure eligibility.
  1. Crediting: Earned Cashback will be posted within 60 days from the end of the promo period, on or before April 1, 2027.
  2. Cashback may be used to offset future purchases/billed charges (or as digital e-vouchers if RCBC deploys this fulfillment method).
  3. Cardholders will receive SMS/email notification once the Cashback has been posted/issued.
  4. RCBC Credit Cards reserves the right to charge back the value of Cashback for fraudulent, cancelled, or reversed transactions.
  5. In case of a dispute regarding customer eligibility or promo availment, the decision of RCBC Credit Cards, with the concurrence of DTI, shall be final.

DTI Fair Trade Permit No.: FTEB-270818 Series of 2026