Welcome Gift for New RCBC Visa Credit Cardholders


  1. The Welcome Gift promo is open to all new-to-RCBC Credit card applicants who applied for an RCBC Visa Credit Card from January 20 to April 30, 2023, and subsequently got approved.
     Click the links below to apply.

Apply for an RCBC Flex Gold Visa Card here.
To know more, click here.

Apply for an RCBC Flex Visa Card here.
To know more, click here.

Apply for an airasia Credit Card here.
To know more, click here.
  1. Qualified RCBC Credit cardholders must make a single-receipt or accumulated spend anywhere using their new RCBC Visa Credit Card within 60 days from card delivery. The Welcome Gift that the cardholder can redeem will be specific to the Spend Requirement, as indicated in the table below:
RCBC Flex Visa,
YGC Rewards Plus RCBC Classic Visa 
₱12,000₱2,000 H&M eGift
RCBC Flex Visa, Flex Gold Visa,
YGC Rewards Plus RCBC Classic Visa,
YGC Rewards Plus RCBC Gold Visa,
and airasia credit card
₱18,000₱3,000 H&M eGift
  1. Transactions made by the Supplementary cardholder will be qualified as part of the Primary cardholder’s spend.
  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 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, 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.
  3. To avail, the qualified cardholder must register once online within 15 days from end of spend period at https://cloud.marketing.rcbcbankard.com/gift-visa and provide the following: Card Embossed Name, First 8 and Last 4 Digits of Card, and Preferred Welcome Gift

    *Once registration form is submitted, the selected Welcome Gift shall be considered final.

  1. Qualified cardholders who have met the required spend amount and who have successfully registered will receive his/her eGift via electronic direct mail, to be sent to the registered email address, based on the schedule below:
*(cardholder must be successfully registered within 15 days from end of
spend period)
January 20 to February 28, 2023 March 19, 2023
March 1 to 31, 2023 April 20, 2023
April 1 to 30, 2023 May 19, 2023
May 1 to 31, 2023 June 20, 2023
June 1 to 30, 2023 July 20, 2023
July 1 to 31, 2023 August 18, 2023
  1. The cardholder can only avail of the offer and receive a Welcome Gift once for the duration of the promo.
  2. 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 or invalid.
  3. 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).
  4. The offer cannot be exchanged for cash, rewards points, or products other than the offers indicated above.
  5. The offer is not valid in conjunction with ongoing promotions for new RCBC Credit Cardholders.
  6. All employees of RCBC Bankard Services Corporation, RCBC, and YGC are not qualified to avail of the offer.
  7. In case of dispute with regard to the customer’s eligibility and availment of the promo, the decision of RCBC Bankard Services Corporation with the concurrence of DTI shall be considered final. 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 Corporation with the concurrence of DTI shall be considered final.
  8. 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 last issuance of eGift.
  9. The promo is subject to the Terms and Conditions governing the issuance and use of an RCBC Credit Card.


  1. The  H&M eGift will be sent to the qualified cardholder’s registered email address.
  2. The eGift is valid until December 31, 2023.
  3. The H&M eGift can only be used for in-store purchases at H&M stores in the Philippine

Per DTI Fair Trade Permit No. FTEB-159304, Series of 2023