No Annual Fee For Life

Promo Mechanics:

  1. The promo is open to new-to-RCBC Credit Card applicants who applied for any of the qualified RCBC Credit Cards (see table below) from October 1 to December 31, 2023 (EXTENDED UNTIL JANUARY 20, 2024), and subsequently got approved.
    Cardholders with existing RCBC Credit Cards and/or upgraded cards are not qualified to avail of this promo.
  2. To avail of the No Annual Fee For Life offer, eligible RCBC Credit Cardholders must meet the Spend Requirement using their new RCBC Credit Card within 60 days from card delivery:
    Click on the links below to apply.
(single-receipt or accumulated)
RCBC Flex Visa
RCBC Mastercard Classic
RCBC JCB Classic
YGC Rewards Plus Classic Visa
RCBC Landmark Anson’s Mastercard
RCBC MANGO Mastercard
RCBC Flex Gold Visa
RCBC Mastercard Gold
YGC Rewards Plus Gold Visa
RCBC Visa Platinum
RCBC Black Platinum Mastercard
RCBC Diamond Platinum Mastercard
YGC Rewards Plus Platinum Mastercard
RCBC JCB Platinum
RCBC Unionpay Diamond
RCBC World Mastercard₱50,000
  1. Transactions made by the Supplementary cardholder will be qualified as part of the Primary cardholder’s spend.
  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 or bills payment transactions.

    The following transactions are excluded from the promo: UnliPay, Cash Advance, Balance/Purchase Conversion, YourCash, Cash Loan, 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.

  3. The offer is not valid in conjunction with ongoing promotions for new RCBC Credit cardholders.
  4. All employees of RCBC Bankard Services Corp., RCBC, and YGC as well as RCBC Wealth Clients are not qualified to avail of the offer.
  5. Secured Cards and other Card Types not specified in the promo mechanics are not qualified.
  6. In case of dispute with regard to the customer’s eligibility and availment of the promo, the decision of RCBC Bankard Services Corporation with the concurrence of DTI shall be considered final.
  7. The promo is subject to the Terms and Conditions governing the issuance and use of an RCBC Credit Card.

DTI Fair Trade Permit No. FTEB-176952 Series of 2023 and FTEB-183423 Series of 2024.