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RCBC Extra 5% Off at SM Store

Bank:
Merchants:
From May 15, 2026 
Until May 17, 2026

If you are planning to shop at the SM Store’s 3-Day Sale, your RCBC credit card can help you save more on your purchases. This offer provides an extra discount for cardholders who meet the minimum spend requirements during the sale period.

The Offer

Depending on your payment method, you can avail of the following discounts at participating branches:

Offer Details
5% OFF Minimum ₱5,000 straight in-store purchase. Discount is capped at ₱500.
5% OFF Minimum ₱15,000 installment in-store purchase. Discount is capped at ₱2,000.

Note that the minimum purchase is calculated net of all applicable discounts, including SM Advantage, SM Prestige, and other class discounts.

Eligibility and Participating Branches

This promo is open to all active RCBC credit cardholders in good credit standing, though corporate cards are excluded. The discount is applied immediately at the point-of-sale.

Available branches include:

Participating Branches
San Jose Del Monte
San Lazaro
Baguio
Clark
Laoag
Tuguegarao
Bacoor
Batangas
Naga
Santa Rosa
Sorsogon
Delgado
Roxas
Butuan
Davao

Important Notes

To ensure your transaction qualifies, keep these conditions in mind:

  • Purchases must be made in-store. Transactions via ShopSM and SM Store Personal Shopper are not eligible.
  • The discount does not apply to gift cards, gift certificates, gift passes, membership cards, wrapping items, SM eco bags, or other services.
  • Only one qualified transaction per cardholder is eligible for the discount during the promo period.
  • Splitting transactions to get multiple discounts is not permitted. Transactions made within a 15-minute interval using one or more RCBC cards under the same cardholder are considered split transactions.
  • Supplementary card spends are counted toward the primary cardholder’s total.