No Annual Fee For Life!

Promo Mechanics:

  1. The promo is open to new-to-RCBC Credit Card applicants who applied for eligible RCBC Visa Credit Cards below from January 21 to March 31, 2024, and subsequently got approved. PROMO IS EXTENDED UNTIL APRIL 30, 2024, as approved by DTI-FTEB.
    Cardholders with existing RCBC Credit Cards and/or upgraded cards are not qualified to avail of this promo.


RCBC Flex Visa Gold & Flex Visa Credit Cards

Apply for an RCBC Flex Gold Visa here.
Apply for an RCBC Flex Visa here.


YGC Rewards Plus RCBC Visa Credit Cards

Apply for YGC Rewards Plus RCBC Visa here.

RCBC Visa Platinum

Apply for an RCBC Visa Platinum here.

airasia Credit Card

Apply for an airasia Credit Card here.
  1. To avail of the No Annual Fee For Life offer, eligible Cardholders must meet the Spend Requirement using their new RCBC Visa Credit Card within 60 days from receipt of card.
(single-receipt or accumulated)
RCBC Flex Visa,
YGC Rewards Plus RCBC Visa Classic,
airasia Credit Card
RCBC Flex Gold Visa,
YGC Rewards Plus RCBC Visa Gold
RCBC Visa Platinum
  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. Qualified cardholders who have met the required spend amount will receive a confirmation SMS to be sent to their registered mobile no. based on the schedule below:
February 21, 2024 February 28, 2024
March 20, 2024 March 27, 2024
April 23, 2024 April 30, 2024
May 22, 2024 May 29, 2024
June 19, 2024 June 26, 2024
July 24, 2024 July 31, 2024
August 20, 2024 August 27, 2024
September 30, 2024 October 7, 2024
  1. The offer is not valid in conjunction with ongoing promotions for new RCBC Credit cardholders.
  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 Cards 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 Bankard Services Corporation with the concurrence of DTI shall be considered final.
  5. 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-184341 Series of 2024