Spend with your RCBC JCB Credit Card to win a luxury Japan trip or shopping credits!
Sep 25, 2026 – Mar 25, 2027
Eligible cards
Promo period: September 25, 2026 – March 25, 2027
1
Register online within the promo period to qualify.
2
Apply and make your first single-receipt spend of ₱1,000 to earn 20 raffle entries.
3
Earn 1 raffle entry for every single-receipt spend of ₱1,000 & up.
Spend with your RCBC JCB Credit Card to win a luxury Japan trip or shopping credits!
Shopping Credits Prize
thirty (30) Winners
₱10,000
Worth of shopping credits credited directly to your account.
Grand Prize Luxury Japan Travel
Worth ₱1,000,000
Package Inclusions:
₱800,000 Luxury Japan tour package for Two (2)
₱200,000 Shopping Credits for your trip spend
The Promotion is open to all RCBC JCB Credit Cardholders whose accounts are active, current, and in good credit standing* during the Promotion Period and at the time of the Raffle Draw.
*Cardholders in good credit standing are those with RCBC JCB Credit Cards whose accounts are not delinquent, not under investigation due to fraud, and those who have not violated any of RCBC Credit Cards’ Terms and Conditions governing the Issuance and Use of RCBC JCB Credit Cards.
Promotion Period is from September 25, 2026 to March 25, 2027.
To participate, the RCBC JCB Credit Cardholder must register online from 12:00 am of September 25, 2026, until 11:59pm of March 25, 2027.
Cardholders will automatically earn the corresponding number of raffle entry/ies based on the following conditions:
| Condition | No. of E-Raffle Entries |
|---|---|
| Apply and use your newly issued RCBC JCB Credit Card for the 1st time with a minimum single-receipt transaction of at least ₱1,000 (“Spend Requirement”) during the Promotion Period. | Twenty (20) e-raffle entries |
| Use your existing RCBC JCB Credit Card for a minimum single-receipt transaction of at least ₱1,000 (“Spend Requirement”) | One (1) e-raffle entry |
*Qualified spend: Posted straight/retail (face to face or online) purchases, merchant installment transactions (principal amount)
The following transactions are not qualified to earn e-raffle entry:
Refunded, disputed, unauthorized or fraudulent transactions. In case of reversals, only the remaining amount will be qualified to earn a raffle entry.
Installment transactions via balance transfer, balance conversion, convert to installment, purchase/retail conversion, and similar on-us installment program/s of the RCBC Credit Cards.
Finance charges and all other credit card fees and charges.
Transactions from betting/casino/gambling, money transfers, quasi cash financial institutions or cash-in to load e-wallet/prepaid cards, political organizations, transactions from trade and remittances and bail & bond payments.
Local and International Cash Advance transaction/s via ATM or over-the-counter.
Any type of Bills Payment (under auto-charge, utility/recurring bills, loan payments etc.)
E-raffle entries earned by Supplementary Cardholders will be credited to the Principal Cardholder.
Transaction/s made before the registration but within the Promotion Period will be qualified to earn e-raffle entry/ies.
Prior to the Raffle Draw, an SMS and/or e-mail notification on earned raffle entries will be sent by RCBC to qualified RCBC JCB Cardholders who have an updated mobile number and/or registered e-mail address on his/her RCBC JCB Credit Card account.
All employees of JCB International Asia Pacific Pte. Ltd. (“JCB”), its issuing partners, RCBC Bankard Services Corporation, Rizal Commercial Banking Corporation; and other promo partners namely AnyMind Philippines, Innovasia Media Enterprises, JTB Asia Pacific Phil. Corp, Hakuhodo International Philippines; Golden Pencil Manila Events and Production Inc, including their relatives up to the second degree of consanguinity or affinity are disqualified from joining the Promotion.
JCB and RCBC Credit Cards hold the right to certify eligibility of its winner/s and his/her account satisfies the criteria set in the promo mechanics.
| Raffle Draw Date | Spend Period | Prizes | No. of Winners |
|---|---|---|---|
| First Draw January 14, 2027 | Sep. 25, 2026 – Dec. 31, 2026 | ₱10,000 Shopping Credits | Thirty (30) JCB cardholders |
| Grand Draw April 8, 2027 | Sep. 25, 2026 – March 25, 2027 | Luxury Trip to Japan for Two (2) worth ₱1,000,000 consisting of: • Luxury Trip to Japan tour package for Two (2) with a total value of ₱800,000 • Shopping Credits worth ₱200,000, to be credited to the winner’s JCB Credit Card one (1) week before the scheduled flight to Japan. Choice of: Kyoto-Osaka, Takayama-Nagoya, or Nagoya-Osaka | • One (1) RCBC JCB Credit Cardholder • One (1) Philippine-issued JCB cardholder, to be drawn at random from the combined pool of eligible entries from the issuing banks. |
Grand Draw winners can choose any one (1) of the following 5D4N luxury tour packages:[cite: 3]
Option 1
Flights: Roundtrip Business Class ticket via Philippine Airlines (PAL), Japan Airlines (JAL), or All Nippon Airways (ANA) inclusive of 2 pieces 32kg baggage allowance
Summarised from RCBC Credit Cards's public promo page. Banks can change or end promos at any time, so check the official page before you pay.
Other banks
The same kind of deal, from other banks.
By joining this Promotion, the Cardholder confirms that he/she has read, understood, and agreed to the Promo mechanics. The Cardholder likewise agrees to the disclosure of his/her name and relevant details to the DTI for promo validation and monitoring purposes and authorizes the Bank to announce and publish his/her name should he/she be declared a winner, subject to applicable data privacy laws and regulations.
The terms and conditions indicated in RCBC Credit Cards’ Terms and Conditions Governing the Issuance and Use of RCBC Credit Cards shall apply.
All questions or disputes regarding the Cardholder's eligibility for the Promotion shall be resolved by JCB and RCBC Credit Cards. In case of disputes relating to the Promotion, the decision of JCB and RCBC Credit Cards shall be conclusive with approval of DTI.
Accommodation: 5 Days / 4 Nights with daily breakfast at Nazuna Kyoto Nijo-jo & Swissotel Nankai Osaka
Transfers: Round-trip Private Airport Transfers
Tours & Activities: Kyoto Cultural Day Tour (Fushimi Inari Taisha, Ninenzaka, Sannenzaka, & Gion District) with English-speaking guide
Special Activity Choice:
Perks: Kobe Sanda Premium Outlet visit, 1-time Michelin-starred dining, Meals, Tickets & Experience Plans as per itinerary, Travel Insurance (₱2,500,000 coverage), Shared Pocket Wi-Fi (3GB daily), & Japan Tourist Visa Services
Option 2
Option 3
Winners will be notified by RCBC Credit Cards via registered mail, SMS/Viber, and email within fifteen (15) banking days from the Raffle Draw date.
Winners will be announced and posted on JCB’s social network channels, and its RCBC Credit Cards’ official website, social media pages, or electronic direct mail, whichever is applicable.
Winners will be given sixty (60) calendar days from the receipt of the registered notice to claim the prize. After the claiming period, unclaimed prize/s will be forfeited in favor of JCB with prior approval of DTI.
To claim the prize, the winner must provide to its RCBC Credit Cards’ email indicated in the winner’s notification the following:
Tax Identification Number (TIN)
Scanned copy of a photo bearing valid government-issued ID
Signed Winner Acknowledgement Form
The winners’ JCB account in his/her RCBC Credit Card should be active and in good credit standing*, and awarded transaction is not reversed or disputed at the time of claiming or crediting of the prize.
Detailed prizes and redemption conditions are as follows:
Winner must provide their Signed Winner Acknowledgement Form, and a valid government-issued ID to be sent to RCBC Credit Cards via email.
The winners of the Japan travel package must have a confirmed booking with JTB Philippines by October 31, 2027.
Travel must be completed by April 30, 2028. Blackout dates apply for the Philippines based on regular, special non-working and additional special non-working holidays and Japan holidays.
The Japan travel package prize winner shall shoulder other expenses not included in the travel package, such as but not limited to pocket money, terminal fees, other travel taxes, other meal expenses, expenses for securing certificates, clearances, supporting documents, and other requirements for visa application purposes, and other ancillary costs and other ancillary costs.
JTB Philippines will only finalize the tour package arrangements after the visa has been approved and issued by the Japan Embassy. The visa application must be applied at least ninety (90) days before the preferred travel period.
The Japan Embassy has the sole right and absolute discretion for the approval and denial of the visa application. In the event that the visa application is denied, the winner may re-apply for a visa or transfer the Prize to a qualified transferee, subject to the approval of RCBC Credit Cards and/or JCB and compliance with the applicable Promo requirements. Any re-application for a visa and all related expenses shall be for the account of the winner or transferee. In all cases, the Prize must be claimed and the travel completed on or before April 30, 2028, otherwise the Prize shall be forfeited in favor of JCB, with prior DTI approval, if required.
The winner authorizes JCB and RCBC Credit Cards to disclose and publish his/her name, photos, and other particulars determined by JCB to any person/s and in any mode or manner, as JCB may deem appropriate.
The winners may be required to participate in publicity programs which JCB may organize from time to time in connection with the Promotion and if so, such winners must attend the said functions. Expenses and/or costs in attending such functions will be shouldered by the winner.
Per DTI Fair Trade Permit No. FTEB-268025 Series of 2026
