Credit Card RCBC Rewards Points Guide: How to Earn and Maximize Them
Alam mo ba na bawat swipe ng RCBC Credit Card mo can actually give you rewards points? 🎉 For first-time credit card users sa Pilipinas, ito ang isa sa pinaka-exciting na perks ng paggamit ng credit card—getting something back every time you spend.
Pero paano ba gumagana ang RCBC Rewards Points, ano ang requirements, at paano ito mamamaximize? Kung bago ka pa lang sa mundo ng credit cards, this guide will walk you through everything you need to know.
What Is a Credit Card and How Rewards Work
H2: What Is a Credit Card?
A credit card is like a mini-loan from the bank. You can buy now and pay later. Aside from convenience, banks reward you with points, cashback, or miles para sulit ang bawat gamit.
H2: How RCBC Rewards Points Work
Earn points every time you spend – For example, 1 point per ₱36 spent (varies per card).
Points accumulate automatically – Hindi mo na kailangan mag-manual tracking.
Redeem rewards – From shopping vouchers, gadgets, to airline miles.
How to Earn RCBC Rewards Points
H3: Everyday Purchases
Groceries, bills, fuel, and dining all earn points.
Mas gamit = mas points.
H3: Online Shopping
Earn rewards while paying sa Lazada, Shopee, or international sites.
H3: Special Promotions
Sometimes RCBC offers bonus points for specific merchants.
Example: Double points sa restaurants or travel bookings.
đź’ˇ Tip: Gamitin ang Credit Card Cost Calculator para makita kung sulit ang rewards kung hindi ka makakapag-full payment. Mas maganda kung iwasan ang interest charges para hindi masayang ang points.
How to Redeem RCBC Rewards Points
H3: Via RCBC Digital App
Log in to your RCBC Digital account.
Go to Rewards Catalog.
Choose items like gadgets, gift certificates, or cashback.
Confirm redemption.
H3: Via RCBC Customer Service
Tawagan ang hotline at iparedeem ang points.
Useful lalo na kung nahihirapan ka sa online access.
Benefits of RCBC Rewards Points
Freebies and Discounts – Shopping vouchers, airline miles, or gadgets.
Extra Savings – Mas tipid sa groceries or dining out.
Motivation to Use Wisely – The more you use your card responsibly, the more rewards you earn.
Common Issues When Using RCBC Rewards Points
H3: Points Expiration
Some rewards points have an expiration date.
Always check sa RCBC app.
H3: Not Enough Points
Hindi lahat ng rewards ay mura; minsan kailangan ng maraming points.
Combine points + cash option if available.
H3: Delayed Posting
Sometimes points take a few days before appearing.
Check back after billing cycle.
Smart Tips to Maximize RCBC Rewards Points
âś… Use your card for big purchases (but pay in full).
âś… Take advantage of bonus point promos.
âś… Redeem points before they expire.
❌ Avoid overspending just to earn points.
❌ Don’t let interest eat up your rewards value.
TL;DR – Quick Summary
RCBC Credit Cards let you earn rewards points every time you spend.
Points can be redeemed for vouchers, gadgets, or airline miles.
Use your card wisely and pay in full para hindi matalo sa interest.
Check your points regularly through the RCBC Digital App.
Use the Credit Card Cost Calculator to balance rewards and costs.
FAQs: RCBC Credit Card Rewards Points
1. How much do I need to spend to earn 1 RCBC rewards point? Usually ₱36 = 1 point, pero depende sa type of RCBC credit card.
2. Do RCBC rewards points expire? Yes, some cards have expiration periods—always check your terms.
3. Can I convert RCBC rewards points to cash? Yes, some RCBC cards allow cashback redemption.
4. How do I redeem my RCBC points? Through the RCBC Digital App or by calling their hotline.
5. Do supplementary cardholders earn points too? Yes, all transactions from both primary and supplementary cards add up to your points balance.
