RCBC UnionPay credit cardholders can earn travel credits on overseas spending from May 8 to August 8, 2026. Register your card first here to qualify. Use it for in-store or online foreign-currency transactions outside the Philippines, and credits tier based on your total spend in specific regions.
Eligibility
Open to principal and supplementary RCBC UnionPay cardholders with active accounts in good credit standing. Supplementary card transactions combine with the principal’s for credit calculation.
Qualified Transactions
Single or accumulated foreign-currency transactions posted during the promo period. Both in-store and online count, as long as made outside the Philippines.
Exclusions
Transactions charged in PHP via DCC, quasi-cash, casino chips, money transfers, fees or charges, refunds, reversals, and installment amortizations in PHP do not qualify.
Earning Tiers for China, Hong Kong, and Macau
| Spend Requirement | Travel Credits |
|---|---|
| ₱30,000 to <₱60,000 | ₱1,000 |
| ₱60,000 to <₱90,000 | ₱2,000 |
| ₱90,000 to <₱120,000 | ₱3,000 |
| ₱120,000 to <₱150,000 | ₱4,000 |
| ₱150,000 to <₱180,000 | ₱5,000 |
| ₱180,000 to <₱200,000 | ₱6,000 |
| ₱200,000 and up | ₱7,000 |
Earning Tiers for Global Spend
| Spend Requirement | Travel Credits |
|---|---|
| ₱30,000 to <₱60,000 | ₱1,000 |
| ₱60,000 to <₱90,000 | ₱2,000 |
| ₱90,000 to <₱120,000 | ₱3,000 |
| ₱120,000 to <₱150,000 | ₱3,500 |
| ₱150,000 to <₱180,000 | ₱4,000 |
| ₱180,000 to <₱200,000 | ₱4,500 |
| ₱200,000 and up | ₱5,000 |
Maximum Credits
| Spend Category | Maximum Travel Credits |
|---|---|
| China, Hong Kong, or Macau spend | ₱7,000 |
| Global spend (all other countries) | ₱5,000 |
| Maximum Total Travel Credits per Cardholder | ₱12,000 |
You can reach the ₱12,000 total even if combined spend exceeds the individual category caps.
Crediting and Usage
Credits post within 60 days after the promo ends, by October 8, 2026. Use them to offset future purchases or billed charges, or as digital e-vouchers if offered. Expect an SMS or email notification. RCBC may charge back credits for fraudulent, canceled, or reversed transactions.
Quick Tip
At checkout, always choose the local currency (like CNY in China) to avoid DCC and ensure your spend qualifies.