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 within the promo period and are subsequently approved for any eligible RCBC Credit Card. Eligibility will be based on the encoding date of the application in RCBC Credit's processing system.
APPLICATION CHANNELSPROMO PERIOD

RCBC Digital channels, including

  • Direct to website (applications.rcbccredit.com)
  • Social Media (e.g., Meta/Facebook)
  • Google Advertisements (e.g., Search Ad, Display Ad)
  • Online Affiliates (e.g., Kaskasan Buddies and Digital Banks PH)
October 1 to December 31, 2025
RCBC’s Direct Sales (e.g., Sales Booths)
RCBC Branches
RCBC Corporate Sales
October 1 to December 21, 2025

The eligible RCBC Credit Cards are as follows:
(Click on the link to apply online)

    *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.

  1. To avail of the No Annual Fee For Life offer, qualified 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 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 		₱50,000
RCBC Black Platinum Mastercard,
RCBC Diamond Platinum Mastercard,
RCBC JCB Platinum,
RCBC UnionPay Diamond
AirAsia Platinum 		₱60,000
RCBC Visa Platinum
 ₱100,000
RCBC World Mastercard ₱120,000
    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 or programs for new RCBC Credit cardholders.
    2. The offer will be forfeited if the cardholder cancels the qualifying purchase and/or if the credit card transaction or redemption is found to be fraudulent.
    3. The offer cannot be exchanged for cash, items, or products other than the offers indicated above.
    4. All employees of RCBC Bankard Services Corp. (RBSC), Rizal Commercial Banking Corporation (RCBC), and Yuchengco Group of Companies (YGC) are not qualified to avail of the offer.
    5. Secured Card 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 with the concurrence of DTI shall be considered final.
    7. All questions and issues related to the promo can be accommodated beyond the promo period.
    8. The promo is subject to the Terms and Conditions governing the issuance and use of RCBC Credit Card.

    DTI Fair Trade Permit No. FTEB-238057 Series of 2025