₱10,000 SM Gift Pass Welcome Gift

KEY HIGHLIGHTS

1. Apply for an RCBC UnionPay Diamond Credit Card from August 1 to September 30, 2025.
2. Use your newly approved Card to meet the spending requirement and register online.
3. Enjoy your FREE ₱10,000 SM Gift Pass, which can be used at SM Store, SM Supermarket, SM Hypermarket, SM-affiliated stores like Uniqlo, Forever 21, Watsons, Miniso, Ace Hardware, and more!

PROMO MECHANICS

1. The Welcome Gift promo (“Offer”) is open to new-to-RCBC Credit Card applicants who applied within the promo period from August 1 to September 30, 2025, and subsequently got approved of an RCBC UnionPay Diamond Card.
2. Qualified RCBC UnionPay Credit cardholders must make a single-receipt or accumulated spend of ₱100,000 anywhere using his/her new Card within 60 days from receipt of card.
3. The qualified RCBC UnionPay cardholder is entitled to receive a ₱10,000 SM Gift Pass eVoucher Welcome Gift.
4. Transactions made by the Supplementary cardholder will be qualified as part of the Primary cardholder’s spend.
5. 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, Cash-ins, 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:

6. Upon meeting the required spend, the qualified cardholder must fill out the redemption form until January 31, 2026, at https://cloud.marketing.rcbcbankard.com/UPIWG to avail of the Welcome Gift and input the following:

• Unique Code (to be provided via SMS)
• Card Embossed Name
• First 8 and Last 4 digits of your Card

7. Qualified cardholder’s account must be active and current at the time of registration.
8. Qualified cardholders who have met the required spend amount and who have successfully filled out the redemption form will receive his/her eVoucher via SMS to be sent to their registered mobile number based on the schedule below:

9. The cardholder can only avail of the offer and receive a Welcome Gift once for the duration of the promo.
10. The cardholder will be charged the cost of the Welcome Gift if he/she cancels the qualifying purchase and/or if the credit card transaction or redemption is found to be fraudulent and if he/she has registered for the promo and cancels the welcome gift.
11. The cardholder agrees not to cancel his/her RCBC Credit Card within 24 months from its issue date. In addition, by redeeming the welcome gift, the cardholder agrees to pay the full amount of the Annual Membership Fee. If the cardholder requests for card cancellation or waiver of annual membership fee, the amount equivalent to the welcome gift shall be charged to the cardholder’s credit card account as cancellation fee. The cancellation fee must be paid in full before the RCBC Credit Card may be cancelled by RCBC Bankard Services Corporation (RBSC).
12. The offer cannot be exchanged for cash, rewards points, or products other than the offers indicated above.
13. The offer is not valid in conjunction with ongoing promotions or programs for new RCBC Credit cardholders, such as “No Annual Fee For Life”.
14. All employees of RCBC Bankard Services Corp., RCBC, and YGC as well as RCBC Wealth Clients are not qualified to avail of the offer.
15. Secured Card and other Card Types not specified in the promo mechanics are not qualified.
16. By joining this promo, the Cardholder confirms that he/she has read, understood and agrees to be bound by the mechanics of the promo.
17. In case of dispute with regard to the customer’s eligibility and availment of the promo, the decision of RCBC Bankard Services Corp. with the concurrence of DTI shall be considered final. However, if the dispute involves Rewards Partners and its performance and/or delivery of services and/or products to cardholders, subject to the Promo Mechanics stated above, the decision of RCBC Bankard Services Corp. & Rewards Partner with the concurrence of DTI shall be considered final.
18. All questions and issues related to the promo can be accommodated beyond the promo period but in no case beyond thirty (30) days from the issuance of last SMS confirmation.
19. The promo is subject to the Terms and Conditions governing the issuance and use of RCBC Credit Card.

REDEMPTION PROCESS

1. The Welcome Gift will be in a form of an eVoucher (electronic gift/code) to be sent to the cardholder’s registered mobile no.
2. To redeem the SM Gift Pass eVoucher, cardholders must proceed to the Bills Payment Counter at SM Store.
3. The SM Gift Pass eVoucher can only can only be redeemed until May 31, 2026.
4. The SM Gift Pass eVoucher will be exchanged for an SM Gift Pass.
5. The SM Gift Pass can be used at SM Store, SM Supermarket, SM Hypermarket, SM-affiliated stores like Uniqlo, Forever 21, Watsons, Miniso, Ace Hardware, and more
6. The cardholder shall cover the cost of any purchase exceeding the ₱10,000 The SM Gift Pass eVoucher.

DTI Fair Trade Permit No. FTEB-232562, Series of 2025