RCBC cardholders can earn significant rewards through a series of cashback and rebate offers covering local purchases, installment plans, and international spending. Depending on your card type, you can access different reward tiers for your everyday and travel spends.
Domestic and Installment Offers
There are two primary ways to earn rewards on your local transactions in the Philippines:
- Domestic Straight Purchases: Earn up to ₱8,000 cashback on in-store and online domestic straight purchases. This promo runs from October 15 to December 15, 2026. Learn more here.
- 0% Installment and BNPL: Get up to ₱8,000 cash rebate on 0% Installment or Buy Now, Pay Later (BNPL) transactions, both in-store and online. This period runs from November 1, 2026 to January 31, 2027. Learn more here.
Overseas Spending Rewards
If you are traveling or shopping online in foreign currencies, you can qualify for overseas rewards. The specific benefits depend on your card network:
| Card Type | Maximum Reward | Promo Period |
|---|---|---|
| JCB | Up to ₱12,000 Shopping Credits (Up to ₱7,000 on Japan and up to ₱5,000 on Global spend) | Oct. 22, 2026 to Jan. 22, 2027 |
| VISA | Up to ₱8,000 Cash Rebate | Oct. 22, 2026 to Jan. 22, 2027 |
| MASTERCARD | Up to ₱8,000 Cashback | Oct. 23, 2026 to Jan. 23, 2027 |
For more details on overseas deals, check the specific links for JCB, VISA, and Mastercard.
Important Reminders
To qualify for these rewards, online registration per promo is required. The form of your reward will vary based on your card type: Mastercard users receive cashback, Visa users receive cash rebate, JCB users receive shopping credits, and UnionPay users receive cash credits.
Total potential rewards vary by card: up to ₱24,000 for RCBC Visa and Mastercard, up to ₱28,000 for RCBC JCB, and up to ₱16,000 for RCBC UnionPay credit cards.