RCBC Credit Cards
Member-Get-Member Program

Key Highlights:

1. Eligible RCBC Credit Card holders will receive an electronic direct mail (“EDM”) containing their unique Referrer Code.
2. Invite your family and friends who are new-to-RCBC Credit Cards to apply online at https://applications.rcbccredit.com. Ensure they enter your unique Referrer Code to track your referrals accurately.

   The Referrer Code be found in the bottom part of Step 1:
   
   

3. Earn Incentives (to be credited as Cash Rebates to your RCBC Credit Card) for every approved referral. There's no cap on the incentives you can earn, so the more you share, the more you earn!

Plus, your referrals can enjoy a FREE Welcome Gift of their choice!

Program Mechanics

1. RCBC Credit Cards Member-Get-Member (MGM) Program is available to select RCBC Credit Card holders who are recipients of the promotional electronic direct mail (“EDM”) and/or SMS.
   RCBC Bankard Services Corp. employees and RCBC Corporate Cardholders are not eligible for this program.
2. Program runs until December 31, 2025.
3. Referrals must be new-to-RCBC Credit Cards applicants who do not have an existing RCBC Credit Card upon application.
4. Qualified cardholders will receive an EDM and follow-up SMS containing the program details, referral guidelines, and their unique Referrer Code.
5. Referrals must input the unique Referrer Code in their application form to qualify for the program. Applications without the Referrer Code will be treated as regular online applications and will not be attributed to the referrer.
6. Only successful applications will be deemed as qualified referrals. Unsuccessful applications (drop-offs) will be disqualified without notice.
7. Referrals should submit and complete their application through the RCBC Credit website, which includes eKYC verification and submission of required documents.
8. All applications will follow the standard RCBC Credit Cards application processes, including regular card delivery procedures.
9. Referrers will earn incentives for every approved referral, credited as cash rebates to their RCBC Credit Card. If the referrer has multiple cards, the rebate will be credited to the highest card type.
10. Approved referrals will also be eligible for current acquisition offers subject to its program mechanics.
11. There is no limit to the incentives/rebates a qualified referrer can earn.
12. Incentives will be credited monthly. Incentives for approved referrals from the current month will be credited in the second week of the following month.
13. Program incentives cannot be transferred or exchanged for cash.
14. Referrers will receive an SMS notification once incentives have been credited to their account.
15. If a single applicant submits multiple applications through different referrers, the application received and processed first by RCBC Credit Cards will be eligible for the MGM incentive.
16. If a referral has another application submitted through another channel,  the application received and processed first by RCBC Credit Cards will be considered the valid source. Referrers are advised to verify if applicants have any pending RCBC Credit Card applications.
17. Fraud, abuse, or any unauthorized action relating to the credit card application, participation in the MGM program, or the redemption of the MGM incentive may result in the disqualification of the cardholder/referrer from the Program. This shall be without prejudice to any legal action that may be taken by RCBC Credit Cards.
18. All information provided by referrals will be used by RCBC Credit Cards for the purpose of conducting this program. RCBC Credit Cardsmay disclose applicants’ personal information to contractors and/or agents to assist in conducting this program. RCBC Credit Cards further reserves its right to use any collected personal data of Participants in accordance with its Privacy Policy for any purpose related to this program.
19. All questions or disputes regarding the Cardholder’s eligibility for the program shall be resolved by RCBC Credit Cards.
20. By participating in this program, all participants will be deemed to have read, understood, and expressly agreed to be bound by the Terms & Conditions of this program as stated and any additional terms and conditions stipulated by the RCBC Bankard (as may be applicable) including the decisions of RCBC Credit Cards in all matters related thereto.
21. Registration for and/or participation in this program is deemed as acceptance of the conditions of entry. Acceptance of these Terms and Conditions is a condition of entry.

Per DTI Fair Trade Permit No. FTEB-000000, Series of 2024