In these Terms and Conditions, the following definition of terms applies: “Account” or

“Card” refers to your RCBC Visa Infinite credit cards “RCBC Visa Infinite”. “You” refers to
the Principal Cardholder, the person in whose name the account is maintained.
“Supplementary or Extension Cardholder” refers to the person to whom an additional card
is issued with respect to your accounts. “RCBC” is Rizal Commercial Banking Corporation,
issuer of the RCBC Visa Infinite. “RBSC” is RCBC Bankard Services Corporation, the entity
servicing the credit card business of RCBC and implementing all actions pertaining to the
RCBC Visa Infinite for and on behalf of RCBC. “Rewards Points” refer to the points
accumulated and redeemed in various modes as identified under the RCBC Visa Infinite
Rewards Program. “RCBC Visa Infinite Rewards Program” refers to the rewards program
of RCBC Visa Infinite as governed by these Terms and Conditions.

The RCBC Visa Infinite Rewards Program is open to all principal cardholders of RCBC Visa
Infinite whose accounts are active and in good credit standing.

1. Purchases using the RCBC Visa Infinite will earn rewards points as indicated in the
table below:

Overseas Transactions
(Non-service merchants / Retail / 5
Online)
Domestic Transactions Php 30.00
(*Local online purchases) 3
*excluding grocery online purchase
Service Merchants
1
(i.e. supermarket, gas, drugstore)
Utility Bills Payment Php 250.00 1

Updated as of 13 January 2023

 2. Earned rewards points may be redeemed as Shopping Vouchers, Cash Deposit to
RCBC Deposit Account, Cash Credit to RCBC Credit Card Account, Donation to a
Charitable Institution, and to Airmiles, or no-cap Cash Rebate following guidelines and
General Terms and Conditions on the use of the Rewards Points found here:
https://rcbccredit.com/features-and-benefits/rewards/rewards-points.

3. Purchases made by the Supplementary Cardholder will also earn Rewards Points. The
Rewards Points will be accumulated under the Principal Cardholder's account.
4. Rewards Points earned are not transferable to other accounts and cannot be combined
with the points earned on other RCBC Credit Cards account.
5. Redeemed Rewards Points shall be deducted from your accumulated points and may
not be credited back.
6. Rewards Points earned may be cancelled if the Terms and Conditions of the RCBC
Credit Cards Rewards Program and the issuance of the RCBC Credit Cards are found
to have been violated.
7. Requests for redemptions of Rewards points are done simply by calling RCBC Credit
Card Premium Customer Service at 8888-1883.
8. The following transactions will not earn RCBC Visa Infinite Rewards Points: Cash
Advance, Cash Loan/YourCash, Balance Transfer, Balance Conversion, UnliPay,
Unli0% and Unli Installment transactions and quasi-cash transactions.
9. For installment purchases, rewards will be awarded when the monthly amortization is
posted.
10. The Rewards Points earned for the billing cycle will be reflected in the Monthly
Statement of Account.
11. The Rewards Points earned for the cycle will be automatically forfeited if the RCBC
Visa Infinite Card is cancelled or becomes past due.
12. The Rewards Points earned in respect to any reversed, disputed or void transactions
will be deducted from the accumulated balance of the Rewards Points.
13. These terms and conditions are subject to relevant laws, rules, and regulations and
may change at any time subject to prior notice.

1. Prevailing Government Tax Laws shall apply.

a. If any or all of your redeemed Rewards Points resulted from business transactions,
it is possible that redemption of your earned Rewards Point could result in income
tax liability to your account.
b. Any handling fee and corresponding tax will be your sole liability as a cardholder.

Updated as of 13 January 2023

 2. RCBC, through RBSC, does not accept responsibility and is not liable to the cardholder in
case of death or injury or consequential loss or damage arising from the consumption or
acquisition of a product or service acquired through the RCBC Credit Card Rewards
Points.

1. RCBC, through RBSC, has the right to avail itself of the services of an agent or contractor
to carry out all or part of the RCBC Credit Card Rewards Program on its behalf. As a
Cardholder, you therefore agree to supply this agent or contractor with the information
required for these parties to perform their duties.
2. The settlement of all disputes or disagreements pertaining to the eligibility of Cardholders
to participate in the RCBC Credit Card Rewards Program as well as the validity of Rewards
Points earned for redemption, accumulation, or application to other similar programs, will
be handled solely by RCBC at its own discretion.
3. RCBC, through RBSC, will exercise all possible means to ensure that all information
disseminated regarding the RCBC Credit Cards Rewards is accurate but will not accept
liability for errors or omissions inadvertently committed in the process of dissemination.
4. RCBC Credit Card's travel insurance and its corresponding benefits will not apply to flights
taken through the RCBC Credit Cards Rewards Program issued by a participating
merchant-partner.
5. For rewards points applied as donation to advocacy programs under Paragraph 111(7) by
members of the same advocacy program (ie. Gawad Kalinga, Zonta Foundation), RBSC
may, upon request of the advocacy group, provide a summary of the donations made by its
members, for purposes of recognizing said members contribution to the advocacy.

Updated as of 13 January 2023