No Annual Fee For Life!


PROMO MECHANICS

  1. The No Annual Fee For Life (NAFFL) offer is open to new-to-RCBC principal credit card applicants*, whether or not they have existing primary credit card/s from another bank, who apply from October 16 to December 31, 2026, and are subsequently approved for any eligible RCBC Credit Card.

    Applications must be made through any of the following channels:

    1. RCBC’s Direct Sales** (e.g., Sales Booths)
    2. RCBC Branches**
    3. RCBC Corporate Sales**
    4. Co-Brand Partners' Sales Channels

*Cardholders with existing RCBC Credit Cards, as well as those with upgraded/converted cards, are not eligible for this promo. Additionally, applicants with cancelled RCBC Credit Cards within the past 24 months will also not qualify.

**For face-to-face application channels (with physical forms), the application date indicated by the applicant shall serve as the basis for NAFFL eligibility.

  1. The following RCBC Credit Cards are eligible for the No Annual Fee For Life offer. Qualified cardholders must meet the required spend in a single-receipt or accumulated purchases anywhere using their new RCBC Credit Card within 60 days from receipt of card:
Card Type Min. Spend Requirement
  • RCBC Flex Visa
  • RCBC Mastercard Classic
  • RCBC JCB Classic
  • AirAsia Credit Card
  • RCBC Landmark Anson's Mastercard
 ₱30,000
  • RCBC Flex Gold Visa
  • RCBC Mastercard Gold
  • RCBC JCB Gold
 ₱40,000
  • RCBC Black Platinum Mastercard
  • RCBC Diamond Platinum Mastercard
  • RCBC JCB Platinum
  • RCBC UnionPay Diamond
  • AirAsia Platinum
  • ZALORA Credit Card
 ₱60,000
  1. Transactions made by the Supplementary cardholder will be qualified as part of the Primary cardholder’s spend. However, approved supplementary credit card applications will not be included in the NAFFL tagging.
  2. All posted retail and installment transactions in pesos and in other currencies are qualified for the promo, including online transactions, mail & telephone orders, and recurring payments.

    The following transactions are excluded from the promo: Unlipay, Cash Advance, Balance/Purchase Conversion, RCBC InstaCash, RCBC InstaLoan, Balance Transfer, 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). Transactions with the following Merchant Category Codes (“MCC”) are also not qualified:
MCC MCC DESCRIPTION
4829
 Money Transfer – Merchant
6050
 Quasi Cash – Customer Financial Institution
6051
 Quasi Cash – Merchant
6211
 Securities – Brokers/Dealers
6532
 Payment Transaction – Customer Financial Institution
6533
 Payment Transaction – Merchant
6536
 MoneySend Intracountry
6537
 MoneySend Intercountry
6538 MoneySend Funding
6540
 POI Funding Transactions
6760
 U.S. Savings Bonds
8651
 Political Contributions/Organizations
9211
 Court Costs including Alimony and Child Support
9222
 Fines
9223
 Bail and Bond Payments
9411
 Gov. Loan Payments
7995
 Casino/Gambling
9223 Bond or Bail Payment
  1. The offer is not valid in conjunction with ongoing promotions for new RCBC Credit cardholders, such as “Welcome Gift”*.
    *Exception: AirAsia and ZALORA Credit Cards remain eligible for their respective Welcome Gift offers.
  2. All employees of RCBC Bankard Services Corp., RCBC, and YGC as well as RCBC Wealth Clients are not qualified to avail of the offer.
  3. Secured Card and other Card Types not specified in the promo mechanics are not qualified.
  4. In case of dispute with regard to the customer’s eligibility and availment of the promo, the decision of RCBC with the concurrence of DTI shall be considered final.
  5. All questions and issues related to the promo can be accommodated beyond the promo period.
  6. The promo is subject to the Terms and Conditions governing the issuance and use of RCBC Credit Card.

DTI Fair Trade Permit No. FTEB-269105 Series of 2026