Everyday Spend Cashback Promo

PROMO MECHANICS

1. The RCBC Everyday Spend Cashback Promo (“The Promo”) is open to all RCBC Classic & Gold Credit Cardholders who have received communication materials from RCBC Bankard Services Corp. (“RCBC Credit Cards”) and whose accounts are active and in good standing during the promo period and at the time of registration.

   Eligible RCBC Classic & Gold Credit Cards are as follows:

• RCBC Classic Mastercard
• RCBC Classic Visa
• YGC Rewards Plus RCBC Visa Classic
• RCBC Flex Visa
• RCBC Classic JCB
• RCBC Gold Mastercard
• RCBC Gold Visa
• YGC Rewards Plus RCBC Visa Gold
• RCBC Flex Gold
• RCBC Gold JCB
2. Promo Period (Registration & Spend Period): September 18 to November 15, 2026
3. Registration:
1. To qualify for the promo, the Principal RCBC Credit Cardholder (“The Cardholder”) who received communication materials must register online (“Promo Registration Portal”) by providing the following information:
• Unique Registration Code & PIN Code – The Principal Cardholder must have an updated mobile number and email address with RCBC Credit Cards to ensure receipt of the registration/login credentials.
• Cardholders with multiple RCBC Credit Cards will receive just one Unique Code. A single registration will cover all their eligible cards.
2. By registering for the promo, the cardholder agrees to:
• receive promo-related SMS or emails and consent to the processing of their personal information.
• keep the Unique Registration Code secure. RCBC Credit Cards cannot resend, retrieve, or modify codes, and they are strictly non-transferable.
• share necessary personal information with RCBC's third-party provider (1ISA, Inc.), subject to the provider's data privacy and security terms.
• read, understand, and abide by the full Promo Mechanics.
4. Qualified Spend:
1. Eligible transactions include domestic straight purchases (both in-store and online) on the following categories:
• Grocery/Supermarket
• Food & Dining
• General Merchandise
• Drug Stores
• Gas Stations/Fuel/Supplies
• Airlines/Air Carriers
• Fast BillsPay or recurring bills transactions 
2. The qualified cardholder who meets the required spend “Qualified Spend” as listed above shall be entitled to receive a Cashback “Freebie” based on the table below:

3. Transactions made by the Supplementary cardholder are qualified as part of the Primary cardholder’s spend.
4. Transactions using a Virtual Card will be combined with the transactions of the main Card.
5. The following transactions will not qualify for the promo to earn a freebie:
• Transactions made prior to the registration date
• Overseas Transactions
• Balance Conversion, Purchase Conversion (UNLI 0% & UNLI INSTALLMENT), Cash Advance, Balance Transfer, Cash Loan, Your Cash!, UNLIPAY, & monthly amortizations from installment transactions or installment plan availment
• Any transaction used to redeem a freebie from other ongoing RCBC Credit Card promos.

This promotion cannot be availed with other ongoing RCBC Credit Card promos, including credit activation promos, domestic spend anywhere campaigns, or special sale events. Transactions that have already earned discounts, cash rebates, or bonus points under another RCBC promo are ineligible for this offer.

RCBC Bankard Services Corporation reserves the sole discretion to determine transaction eligibility based on the promotion's mechanics. Once a transaction qualifies for this promo, it cannot be reused for any other ongoing RCBC Credit Card promo, even if it meets the criteria of that promo. 

• Subsequently cancelled or refunded transactions, and fraudulent transactions
• Transactions from Casino/Gambling, Money Transfers, Quasi Cash, Member Financial Institutions, Political Organizations, Bail, Bond Payment, Wholesale & Distribution, Multi-level Marketing/Networking, MOTO (e.g., Fern, Amway, UNO, Herbalife, UHS/USANA, Suy Sing, Dyna Drug, Young Living, and the like.)
• Remittance, Payment Services, Online Aggregators, POI Funding Transactions, and mobile payment/mobile wallet (e.g., GCash, Lazada Top-Up, PayMaya, Grab/GrabPay, PayPal, PayMongo, Coins.ph, and the like)
• Transactions with the following bearing the following merchant category codes “MCC”: 4829, 6050, 6051, 6211, 6532, 6533, 6536, 6537, 6538, 6540, 6760, 8651, 9211, 9222, 9223, 9411,7995
• Payments made to social media platforms, cloud service, and software providers; transactions for business purposes

RCBC Credit Card is dependent on the merchant category classifications assigned by acquiring banks of each merchant establishment to be able to identify qualified transactions, but RCBC Bankard Services Corp. has the sole discretion to determine whether a transaction is classified for this promo.

5. Tracking of Spend & Freebie
1. The accumulated qualified spend and the corresponding freebie of registered of the cardholders can be tracked and will be uploaded to the promo website based on the schedule below:

2. Spend tracker can be accessed by logging in to the promo website using the same credentials (Unique Registration Code and the PIN Code) during the promo registration. 

6. Crediting of Freebie:
1. It is the responsibility of the Cardholder to monitor his/her qualified spend.
2. Transactions of the Principal and Supplementary Cardholders are computed collectively and will be credited to the Primary cardholder’s account based on the schedule below:

3. Cardholders who earned freebies will be notified via SMS within ten (10) banking days from crediting of cashback, & will be shown on the Cardholders’ Statement of Account (SOA).
4. Earned freebie is treated as a credit or payment for purchases or any outstanding balance on the qualified RCBC Credit Card, which will be posted on cardholders’ Statement of Account (SOA).
5. Cardholder’s RCBC Credit Card must be active and of good credit standing/without any past due obligation from the start of the promo until the time of crediting the freebie, otherwise, the freebie shall be forfeited.
6. RCBC reserves the right to reverse or adjust the freebie posted if the qualifying transactions were disputed or cancelled on a later date, or if the transaction is found to be invalid or fraudulent, or if a reversal of entry is made on any of the qualified transactions, or if there is erroneous posting of the freebie, or if the transaction was used to register or redeem from another ongoing promo.
7. The freebie cannot be exchanged for cash, rewards points, or products other than the offer indicated above.
7. The promo cannot be availed in conjunction with other ongoing promotional offers of RCBC Credit Card. 
8. In case of dispute but not limited to the Cardholder’s eligibility, coverage of dates and fulfillment, RCBC Credit Cards’ decision shall prevail with concurrence of DTI. All questions or disputes must be raised by the Cardholder within thirty (30) days from posting of the freebie.
9. The promo is subject to the Terms and Conditions governing the issuance and use of RCBC Credit Cards.

Per DTI Fair Trade Permit No. FTEB-267430 Series of 2026