0% Installment Spend Anywhere Promo

PROMO MECHANICS

A Promo Eligibility & Coverage

1. Eligibility: Open to active Principal RCBC Credit Cardholders in good credit standing with updated mobile numbers and email addresses on file with RCBC Credit Cards.
2. Promo Period: November 1, 2026 to January 31, 2027
3. Registration Period: November 1, 2026 to January 31, 2027
4. Spend Period: Qualified spend is calculated per monthly cycle and resets to zero at 12:00 AM on the 1st day of every calendar month:
• Month 1: November 1–30, 2026
• Month 2: December 1–31, 2026
• Month 3: January 1–31, 2027

B. How to Register & Track Your Spend

1. Online Registration: To qualify, the Principal Cardholder must register online (click here to register) using their assigned Unique Registration Code and PIN Code received via SMS or email.
2. Spend Tracker Meter: Upon successful registration, cardholders can log in to the microsite to monitor their qualified spend via a spend progress meter.
3. Tracker Update Frequency: Accumulated spend is updated based on the following schedules to reflect posted qualifying transactions:

4. By registering, the Cardholder:
• Consents to receiving SMS/email communications and processing of personal information for the promo.
• Accepts responsibility for maintaining the security of their unique registration code (codes are non-transferable and will not be re-issued or modified by RCBC Credit Cards).
• Agrees to the privacy and security terms of RCBC’s third-party service provider, 1ISA, Inc.
• Acknowledges and agrees to be bound by these Promo Mechanics.

C. Spend Rules & How to Qualify

1. Minimum Transaction Requirement: Only single 0% Installment or Buy Now Pay Later (BNPL) transactions of ₱3,000 or higher qualify for spend accumulation. Single transactions below ₱3,000 will not count toward the cardholder's total.
2. Monthly Spend Reset & Calculation: Qualified spend is calculated independently per monthly cycle and resets to zero at 12:00 AM on the 1st day of every calendar month:
• Month 1: November 1–30, 2026
• Month 2: December 1–31, 2026
• Month 3: January 1–31, 2027

D. Qualified Spend & Cash Rebate Structure

Cardholders earn cash rebates by reaching monthly accumulated 0% Installment and Buy Now Pay Later (BNPL) spend thresholds:

E. Schedule of Crediting

Earned rebates will be credited to the Principal Cardholder’s active account according to the schedule below:

F. Monthly Accumulation & Cap Illustration

Note: Accumulation resets to ₱0 at the beginning of each calendar month.

G. Non-Qualifying Transactions

Supplementary cardholders spend accrue under the Principal cardholder. The following transactions are excluded from spend accumulation:

1. Transactions posted prior to registration or outside the defined spend periods.
2. Straight charge transactions and overseas/international purchases.
3. Cancelled, refunded, invalid, or disputed transactions.
4. Unli Installment (including Unli Zero), Balance Conversion, Purchase Conversion, Cash Advance, Balance Transfer, Cash Loans, and UNLIPAY transactions.
5. Monthly amortizations arising from prior installment arrangements.
6. Auto-charge, recurring bills, and utility bill payments (e.g., Meralco, Globe, Smart, Dito, Fast BillsPay).
7. Transactions in Casino/Gambling, Money Transfers, Quasi-Cash, Member Financial Institutions, Political Organizations, Bail/Bonds, Wholesale & Distribution, or Multi-Level Marketing/Networking (e.g., Fern, Amway, UNO, Herbalife, USANA, Suy Sing, Dyna Drug, Young Living).
8. Remittance, Payment Aggregators, Mobile Wallets/Top-ups (e.g., GCash, PayMaya, GrabPay, PayPal, Lazada Top-Up, Coins.ph, PayMongo).
9. Merchant Category Codes (MCC): 4829, 6050, 6051, 6211, 6532, 6533, 6536, 6537, 6538, 6540, 6760, 8651, 9211, 9222, 9223, 9411, and 7995.
10. Social media advertising, cloud services, software providers, or business-purpose expenses.

Merchant classification is based on acquiring bank system codes, subject to final evaluation by RCBC Credit Cards.

H. General Terms & Conditions

1. Account Status: The RCBC Credit Card must remain active and in good credit standing at the time of rebate crediting; otherwise, uncredited rebates will be forfeited.
2. Posting: Earned rebates appear as credit adjustments on the Statement of Account (SOA) and cannot be exchanged for cash, reward points, or other products.
3. Adjustments: RCBC reserves the right to reverse or adjust credited rebates in cases of cancelled/disputed spend, double redemptions across concurrent promos, or erroneous postings.
4. Exclusivity: This offer cannot be combined with other ongoing RCBC Credit Card promotional offers giving discounts, rebates, or bonus points on the same transactions.
5. Disputes: Transaction or eligibility disputes must be filed within thirty (30) days from rebate posting. In case of disputes, RCBC Credit Cards' decision, with the concurrence of DTI, shall be final.

I. Easyterms 0% Interest & Buy Now Pay Later (BNPL) Terms

1. 0% Interest Installment applies provided the monthly installment balance is paid in full on or before the due date.
2. Approval of installment transactions remains subject to RCBC Credit Cards’ credit evaluation.
3. Participating merchant partners maintain sole discretion over tenor options, eligible items, minimum spend thresholds, and BNPL availability.
4. Pre-termination of an installment plan prior to maturity incurs a pre-termination fee of ₱500 or 5% of the unpaid principal amount, whichever is higher. Any awarded promo rebates tied to pre-terminated transactions will be charged back to the cardholder's account.

DTI Fair Trade Permit No. FTEB-271295 Series of 2026