No Annual Fee For Life
Apply for any eligible RCBC Credit Card from April 16 to July 15, 2025, through the following application channels: Direct Sales/Booths, RCBC Branches, and Corporate Sales.
Online application channels are excluded from this offer.
Promo Mechanics:
- The promo is open to new-to-RCBC Credit Card applicants with existing primary credit card/s from another bank who applied within the promo period from April 16 to July 15, 2025, through Direct Sales, Branches, and Corporate sales channels, and subsequently got approved for the following RCBC Credit Cards:
- RCBC Visa Platinum
- RCBC Mastercard Platinum (Black and Diamond)
- RCBC JCB Platinum
- RCBC UnionPay Diamond
- RCBC Flex Gold Visa
- RCBC Flex Visa
- AirAsia Credit Card
- RCBC Landmark Anson's Mastercard
Cardholders with existing RCBC Credit Cards/upgraded/converted cards are not qualified to avail of this promo.
- To avail of the No Annual Fee For Life offer, eligible cardholders must make a single receipt or accumulated spend anywhere using their new RCBC Credit Card within 60 days from receipt of card:
| CARD TYPE | SPEND REQUIREMENT |
| RCBC Visa Platinum, RCBC Mastercard Platinum (Black and Diamond), RCBC JCB Platinum, RCBC UnionPay Diamond | ₱60,000 |
| RCBC Flex Gold Visa | ₱40,000 |
| RCBC Flex Visa | ₱30,000 |
| Co-Branded Cards: AirAsia Credit Card, RCBC Landmark Anson's Mastercard | ₱30,000 |
- Transactions made by the Supplementary cardholder will be qualified as part of the Primary cardholder’s spend.
- 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, 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:
| 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 |
- The offer is not valid in conjunction with ongoing promotions or programs for new RCBC Credit cardholders, such as but not limited to Welcome Gift.
- All employees of RCBC Bankard Services Corp., RCBC, and YGC as well as RCBC Wealth Clients are not qualified to avail of the offer.
- Secured Cards and other Card Types not specified in the promo mechanics are not qualified.
- 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.
- The promo is subject to the Terms and Conditions governing the issuance and use of an RCBC Credit Card.
Per DTI Fair Trade Permit Nos. FTEB-221218, Series of 2025
