Up to ₱300 Rebate with RCBC JCB Credit Cards & Smart


  1. The Promotion is open to all RCBC JCB Credit Cards (Principal and Supplementary) whose accounts are active, current, and in good credit standing during the Promotion Period and at the time of crediting of the rebate.
  2. Promotion period is from January 1 to March 31, 2024.
  3. Cardholder will earn a ₱100 Rebate every month for a minimum single-receipt transaction of ₱999 during each monthly transaction period within the duration of the Promotion using his/her eligible RCBC JCB Credit Card in any of the following Smart Communications, Inc. payment channels:
    1. My Smart (my.smart.com.ph/smart)
    2. Smart App
    3. Any Smart Store branch nationwide
  4. Cardholders can earn the fixed ₱100 Rebate once every month for each monthly transaction period and a maximum of ₱100 Rebate within the Promotion duration:
Monthly Transaction PeriodFixed Monthly Rebate
January 1-31, 2024₱100
February 1-29, 2024₱100
March 1-31, 2024₱100
  1. Qualified transactions of principal and supplementary RCBC JCB Credit Cards are separately entitled to earn the fixed ₱100 rebate per monthon each monthly transaction period.
  2. The transactions in the following payment channels are not qualified to earn rebate:
    1. Credit Card auto-charge and phone/mobile banking bills payment
    2. Over-the-Counter bank branches
    3. Third-party authorized payment centers, such as, but not limited to, Bayad Center, SM centers, ECPay partners
  3. Total rebate earned shall be credited to the eligible Principal Cardholder’s accountwithin (25) twenty-five business days after the Promotion end date.
  4. Cardholder must be active and of good credit standing at the time of crediting of the rebate, otherwise, the rebate earned shall be forfeited.
  5. Earned rebate is non-transferable and non-convertible to cash, however, it is treated as a credit to the any outstanding balance on the Principal Cardholder’s account.
  6. The rebate cannot be redeemed in conjunction with other promotional offers of the credit card issuing bank. Similarly, if the transaction is cancelled/reversed, disputed, unauthorized or fraudulent transactions, the credit card issuing bank can chargeback therebate credited to the principal cardholder’s accountor directly collect the said rebate from the Cardholder.
  7. By joining this Promotion, the cardholder confirms that he/she has read, understood, and agreed to its Promotion Mechanics.
  8. The Terms and Conditions Governing the Issuance and Use of an RCBC Credit Card shall apply.
  9. In case of dispute/s regarding the Promotion including, but not limited to, the Cardholder’s eligibility, coverage period, and fulfilment, shall be resolved by JCB and RCBC Credit Cards/RCBC Bankard Services Corporation (RBSC), subject to the terms and conditions of this Promotion. JCB and RCBC Credit Cards/RBSC's decision shall be final and conclusive with the concurrence of DTI.

DTI Fair Trade Permit No. FTEB-183108 Series of 2023