Race to Rewards

1. Promo period is from September 21, 2026 to November 21, 2026.
2. This promotion is open to all verified GoTyme Bank Corporation ("GoTyme Bank") customers with an active GoTyme Bank account that remains in good standing throughout the promo period and at the time of reward fulfillment.
3. Customers who use their GoTyme Bank Visa debit card to make qualified transactions in Singapore during the promo period shall earn bonus Go Rewards points based on their cumulative qualified spend, as follows:
   
   

   Cumulative Qualified Spend	Go Rewards Points
   PHP 5,000 to PHP 9,999	+50
   PHP 10,000 to PHP 19,999	+100
   PHP 20,000 and above	+50

   Bonus Go Rewards points are awarded incrementally as customers achieve each cumulative spend tier. For example, a customer who spends PHP 15,000 will receive a total of 150 Go Rewards points, while a customer who spends PHP 20,000 or more will receive a total of 200 Go Rewards points.

4. Qualified transactions refer to successful and posted point-of-sale (POS) transactions made using a GoTyme Bank Visa debit card at eligible merchant establishments and public transportation operators identified by Visa as being located in Singapore during the promo period. This includes in-store retail purchases and transactions for MRT, bus, and other public transportation.

   1. Transactions must be successfully posted to the customer's account within the promo period to qualify.
   2. Qualified transactions made using Apple Pay, Google Pay, and Garmin Pay linked to a GoTyme Bank Visa debit card shall also be eligible under this promo.

5. The following transactions shall not be considered qualified transactions under this promo:

   1. Purchases through app-based service platforms (including but not limited to ride-hailing and delivery services);
   2. Online or e-commerce transactions;
   3. Transactions made at medical or healthcare establishments;
   4. Transactions made at hotels, accommodations, or other lodging establishments;
   5. Cancelled, reversed, refunded, declined, disputed, or fraudulent transactions;
   6. ATM withdrawals, cash advances, balance transfers, quasi-cash transactions, money transfers, gambling-related transactions, and wallet funding transactions;
   7. Fees, finance charges, interest charges, installment payments, and other bank charges;
   8. Transactions made for the purchase of foreign currency, traveler's checks, casino chips, cryptocurrency, or other cash equivalents; and
   9. Any transaction determined by GoTyme Bank to be invalid or in violation of the GoTyme Bank Terms and Conditions.
6. Transactions will be converted to Philippine Peso (PHP) at the prevailing exchange rate at the time of transaction. The converted PHP amount reflected in the customer's GoTyme Bank account, net of any administrative fees, will serve as the basis for computing Go Rewards points earned under this promotion.
7. The PHP Amount reflected in the customer's account shall be the final and conclusive basis for any points computation or dispute. Any discrepancy between the transaction amount in foreign currency and PHP is solely a result of currency conversion and applicable fees, if any, and shall not constitute a basis for adjusting or reversing points awarded.
8. Customers may earn a maximum of two hundred (200) Go Rewards points under this promotion.
9. Go Rewards points earned under this promo are in addition to the standard Go Rewards points that customers may earn from eligible card transactions.
10. Bonus Go Rewards points shall be credited to the customer's account within seven (7) banking days after the end of the promo period, subject to validation of qualified transactions.

11. GoTyme Bank reserves the right to withhold, withdraw, forfeit, or refuse to award any Go Rewards points under this promo, without prior notice and even if the same have already been received and/or used by the customer, should any of the following occur:

    1. GoTyme Bank reasonably believes that the customer engaged in or employed fraudulent, unfair, and/or illegal schemes, methods, means or devices;
    2. GoTyme Bank determines that the customer is or was not qualified to participate in this promo and/or should not be entitled to the award;
    3. The customer's GoTyme Bank or Go Rewards account is inactive or under review;
    4. The customer failed to abide by the terms and conditions of GoTyme Bank and/or Go Rewards; or
    5. Any qualified transaction is cancelled, reversed, refunded, declined, or determined to be invalid for any reason whatsoever.
12. Customers must notify GoTyme Bank of any complaints regarding the promo within thirty (30) banking days from the end of the promo period. The decision of GoTyme Bank, with the concurrence of DTI-FTEB, shall be considered final. For clarifications and complaints relative to this promo, please email help@gotyme.com.ph

Per DTI Fair Trade Permit No. FTEB-266362 Series of 2026.