Get rewarded with up to ₱5,000 for your everyday spend with your RCBC Classic & Gold Credit Card!
Sep 18 – Nov 15, 2026
Eligible cards
RCBC Gold Mastercard
Mastercard
Follow these 3 simple steps.
1
An eligible RCBC Classic or Gold Credit Cardholder must register from September 18 to November 15, 2026, using the Unique Registration Code and PIN Code sent via SMS/email.
Cardholders with multiple RCBC Credit Cards will receive only one Unique Code for all their cards, requiring only a single registration to cover all qualified cards.
2
Using your qualified card, spend and reach the minimum spend requirement from September 18 to November 15, 2026.
Get up to ₱5,000 CASHBACK* per card for single-receipt or accumulated Domestic, Straight, In-store, or Online Spend on the following categories:
Grocery / Supermarket
Food & Dining
General Merchandise
Drug Stores
Gas Stations / Fuel / Supplies
Airlines / Air Carriers
Fast BillsPay or recurring bills transactions
Want to see qualified stores? Click here to view popular merchants per category.
*Awarded as Cashback for Mastercard, Cash Rebate for Visa, and Shopping Credits for JCB. Note: Transactions made prior to the registration date will not qualify to earn freebies.
3
Earn freebies based on your eligible purchases per batch:
| Accumulated Domestic, Straight Spend (In-store or Online) Per Batch | Freebie |
|---|---|
| ₱15,000 to <₱30,000 | ₱350 |
| ₱30,000 to <₱50,000 | ₱700 |
| ₱50,000 to <₱70,000 | ₱1,250 |
| ₱70,000 to <₱100,000 | ₱1,500 |
| ₱100,000 and up | ₱2,500 |
The RCBC Everyday Spend Cashback Promo (“The Promo”) is open to all RCBC Classic & Gold Credit Cardholders who have received communication materials from RCBC Bankard Services Corp. (“RCBC Credit Cards”) and whose accounts are active and in good standing during the promo period and at the time of registration.
Eligible RCBC Classic & Gold Credit Cards are as follows:
Promo Period (Registration & Spend Period): September 18 to November 15, 2026
Registration:
To qualify for the promo, the Principal RCBC Credit Cardholder (“The Cardholder”) who received communication materials must register online (“Promo Registration Portal”) by providing the following information:
| Batch | Spend Period | Maximum Freebie |
|---|---|---|
| Batch 1 | September 18 to October 15, 2026 | ₱2,500 |
| Batch 2 | October 16 to November 15, 2026 | ₱2,500 |
| Accumulated Domestic, Straight Spend (In-store or Online) Per Batch | Freebie |
|---|---|
| ₱15,000 to <₱30,000 | ₱350 |
| ₱30,000 to <₱50,000 | ₱700 |
| ₱50,000 to <₱70,000 | ₱1,250 |
| ₱70,000 to <₱100,000 | ₱1,500 |
| ₱100,000 and up | ₱2,500 |
Sample Cashback Computation
Single registration covers all transactions for your card account.
| Registration Date | Transaction Date | Amount | Qualified? | Freebie Earned |
|---|---|---|---|---|
| September 18, 2026 | September 20, 2026 | ₱100,000 | Yes | ₱2,500 |
| November 5, 2026 | ₱100,000 | Yes | ₱2,500 | |
| Total Qualified Accumulated Spend | ₱200,000 | |||
Note: Cardholder can earn up to ₱5,000 Cashback for each card.
| Card | Registration Date | Transaction Date | Amount | Qualified? | Freebie Earned |
|---|---|---|---|---|---|
| Card 1 VISA | September 18, 2026 | October 15, 2026 | ₱100,000 | Yes | ₱2,500 |
| November 15, 2026 | ₱110,000 | Yes | ₱2,500 | ||
| Card | Registration Date | Transaction Date | Amount | Qualified? | Freebie Earned |
|---|---|---|---|---|---|
| Card 2 JCB | September 18, 2026 | October 25, 2026 | ₱15,000 | Yes | ₱350 |
| Total Qualified Accumulated Spend | ₱15,000 | ||||
| Total Freebie Earned | ₱350 | ||||
This promotion cannot be availed with other ongoing RCBC Credit Card promos, including credit activation promos, domestic spend anywhere campaigns, or special sale events. Transactions that have already earned discounts, cash rebates, or bonus points under another RCBC promo are ineligible for this offer.
RCBC Bankard Services Corporation reserves the sole discretion to determine transaction eligibility based on the promotion's mechanics. Once a transaction qualifies for this promo, it cannot be reused for any other ongoing RCBC Credit Card promo, even if it meets the criteria of that promo.
| Registration Cut-Off Date | Spend Period | Update of Spend Tracker |
|---|---|---|
| September 27, 2026 | September 18 to 27, 2026 | October 5, 2026 |
| October 11, 2026 | September 28 to October 11, 2026 | October 19, 2026 |
| October 25, 2026 | October 12 to 25, 2026 | November 3, 2026 |
| November 8, 2026 | October 26 to November 8, 2026 | November 16, 2026 |
| November 15, 2026 |
Spend tracker can be accessed by logging in to the promo website using the same credentials (Unique Registration Code and the PIN Code) during the promo registration.
Crediting of Freebie:
It is the responsibility of the Cardholder to monitor his/her qualified spend.
Transactions of the Principal and Supplementary Cardholders are computed collectively and will be credited to the Primary cardholder’s account based on the schedule below:
| Batch/Spend Period | Crediting of Freebie |
|---|---|
| Batch 1: September 18 to October 15, 2026 | November 16, 2026 |
| Batch 2: October 16 to November 15, 2026 | December 16, 2026 |
| Card Type | Description |
|---|---|
| Mastercard | 26MF29 CG STRAIGHT Mastercard CASHBACK |
| Visa | 26MF30 CG STRAIGHT Visa CASH REBATE |
| JCB | 26MF31 CG STRAIGHT JCB SHOPPING CREDITS |
Cardholders who earned freebies will be notified via SMS within ten (10) banking days from crediting of cashback, & will be shown on the Cardholders’ Statement of Account (SOA).
Earned freebie is treated as a credit or payment for purchases or any outstanding balance on the qualified RCBC Credit Card, which will be posted on cardholders’ Statement of Account (SOA).
Cardholder’s RCBC Credit Card must be active and of good credit standing/without any past due obligation from the start of the promo until the time of crediting the freebie, otherwise, the freebie shall be forfeited.
RCBC reserves the right to reverse or adjust the freebie posted if the qualifying transactions were disputed or cancelled on a later date, or if the transaction is found to be invalid or fraudulent, or if a reversal of entry is made on any of the qualified transactions, or if there is erroneous posting of the freebie, or if the transaction was used to register or redeem from another ongoing promo.
The freebie cannot be exchanged for cash, rewards points, or products other than the offer indicated above.
The promo cannot be availed in conjunction with other ongoing promotional offers of RCBC Credit Card.
In case of dispute but not limited to the Cardholder’s eligibility, coverage of dates and fulfillment, RCBC Credit Cards’ decision shall prevail with concurrence of DTI. All questions or disputes must be raised by the Cardholder within thirty (30) days from posting of the freebie.
The promo is subject to the Terms and Conditions governing the issuance and use of RCBC Credit Cards.
Per DTI Fair Trade Permit No. FTEB-267430 Series of 2026
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.
Qualified Spend:
Eligible transactions include domestic straight purchases (both in-store and online) on the following categories:
| ₱5,000 |
| ₱210,000 |
| Total Freebie Earned | ₱5,000 | ||||
RCBC Credit Card is dependent on the merchant category classifications assigned by acquiring banks of each merchant establishment to be able to identify qualified transactions, but RCBC Bankard Services Corp. has the sole discretion to determine whether a transaction is classified for this promo.
Tracking of Spend & Freebie
The accumulated qualified spend and the corresponding freebie of registered of the cardholders can be tracked and will be uploaded to the promo website based on the schedule below:
| November 9 to 15, 2026 |
| November 23, 2026 |
