No Annual Fee For Life: Exclusive to Online Channels

PROMO MECHANICS

1. The promo is open to new-to-RCBC Credit Card applicants with or without an existing primary credit card/s from another bank, who applied for any of the specified RCBC Credit Cards below through RCBC’s Digital channels, from August 7 to December 31, 2026, and subsequently got approved. Eligibility will be based on the encoding date of the application in RCBC Credit's processing system. Qualified Channels:

2. Social Media Acquisition Campaigns (Meta, Tiktok, and Youtube Ads)

3. Google Advertisements (Search and Display Ads)

4. Direct to Website (applications.rcbccredit.com)

5. Recognized Affiliate Links (Kaskasan Buddies, Moneymax, Digital Banks PH, Lista, Lemoneyd, Swipebuddies)

6. Cardholders with existing/upgraded/converted RCBC Credit Cards are not qualified to avail of this promo. In addition, applicants with cancelled RCBC Credit Cards within the past 24 months will also not qualify.

7. To avail of the No Annual Fee offer, cardholder must make a single receipt or accumulated spend – with amounts as detailed in the table below - within 60 days from receipt of card. Transactions made by the Supplementary cardholder will be qualified as part of the Primary cardholder’s spend. However, approved supplementary credit card applications will not be included in the NAFFL tagging. List of qualified cards and corresponding required spend **

   (Click on the link to apply online.)

   **

4. 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.
5. 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).
6. The offer is not valid in conjunction with ongoing promotions for new RCBC Credit cardholders, such as “Welcome Gift”, unless otherwise specified.
7. All employees of RCBC Bankard Services Corp., RCBC, and YGC as well as RCBC Wealth Clients are not qualified to avail of the offer.
8. Secured Cards and other Card Types not specified in the promo mechanics are not qualified.
9. 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.
10. The offer will be forfeited if the cardholder cancels the qualifying purchase and/or if the credit card transaction or redemption is found to be fraudulent.
11. The promo is subject to the Terms and Conditions governing the issuance and use of an RCBC Credit Card.

DTI Fair Trade Permit No. FTEB-264468 Series of 2026