How to Maximize Your RCBC Credit Card for Christmas Shopping Deals

The holidays are the perfect time to celebrate what you love most. Whether it’s finding thoughtful gifts, hosting festive meals, or planning a well-deserved New Year getaway, your RCBC Credit Card can be the trusted partner behind every joyful moment. 

Here’s a simple guide to help you make the most of seasonal promos and stretch every peso across gifts, gadgets, gatherings, and getaways.

The Best Christmas Shopping Tips from RCBC

1. Use 0% Installment on Big-Ticket Gifts

Big purchases are easier to handle with RCBC’s 0% installment offers, perfect for appliances, furniture, laptops, and phones. 

RCBC collaborates with select merchants to offer 0% installment and Buy Now Pay Later options, allowing you to start payments up to three months after your purchase. 

Terms, participating stores, and minimum spend requirements may vary, so it’s always a good idea to check before completing your purchase. 

You can also catch special installment events at electronics and lifestyle partners when you use your RCBC Credit Card for holiday shopping, often paired with exciting freebies. Be sure to check the promo details, including dates and branches, so that you can make the most of every deal.

2. Time Your Holiday Shopping Right

RCBC Credit Cards offers a variety of holiday promotions, allowing you to enjoy cash rebates, raffles, and exclusive partner sales. Stay on top of promo periods and mechanics to make sure every swipe brings you closer to more rewards.

Pro tip: Set a reminder for key dates in November and early December, since many RCBC Christmas promos require registration or a minimum spend per transaction. Reading the fine print can make all the difference in earning those rewards.

3. Stack Rebates the Smart Way

Rebate campaigns can offset gift costs when you time your spending. 

Some RCBC seasonal promos award cash rebates after registration and meeting per-transaction minimums within the promo period. 

Watch for "spend anywhere" campaigns around the holidays and register as soon as you receive your unique code by SMS or email. Transactions before registration usually do not count. 

RCBC has also run category or installment-focused rebate offers. Mechanics often include a cap, eligible channels, and specific dates. Read the rules to plan which purchases will be charged directly and which ones you will convert to installment payments. 

4. Match Your Card to Your Passion

Each RCBC Credit Card is designed to match a passion, helping you shop, dine, and travel with more rewards and less stress this holiday season.

For the gift curator and gadget fan

Spread out big-ticket purchases with 0% installment plans at participating retailers and look for bundle-free offers. Bring a short list of eligible stores and the target terms you want, like 12 or 24 months.

For the foodie

Holiday catch-ups add up. Check the dining deals on the Promos page before booking. You may find buy-one-get-one treats or partner discounts on specific days or cards. Charge the bill on the right RCBC credit card for dining to earn points or cash back, then stack it with the dining promo if the mechanics allow.

For the traveler

If you're flying out or shopping at airports, look for duty-free perks and partner discounts to save. International shopping can also benefit from bankwide holiday rebates and installment options on select overseas partners. Scan the Promos hub and keep your receipts.

5. Don't Skip Partner Store Discounts

Beyond bankwide promos, merchant tie-ups give you extra savings at checkout. 

The Promos hub lists rotating deals, including furniture installment festivals, airport duty-free perks, and food promotions. 

Before you buy a gadget, book a staycation, or pick up décor, a quick scan of the hub could reveal an extra percent off or a bundled freebie.

6. Shop Confidently with Digital Tools

Activate your RCBC Credit Card and experience the ease of managing it through our mobile app, designed for secure and convenient banking. Track your spending, set card controls, and stay on top of payments all in one place, perfect for the busy holiday shopping season.

7. Keep Your Card Safe While You Shop

Holiday crowds and online shopping sprees can increase the risk of fraud attempts, so always shop safely with your RCBC Credit Card. Turn on transaction alerts in the app, keep your OTPs private, and review your statements regularly. If you notice any unusual activity, please contact RCBC immediately through the official channels listed on the bank’s website.

Why RCBC is a Strong Partner for Your Holiday Shopping

RCBC’s story began in 1960 with a promise to serve Filipino families and businesses with care, trust, and dedication. Sixty-five years later, that same promise continues to guide us as we help generations of customers reach their goals through reliable service and more innovative digital banking.

Recognized by Euromoney as the 2025 Best Digital Bank and by Global Business Review for outstanding customer service, RCBC remains your trusted partner, making the way you shop, dine, and travel more rewarding every day.

Make Every Holiday Moment Count with RCBC

Whether you’re shopping online or in-store, your RCBC Credit Card is made to make the season brighter, not stressful. With thoughtful planning, you can enjoy 0% installment on big purchases, earn cash rebates on everyday spending, and get extra savings at partner stores. 

Backed by RCBC’s award-winning digital banking and 65 years of trusted service, your card is the perfect partner for a smooth, rewarding, and joy-filled holiday shopping season.

Happy shopping!