Member-Get-Member Program


  1. RCBC Bankard Member-Get-Member (MGM) Program Offer is open to selected RCBC Bankard cardholders (i) who are recipients of a promo mailer, (ii) whose accounts are active, and (iii) who are in good credit standing. RCBC Bankard employees and Corporate Cardholders are not qualified to participate in the MGM Program Offer.
  2. Offer period is from January 11 to December 31, 2021.
  3. Qualified cardholders shall receive an SMS and/or eDM about the Program Offer containing their assigned unique referral link. Only one SMS/eDM and referral link will be sent per cardholder. If cardholder has multiple cards qualified, the referrer code will be linked to the highest card type.
  4. Referrals should be new to RCBC Bankard. Referrals should not have an existing RCBC Bankard credit card. Previous cardholders with closed/inactive accounts are likewise disqualified.
  5. Referrals should only apply through the unique referral link to be qualified for the program. Otherwise, the application won't be counted as the cardholder/member referral.
  6. Only successful online applications will be deemed qualified for the offer. Unsuccessful applications (falloffs) will be disqualified without notice to participants.
  7. Using the referrer's unique referral link, referrals/applicants shall be directed to the online application page for the completion of application form, verification, eKYC, and submission of required documents.
  8. All applications shall proceed accordingly with existing online application process.
  9. Regular online application and card delivery process shall apply.
  10. Referrers shall be entitled to the following incentives for every approved referral. 
Classic & Co-Brand Cards:
Classic Mastercard, Classic JCB, Flex Visa, Landmark Anson's, MANGO, Wilcon, Sta. Lucia Mall, LJC, Phoenix, and AirAsia
Gold Cards:
Gold Mastercard, Gold JCB, Flex Gold Visa
Premium Cards:
World Mastercard, Visa Infinite, Visa Platinum, Black Card Platinum, Diamond Card Platinum, JCB Platinum, UnionPay Diamond

  1. There is NO limit on the incentive that a qualified referrer can earn.
  2. Incentives will be credited on a monthly basis. Incentives from approved referrals from the current month will be credited to referrers on the 2nd week of the following month.
  3. Incentives cannot be transferred or exchanged for cash.
  4. Referrers will receive an SMS notification once the incentives have been credited to their RCBC Bankard account.
  5. Approved referrals shall be entitled to all existing marketing or brand promo offers as may be applicable.
  6. In case of multiple applications by a single referral submitted through different referrers, the referrer of the application which was completely submitted and encoded first by RBSC shall be eligible for the incentive.
  7. Fraud, abuse or any unauthorized action relating to the credit card application, the participation in the MGM program, or the redemption of the MGM incentive may result in the disqualification of the CH/Referrer from the Program. This shall be without prejudice to any legal action that may be taken by RBSC.
  8. All information provided by referrals will be used by RCBC Bankard for the purpose of conducting this program. RCBC Bankard may disclose applicants’ personal information to contractors and/or agents to assist in conducting this program. RCBC Bankard further reserves its right to use any collected personal data of Participants in accordance with its Privacy Policy for any purpose related to this program.
  9. All questions or disputes regarding the Cardholder’s eligibility for the program shall be resolved by RCBC Bankard.
  10. By participating in this program, all participants will be deemed to have read, understood and expressly agreed to be bound by the Terms & Conditions of this program as stated and any additional terms and conditions stipulated by the RCBC Bankard (as may be applicable) including the decisions of RCBC Bankard in all matters related thereto. The SMS/eDM will contain the link to the Terms & Conditions for the program.
  11. Participation in this program is deemed as acceptance of the conditions of entry. Acceptance of these Terms and Conditions is a condition of entry.

Per DTI Fair Trade Permit No. FTEB-111520 Series of 2021