5% rebate on straight-charge purchases at any local or international clothing and apparel retail shops
Earn flexible, non-expiring Rewards points which you can exchange for AIRMILES, Cash Rebates, Shopping Vouchers, Cash Credit to your RCBC Bankard, Deposit to your RCBC deposit account, or Donation to a charitable institution.
Complimentary Priority Pass™ membership
Unlimited free access to the Skyview Airport Lounge and Club Manila Lounge for the Principal cardholder plus one travel companion
Free Travel Insurance up to Php1,000,000 and Purchase Protection when you charge all your international travel-related needs to your RCBC Bankard
e-Commerce Purchase Protection of up to US$1,000 per claim per year for possible losses on online purchases which include non-delivery, wrong or incomplete delivery, or damaged purchases.
Free-for-life Supplementary Cards (maximum of 9)
The 5% rebate* is applicable to all clothing and apparel transactions at all local and international retail shops. * This applies to retail shops which are stand-alone stores and are not located inside a department store. Clothing and apparel retail shops are defined as all establishments under any of these Merchant Category Codes (MCCs): 5137, 5611, 5621, 5631, 5641, 5651, 5655, 5681 and 5691. These are merchants which fall under the descriptions Men’s, Women’s and Children’s Commercial Clothing, Men’s and Boys’ Clothing and Accessories Stores, Women’s Ready-to-Wear Stores, Women’s Accessory and Specialty Stores, Children’s and Infants’ Wear Stores, Men’s, Women’s and Family Clothing Stores and Sports Apparel, Riding Apparel Stores. Some examples include Lacoste, Banana Republic, Dockers, Gap, and others. In identifying merchants which are classified as clothing and apparel stores, RCBC Bankard shall be bound by the Merchant Category Codes assigned by the bank which provides the POS terminals.
The rebate is applicable anytime of the year on straight-charge purchases made using RCBC Bankard Visa Infinite credit card. Installment transactions for clothing and apparel will not earn rebates.
Clothing and apparel transactions for the cycle will qualify for the 5% rebate provided the total spend on non-clothing and apparel (including installment amortizations for clothing and non-clothing transactions) for the same cycle are at least equal to the total spend for clothing and apparel.
Annual membership fees, cash advances, balance transfers, balance conversion and any other form of fees or charges shall not be considered in the computation of non-clothing and apparel spend.
Rebates earned for the cycle will be reflected in the following month’s statement of account.
To qualify for the rebate, the RCBC Bankard Visa Infinite credit card account of the cardholder should be active and in good credit standing at the time of computation and posting of the rebate.
The maximum rebate amount per calendar year is P 5,000.
Rebates are not transferable to another person or to another RCBC Bankard credit card account.
The rebate may not be exchanged for cash or redeemed as points.
Where rebates have been credited to the cardholder’s RCBC Bankard Visa Infinite credit card account and/or used before the purchase is charged back, the card account will be debited for the credited rebates.
Fraud and abuse relating to earning or redemption of rebates may result in forfeiture of rebates and termination of the cardholder’s RCBC Bankard Visa Infinite credit card account.
The rebate rate and the basis of calculation of rebates are subject to change at RCBC Bankard’s sole discretion. The decision of RCBC Bankard on all matters relating to the rebates shall be final. RCBC Bankard shall not be liable to the cardholder for any damages or penalty arising from or in connection with the rebate program.
Any remaining rebates including those still to be applied to the account of the cardholder shall immediately cease to be valid upon cancellation of the RCBC Bankard Visa Infinite credit card or conversion to another RCBC Bankard credit card brand. No refund, extension or compensation shall be given to the cardholder upon cancellation.