Installment Festival: Up to ₱2,000 e-Gift for FREE (Promo code: IF001)

Here's how:

  1. Register online here to qualify.
  2. Charge the required installment purchase to your registered Card including 0% Installment, Regular Installment, Buy Now Pay Later, and Unli Installment via the RCBC Digital app, for 12 months & up term within the promo period.
  3. Keep using your Card for all your installment purchases to redeem more e-Gifts!

Promo Mechanics:

  1.  The promo is open to RCBC Bankard Principal and Supplementary cardholders whose accounts are active and current and in good credit standing.
  2. Promo is from March 18 to May 15, 2022.
  3. Cardholders are entitled to get up to ₱2,000 FREE Universal e-Gift with their Installment purchase including 0% INSTALLMENT, BUY NOW PAY LATER (POS-BASED) & ONLINE 0% INSTALLMENT, REGULAR INSTALLMENT at RCBC Bankard affiliated merchants, as well as UNLI INSTALLMENT CONVERSIONS, with a minimum of 12 months term with their RCBC Bankard.
₱15,000 to < ₱25,000
(first installment ever)
₱25,000 to < ₱50,000₱500
₱50,000 to < ₱100,000₱1,000
₱100,000 and up₱2,000
Partner merchants where you can use the FREE E-gift:
  1. Offer is valid in all RCBC Bankard, POS (0% and Buy Now Pay Later), Online 0% Installment and Regular Installment affiliated merchants. See the full list here.
    Cardholders can convert their straight transactions once posted to UNLI Installment via the RCBC Online Banking app. Need help? See the step-by-step guide here.
  2. Less than 12 months installment terms are not qualified.
  3. To qualify for the promo, the cardholder must do a one-time registration with complete correct details at
  4. The Universal eGift will be sent to the cardholder’s registered mobile number and will be credited based on the following schedule:  
Spend & Registration Cut-Off Credit Date
March 15 – March 31, 2022April 15, 2022
April 1 – 30, 2022May 13, 2022
May 1 –  15, 2022May 31, 2022
  1. In case of disputes related to the promo, the decision of RCBC Bankard shall be conclusive in concurrence with DTI. All questions or disputes regarding the Cardholder’s eligibility for the promo shall be resolved by RCBC Bankard.

Easyterms 0% interest Installment and Buy Now Pay Later  

  1. Easyterms 0% interest is applicable if the cardholder pays his/her monthly installment in full. 
  2. RCBC Bankard Easyterms 0% Installment is subject to RCBC Bankard’s approval.
  3. RCBC Bankard cardholders have the option to charge their 0% installment transaction on Buy Now Pay Later scheme wherein the first monthly amortization will be posted on the cardholder’s statement after the third cut-off date.
  4. Easyterms 0% installment merchant partners have the sole discretion over the term/s, item/s, minimum spend requirement and availability of BNPL applicable for the 0% interest offering.
  5. If the cardholder decides to pay the installment plan in full before maturity, a pre-termination fee of Php500.00 or 5% of the unpaid principal amount, whichever is higher, will be charged.  

DTI Fair Trade Permit No. FTEB-138950 Series of 2022