No Annual Fee For Life!

'Tis the season to apply for a FREE-FOR-LIFE RCBC Credit Card! PROMO MECHANICS The No Annual Fee For Life (NAFFL) offer is open to new-to-RCBC principal credit card applicants* , whether or not they have existing primary credit card/s from another bank, who apply from October 16 to December 31, 2026, and are subsequently approved for any eligible RCBC Credit Card. Applications must be made through any of the following channels: RCBC’s Direct Sales** (e.g., Sales Booths) RCBC Branches** RCBC Corporate Sales** Co-Brand Partners' Sales Channels *Cardholders with existing RCBC Credit Cards, as well as those with upgraded/converted cards, are not eligible for this promo. Additionally, applicants with cancelled RCBC Credit Cards within the past 24 months will also not qualify. **For face-to-face application channels (with physical forms), the application date indicated by the applicant shall serve as the basis for NAFFL eligibility. The following RCBC Credit Cards are eligible for the No Annual Fee For Life offer. Qualified cardholders must meet the required spend in a single-receipt or accumulated purchases anywhere using their new RCBC Credit Card within 60 days from receipt of card : Card Type Min. Spend Requirement RCBC Flex Visa RCBC Mastercard Classic RCBC JCB Classic AirAsia Credit Card RCBC Landmark Anson's Mastercard ₱30,000 RCBC Flex Gold Visa RCBC Mastercard Gold RCBC JCB Gold ₱40,000 RCBC Black Platinum Mastercard RCBC Diamond Platinum Mastercard RCBC JCB Platinum RCBC UnionPay Diamond AirAsia Platinum ZALORA Credit Card ₱60,000 Transactions made by the Supplementary cardholder will be qualified as part of the Primary cardholder’s spend. However, approved supplementary credit card applications will not be included in the NAFFL tagging. 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. The following transactions are excluded from the promo: Unlipay, Cash Advance, Balance/Purchase Conversion, RCBC InstaCash, RCBC InstaLoan, Balance Transfer, Money Transfer and Quasi-Cash, Casino/Gambling, Political organizations, Bail, Bond Payment, Wholesale & Distribution, Multi-level Marketing (e.g. 1BRO Global, USANA, Frontrow, UNO, Suy Sing, Doterra, Herbalife, Alliance, First Vita, Young Living). Transactions with the following Merchant Category Codes (“MCC”) are also not qualified: MCC MCC DESCRIPTION 4829 Money Transfer – Merchant 6050 Quasi Cash – Customer Financial Institution 6051 Quasi Cash – Merchant 6211 Securities – Brokers/Dealers 6532 Payment Transaction – Customer Financial Institution 6533 Payment Transaction – Merchant 6536 MoneySend Intracountry 6537 MoneySend Intercountry 6538 MoneySend Funding 6540 POI Funding Transactions 6760 U.S. Savings Bonds 8651 Political Contributions/Organizations 9211 Court Costs including Alimony and Child Support 9222 Fines 9223 Bail and Bond Payments 9411 Gov. Loan Payments 7995 Casino/Gambling 9223 Bond or Bail Payment The offer is