No Annual Fee for Life with your first RCBC Credit Card
The promo is open to new-to-RCBC Credit Card applicants with or without an existing primary credit card/s from another bank, who applied for any of the specified RCBC Credit Cards below through RCBC’s Digital channels, from August 7 to December 31, 2026, and subsequently got approved
PartnerRCBC
Eligible bank
Valid untilDec 31, 2026
LocationsSee promo terms
Last updatedOct 5, 2026
Know the offer before you swipe.
Promo Details
- The promo is open to new-to-RCBC Credit Card applicants with or without an existing primary credit card/s from another bank, who applied for any of the specified RCBC Credit Cards below through RCBC’s Digital channels, from August 7 to December 31, 2026, and subsequently got approved
- Eligibility will be based on the encoding date of the application in RCBC Credit's processing system
- Qualified Channels:
- a. Social Media Acquisition Campaigns (Meta, Tiktok, and Youtube Ads)
- b. Google Advertisements (Search and Display Ads)
- c. Direct to Website (applications.rcbccredit.com)
- d. Recognized Affiliate Links (Kaskasan Buddies, Moneymax, Digital Banks PH, Lista, Lemoneyd, Swipebuddies)
Spend Requirement
- Spend Requirement | Welcome Gift
- ₱30,000 | No Annual Fee for Life
- RCBC Classic Mastercard
- RCBC Landmark Mastercard
- RCBC Visa Flex Classic
- RCBC AirAsia Classic
- RCBC JCB Classic
- ₱40,000 | No Annual Fee for Life
- RCBC Gold Mastercard
- RCBC Visa Flex Gold
- RCBC JCB Gold
- ₱60,000 | No Annual Fee for Life
- RCBC Black Mastercard
- RCBC Diamond Mastercard
- RCBC AirAsia Platinum
- RCBC JCB Platinum
- RCBC Unionpay Diamond (until September 4, 2026)
- ₱100,000 | No Annual Fee for Life
- RCBC World Mastercard
Spend Period
- Sixty (60) days from receipt of card
Qualified Spends
- All posted retail and installment transactions in pesos and in other currencies are qualified for the promo including online transactions, mail & telephone orders, and recurring payments or bills payment transactions
- The following transactions are excluded from the promo: UnliPay, Cash Advance, Balance/Purchase Conversion, YourCash, Cash Loan, Balance Transfer, Money Transfer and Quasi-Cash, Casino/Gambling, Political organizations, Bail, Bond Payment, Wholesale & Distribution, Multi-level Marketing
Other Details
- Cardholders with existing/upgraded/converted RCBC Credit Cards are not qualified to avail of this promo
- Applicants with cancelled RCBC Credit Cards within the past 24 months will also not qualify
- Secured Cards and other Card Types not specified in the promo mechanics are not qualified
- The offer will be forfeited if the cardholder cancels the qualifying purchase and/or if the credit card transaction or redemption is found to be fraudulent