RCBC Credit Cardholders have an opportunity to earn cashback rewards through qualified domestic transactions. The promo focuses on straight spends made in stores or online, with rewards scaled based on spending levels.
Promo Highlights
To participate, eligible cardholders need to register online and meet spending requirements during the period. Key details include:
- Registration period: April 27 to June 30, 2026. Create an account at https://spendanywhere-straight.rcbcpromos.com/ using the unique registration code and PIN code sent via SMS or email.
- Cardholders with multiple RCBC cards receive one unique code and register once to enroll all qualified cards.
- Spending period: April 27 to June 30, 2026. Achieve minimum accumulated spends on domestic, straight, in-store or online transactions to earn rewards.
- Transactions before registration do not qualify.
- Rewards credited by July 30, 2026, as cashback for Mastercard, cash rebate for Visa, shopping credits for JCB, or cash credits for UnionPay.
Eligibility Requirements
The promo is available to principal RCBC Credit Cardholders who:
- Receive communication from RCBC Bankard Services Corp.
- Have active accounts in good standing during the promo period and at registration.
- Provide updated mobile number and email for the unique registration code.
By registering, cardholders consent to receiving messages, ensure code security (codes are non-transferable), and agree to data processing by the third-party provider, 1ISA, Inc. They also confirm understanding of the mechanics.
How to Participate
Follow these steps to join:
- Check for the unique registration code sent via SMS or email.
- Visit https://spendanywhere-straight.rcbcpromos.com/ and create an account using the code and PIN from April 27 to June 30, 2026.
- Make qualified domestic straight spends with the enrolled card(s) during the same period.
- Track progress on the promo website by logging in with your credentials.
Spend updates occur on scheduled dates:
| Registration Cut-Off Date | Spend Period | Update Date |
|---|---|---|
| May 10, 2026 | April 27 to May 10, 2026 | May 18, 2026 |
| May 24, 2026 | May 11 to 24, 2026 | June 1, 2026 |
| June 7, 2026 | May 25 to June 7, 2026 | June 15, 2026 |
| June 21, 2026 | June 8 to 21, 2026 | June 29, 2026 |
| June 30, 2026 | June 22 to 30, 2026 | July 6, 2026 |
Supplementary card transactions count toward the primary cardholder’s total.
Qualified Spend and Rewards
Earn rewards based on accumulated domestic straight spends (in-store or online). The tiers are:
| Spend Amount | Reward |
|---|---|
| ₱40,000 to <₱60,000 | ₱500 |
| ₱60,000 to <₱90,000 | ₱1,000 |
| ₱90,000 to <₱120,000 | ₱1,500 |
| ₱120,000 to <₱250,000 | ₱3,000 |
| ₱250,000 and up | ₱5,000 |
For example:
- A single card with ₱250,000 total spend earns ₱5,000.
- Multiple cards: Up to ₱5,000 per card. One card at ₱250,000 gets ₱5,000; another at ₱40,000 gets ₱500.
Non-Qualified Transactions
Certain transactions do not count toward rewards:
- Pre-registration spends.
- Overseas or international transactions.
- Direct local hotel, resort, or accommodation bookings (see sample merchants).
- Online travel platform transactions (e.g., Agoda, Booking.com, Airbnb) in foreign currencies or locations.
- Cancelled or refunded transactions.
- Balance conversions, cash advances, loans, installments, or amortizations.
- Auto-charges, recurring bills, payments (e.g., utilities, telco), or RCBC Fast BillsPay.
- Casino, gambling, money transfers, quasi-cash, or specific merchants (e.g., Fern, Amway).
- Remittances, payment services, online aggregators, mobile wallets (e.g., GCash, PayMaya).
- Transactions with MCCs: 4829, 6050, 6051, 6211, 6532, 6533, 6536, 6537, 6538, 6540, 6760, 8651, 9211, 9222, 9223, 9411, 7995.
- Social media, cloud services, software, or business-purpose transactions.
RCBC relies on merchant category classifications but has final discretion on qualified transactions.
Crediting Rewards
Monitor spends yourself. Rewards post to the primary cardholder’s account by July 30, 2026, if the card remains active and in good standing.
| Card Type | Description |
|---|---|
| Mastercard | 26MF10 SA STRAIGHT Mastercard CASHBACK |
| Visa | 26MF10 SA STRAIGHT Visa CASH REBATE |
| JCB | 26MF10 SA STRAIGHT JCB SHOPPING CREDITS |
| UnionPay | 26MF10 SA STRAIGHT UnionPay CASH CREDITS |
Notification via SMS within 10 banking days; appears on the statement of account. Rewards act as credits or payments and cannot be exchanged for cash, points, or other items.
RCBC may reverse rewards for disputes, cancellations, fraud, or errors. The promo does not combine with other RCBC offers; transactions used elsewhere do not qualify here. Disputes must be raised within 30 days of posting.