RCBC Bankard awards the third winner of Fast BillsPay Raffle Promo

RCBC Bankard awards the third winner of Fast BillsPay Raffle Promo

RCBC Bankard awards the third winner of FastBillsPay Raffle Promo

RCBC Bankard cardholder wins a brand-new iPhone 6 in RCBC Bankard’s Fast BillsPay Promo

Always thinking of ways to provide its cardholders with the fastest and most convenient ways of managing their credit card account, RCBC Bankard launched Fast BillsPay which allows them to pay for their Internet, utilities, credit card as well as other bills from over 40 partner-merchants through their RCBC Bankard simply by calling the RCBC Bankard Customer hotline. In addition, they also earn Rewards points for every bill they pay plus automatically qualify to join a bimonthly raffle that can win them a brand-new iPhone 6.

Shown in the photo is Mary Ann Doma of Marilao, Bulacan, the latest winner of the FastBillsPay Bimonthly Raffle Draw with her iPhone 6 prize presented to her by RCBC Bankard Program Manager Macky Fernando during the #Besties Day event at Eastwood Mall Open Park.

RCBC Bankard awards the second winner of FastBillsPay Raffle Promo

RCBC Bankard awards the second winner of FastBillsPay Raffle Promo

RCBC Bankard awards the second winner of  FastBillsPay Raffle Promo

RCBC Bankard cardholder, Diane Jane Paguirigan (center), shown in the photo with RCBC Bankard Program Manager Macky Fernando (L), was the lucky winner of a 16GB iPhone 6 mobile phone in the recent raffle draw for RCBC Bankard’s FastBillsPay Promo held during the Mega Style Night Out at Mega Fashion, SM Mega Mall.

Ms. Paguirigan automatically qualified for the promo after enrolling her RCBC Bankard in FastBillsPay, a payment facility offered by RCBC Bankard that allows cardholders to conveniently settle their bills from accredited utilities and/or insurance merchants anywhere they are by simply calling the Customer Service hotline (888-1-888) and requesting that their bills be paid through their RCBC Bankard. To enjoy this facility, cardholders must first enroll their card either by calling or sending an email to RCBC Bankard Customer Service. Enrollment is free of charge.

A third and final raffle draw for this promo will be held on October 15 this year. Cardholders are encouraged to enroll in the FastBillsPay facility and pay their bills using their card in order to qualify for the draw and possibly win a brand-new iPhone 6.

Win an iPhone 6 when you pay via Fast BillsPay!

Pay via Fast Billspay and get a chance to win an iPhone 6

Win an iPhone 6 when you pay via Fast BillsPay!

Learn more about RCBC Bankard Fast BillsPay here.

PROMO MECHANICS:
1. Promo period is from March 15 to September 30, 2015.
2. The promo is open to all active RCBC Bankard cardholders (except Corporate, Dollar and China Union Pay cardholders) whose accounts are active and current during the promo period.
3. The promo entitles cardholders to earn Bonus Rewards (points/airmiles/rebates) plus a chance to win in the Raffle Draws as outlined below:

Bonus Rewards

  • TEN (10) BONUS REWARDS (in points/airmiles; or equivalent to P2.50 in cash rebates) will be awarded for every Fast BillsPay valid transaction within the promo period. (Note: The Bonus Rewards is not applicable to myDream JCB.)

Raffle Promo

  • Principal cardholders who have successfully enrolled their RCBC Bankard credit card accounts in the Fast BillsPay facility within the promo period will earn TEN (10) RAFFLE ENTRIES.
  • For every Fast BillsPay valid transaction made within the promo period, cardholders will earn ONE (1) RAFFLE ENTRY.

4. All Fast BillsPay transactions made by the Supplementary cardholders within the promo period are qualified to earn Bonus Rewards and Raffle Entries but credited to the Principal cardholder.
5. All employees of RCBC, RCBC Bankard Services Corp., their affiliates and advertising agencies, and their relatives up to the second degree of affinity or consanguinity are not included in the raffle component of the promo but are entitled to earn the bonus rewards.

Raffle Draw Prizes
1. Raffle entries will be electronically-generated and be made available every raffle draw date.
2. All non-winning raffle entries earned within the cut-off date of the raffle draws will be carried over to the next cut-off date of the succeeding raffle draws to give the cardholder more chances of winning.
3. A cardholder can only win once in the raffle promo.
4. Winners will be drawn via electronic raffle system.
5. Schedule of raffle draws and corresponding raffle prize are as follows:

Period Covered

Cut-off Dates Draw Dates

Prizes

March  15 – May 14, 2015 11:59 pm;
May 14, 2015
Raffle Draw 1
4:00 pm; May 27, 2015
One (1) Winner of Apple iPhone 6 16GB
May 15 – July 14, 2015 11:59 pm;
July 14, 2015
Raffle Draw 2
4:00 pm; July 29, 2015
One (1) Winner of Apple iPhone 6 16GB
July 15 – September 30, 2015 11:59 pm;
September 30, 2015
Raffle Draw 3
4:00 pm; Oct. 15, 2015
One (1) Winner of Apple iPhone 6 16GB

6. All raffle draws will be held at the RCBC Bankard Marketing Office, 30/F Robinsons-Equitable Tower, No. 4 ADB Avenue, Ortigas Center, Pasig City.
7. Raffle prizes are transferable but not convertible to cash.
8. Raffle prizes exceeding Php10,000 shall be subject to 20% tax and will be paid by RCBC Bankard Services Corporation.

Notification and Claiming
1. RCBC Bankard will notify the raffle winners by phone and registered mail sent to their billings address.
2. To claim, winners must present the winning RCBC Bankard credit card and a valid ID (Driver’s License, SSS/GSIS, Passport or Company ID) at the RCBC Bankard Marketing Office, 30/F Robinson’s-Equitable Tower, No. 4 ADB Avenue, Ortigas Center, Pasig City. An authorized representative may be allowed to claim the prize on behalf of the winning cardholder provided he/she presents all the requirements previously mentioned including a valid ID of the winning cardholder and an authorization letter signed by the winning cardholder. Prizes of provincial winners will be delivered to their billing address, free of charge.
3. The winner’s RCBC Bankard credit card must be active and current at the time of the raffle draw and claiming of prize.
4. Prizes not claimed within sixty (60) days from receipt of notification shall be forfeited in favor of RCBC Bankard upon approval of DTI.
5. Names and photos of winners may be published in newspapers and/or magazines of general circulation and posted on RCBC Bankard’s website and monthly statement.

DTI-FTEB SPD Permit No. 3797 Series of 2015

Fast BillsPay

RCBC Bankard Fast BillsPay

Now there’s no need for you to go to payment centers and to line-up just to pay for your bills!

With Fast BillsPay, you can pay for your bills, at your own convenience, 24/7. All you need is to call one number, to settle your electricity, water, phone, internet bills and more!

To enroll in Fast BillsPay, just call  RCBC Bankard Customer Service at 888-1-888 and pay for your bills using your RCBC Bankard.

What’s even better, you will also earn Rewards / AIRMILES Points for your bills payment. Every Php250 payment earns you 1 Rewards/AIRMILES Point.

Read Terms & Conditions here.
1. The RCBC Bankard’s Fast BillsPay is a payment facility offered to RCBC Bankard Cardholders to conveniently settle bill/s of accredited utility/insurance companies (“Company”) by charging the amounts thereof to their RCBC Bankard credit cards. 2. To avail of the facility, principal Cardholders must enroll in this program by calling the RCBC Bankard Customer Service hotline 888-1-888 or sending an e-mail to service@rcbcbankard.com. 3. The RCBC Bankard account/s must be active and current at the time of enrollment. Corporate cards and dollar cards are not allowed to enroll in the facility. 4. Cardholder may enroll up to two (2) RCBC Bankard credit card accounts (principal or supplementary cards) to pay any of the accredited companies but maximum of five subscriber/policyholder accounts only per Company. The subscriber/policyholder account/s need not be in the name of the Cardholder. 5. Enrollment or registration to this facility for corporate or sole proprietorship or non-personal or business-related utility bills/insurance premiums/donations is not allowed 6. RCBC Bankard shall have the absolute discretion to approve or reject the enrollment application of the Cardholder. 7. If there are unpaid bills prior to the approval of the enrolment, the cardholder must settle these unpaid bills directly with the company within the prescribed payment period. Only bills dated after approval of the enrolment may be paid through RCBC Bankard’s Fast BillsPay payment facility. 8. Once the subscriber/policyholder accounts and the RCBC Bankard account/s are enrolled, the principal Cardholder or his supplementary/extension Cardholder/s may simply call RCBC Bankard Customer Service anytime at 888-1-888 to pay for their enrolled subscriber/policyholder accounts. Cardholder must inform the RCBC Bankard Customer Service Representative the subscriber/policyholder accounts to be paid, the amount to be paid and the RCBC Bankard card to be charged for the payment. In case payment instructions are received late by RCBC Bankard, the Cardholder shall not hold RCBC Bankard liable for any penalty, inconvenience, delay, damage liability, loss or other consequences that may arise from late payment, including but not limited to, disconnection or interruption of services. 9. RCBC Bankard shall have the absolute discretion to approve or reject the payment request. The Cardholder understands that in case RCBC Bankard rejects the payment of bill/s on grounds such as, but not limited to, insufficient available credit line, overdue balance, invalid subscriber/policyholder number, incorrect amount or suspension by the utility/insurance companies and/or RCBC Bankard, the Cardholder shall pay the corresponding amount of his bill/s directly to the Company. In such cases, the Cardholder shall hold RCBC Bankard and the utility/insurance companies free and harmless from any damage for the suspension or cancellation of service, or penalties or interest that the cardholder may incur, directly or indirectly, by reason of such rejection or cancellation. 10. RCBC Bankard shall charge the bills to the enrolled RCBC Bankard credit card account only upon request of principal Cardholders. Supplementary Cardholders may request for payment if principal Cardholders enrolled the supplementary cards. In case of double payment or excess payment, the Cardholders shall request reimbursement of excess payment directly with the Company. 11. Bills payment transaction shall earn one (1) Rewards/Airmiles point for every P250 transaction except when the credit card enrolled is myDream JCB. For those under cash rebate programs, rebate of 0.10% shall be provided for every bills payment transaction. 12. The utility/insurance billings, if any, shall form part of the Cardholder’s Outstanding Balance and shall be billed by RCBC Bankard on his statement cycle. 13. Dispute between the Company and the Cardholder regarding the service shall not affect the Cardholder’s obligation to pay his Outstanding Balance on his RCBC Bankard card. 14. RCBC Bankard shall inform the Cardholder in case the payment agreement between RCBC Bankard and the Company is terminated. It is understood that the obligation of RCBC Bankard to process payment of bills under the Fast BillsPay shall automatically cease upon termination of RCBC Bankard’s agreement with the Company. 15. Cardholder may cancel his enrollment under the Fast BillsPay by giving written notice to RCBC Bankard. Cancellation of enrollment shall be effective only after fifteen (15) days from RCBC Bankard’s receipt of such notification. The cancellation of the enrollment shall be without prejudice to unpaid and accrued obligations of the Cardholder to RCBC Bankard, if any. 16. The above Terms and Conditions may be amended and supplemented by RCBC Bankard from time to time. These Terms and Conditions are suppletory to and do not amend the Terms and Conditions Governing the Use of the RCBC Bankard Credit Cards, which shall continue to be binding on the cardholders. 17. In availing himself of the Fast BillsPay, the Cardholder agrees to be bound by the Terms and Conditions of this payment facility.

LIST OF BILLS PAYMENT MERCHANTS

UTILITIES (Power, Water, Gas) CABLE TV
First Peak Resources (Water) Planet CATV
Manila Water Co Skycable/Zpdee
Maynilad
Mercalco DONATIONS
Primewater Bantay Bata
Subic Water Operation Smile
Piso Para sa Pasig
Resources for the Blind
TELECOMMUNICATIONS World Vision
Bayantel
Digitel TOLLWAYS
Eastern Telecoms Easy Trip (NLEX)
Globe Telecoms
Innove REALTY/CLUBS
PLDT Alabang Country Club, Inc.
Wi-Tribe Calmarland/Cosmopolitan
Smart IPM Realty
Rockwell Residential
INSURANCE/INVESTMENT/HMO
Fortune Care GOVERNMENT AGENCIES
Fortune Life SSS Contribution
Great Life Financial
Grepalife SCHOOLS
Manulife Financial Plans Ateneo de Manila University
Manulife Phils. DLS  Santiago Zobel School
Paramount Life Don Bosco – Cebu
Phil. Prudential Life La Salle Greenhills
Pioneer Life, Inc. Miriam College
PNB Life Insurance, Inc. University of San Jose Recoletos
Prulife U.K. Insurance University of the East
Sun Life of Canada Phils.

FREE BonChon Treats

Spend and Get FREE BonChon Treats

Spend and Get FREE BonChon Treats
PROMO MECHANICS:

1. The promo is open to all existing RCBC Bankard MasterCard Principal and Supplementary cardholders (“Cardholders”) whose accounts are active and in good credit standing.

2. Promo runs from March 9 to May 15, 2016  June 30, 2016. Redemption period is until July 15, 2016 August 30, 2016.

3. The following transactions qualify the Cardholders to redeem FREE BonChon Treats:

SPEND REQUIREMENT USING AN RCBC BANKARD MASTERCARD FREE BONCHON CHICKEN TREATS
Minimum of Php 5,000 single-receipt straight purchase Choose one from the following:

A. Wings Ricebox
B. Fish & Chips Box
C. Beef Bulgogi Ricebox

Each item is served with regular iced tea.

Minimum of Php 25,000 single-receipt installment purchase
or  
Accumulated installment purchase receipts worth Php 25,000  (minimum of Php 10,000 per chargeslip)
Bundle Treat inclusive of:

  • Small Wings Rack (6 pcs.),
  • Two (2) orders of Seoul Fried Rice,
  • One (1) Chapchae,
  • Two (2) Regular Iced Tea and
  • Two (2) Apple Caramel Crispy Crepe

Note:

  • Only POS-based charge slip/s (electronically authorized) and manual charge slip/s (voice authorized) transactions in Philippine Peso from merchants shall be acceptable for redemption.
  • UNLI 0% Purchase Conversion transactions are excluded from this promo.
  • Foreign currency transactions and all other transactions that are not supported by valid charge slip/s such as but not limited to, online purchases, mail/telephone-order transactions, convert-to-Installment transactions, cash advance, FastBillsPay, CHARGE, Balance Transfer, Cash Loan, and Your Cash availments are not eligible for the promo.
  • RCBC Bankard and Bonchon Chicken will not honor redemptions using official receipts or the credit card statement of account.

4. To redeem, the cardholder must present his/her RCBC Bankard MasterCard credit card and surrender the ORIGINAL credit card charge slip (Customer’s Copy) for proper validation at participating BonChon Chicken outlets nationwide. Cardholder information and transaction details on the charge slip must match those on the RCBC Bankard MasterCard credit card presented and must comply with the promo mechanics.

The following details must be clearly present on the charge slip/s.

  • Date of Qualifying Transaction
  • Transaction Amount
  • Last 4 digits of the valid RCBC Bankard MasterCard credit card
    Note: Accumulated charge slips must bear the same last 4 digit numbers.
  • 6-Digit Approval/Authorization Code

Note: Cardholders with manual charge slip/s (voice authorized) must first call the RCBC Bankard Customer Service Hotline, 888-1-888 to request for a certification to redeem the Bonchon Chicken Treats. The certification should be surrendered with the manual charge slip/s upon redemption.

Cardholders will receive the certification via email or through cardholder’s registered billing address 5 to 7 working days from the date of request.

5. Redemption is valid for dine-in and take-out only and is not valid for delivery.

6. Cardholders can redeem up to a maximum of three (3) BonChon Chicken Treats per card, per day, per outlet.

7. Unreadable and/or duplicate charge slips will not be acceptable for redemption.

8. RCBC Bankard shall not replace lost or stolen charge slip/s.

9. Transaction Charge slips generated from casino/gambling, money transfers quasi cash financial institution, political organizations, bail, bond payment and business transactions as well as from merchants specifically engaged in wholesale (ex. Warehouse clubs, SuySing) and distribution (ex. Food supplement dealers, multi level marketing) will not be honored.

10. For straight transactions, multiple slips generated from the same store or establishment made within the same day by the same cardholder, only one qualified charge slip will be accepted for redemption on the same day. Remaining charge slips will not be accepted. The cost of the treat redeemed through the use of the remaining chargeslips shall be charged to the Cardholder’s RCBC Bankard Credit Card.

11. Splitting of a single-receipt card transaction shall be deemed fraudulent.

12. RCBC Bankard reserves the right to charge the cost of the BonChon Chicken Freebie redeemed against the cardholder’s RCBC Bankard MasterCard credit card should his/her redemption be found to be fraudulent.

13. The offer cannot be exchanged for cash, rewards points or products other than the offers indicated above and cannot be availed with other ongoing promotions of RCBC Bankard & Bonchon Chicken Philippines.

14. By participating in the promo, the cardholder agrees to voluntarily surrender the valid original customer copy of his charge slip/s to a participating establishment upon redemption of Bonchon Chicken Treat/s. Neither RCBC Bankard nor Bonchon are liable to return the surrendered charge slips or produce copies for the cardholder’s records.

15. In case of dispute with respect to the cardholder’s eligibility, coverage of the promo dates, fulfillment, etc., RCBC Bankard’s decision shall be conclusive. All questions or disputes regarding the cardholder’s eligibility for the promo or for any redemption shall be resolved by RCBC Bankard with prior approval from DTI.

EasyTerms Installment Program Mechanics:

1. Qualified cardholders may avail of the EasyTerms 0% interest for a minimum single purchase worth P3,000.

2. EasyTerms 0% interest is applicable if the cardholder pays his/her monthly installment in full.

3. RCBC Bankard EasyTerms 0% Installment is subject to RCBC Bankard’s approval.

4. RCBC Bankard credit cardholders have the option to charge their 0% installment transaction on Buy Now Pay Later “BNPL” scheme wherein the first monthly amortization will be posted to the cardholder’s third cut-off date.

5. EasyTerms 0% partner merchants have sole discretion over the term/s, item/s, minimum spend requirement and availability of BNPL applicable for the 0% interest offering.

6. The approved installment transaction is automatically deducted from the cardholder’s available regular credit limit.

7. If 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.

 

Per DTI-FTEB SPD Permit No. 3223 Series of 2016.

Up to 15% Discount at Pobox.ph

Up to 15% Discount at Pobox.ph

Up to 15% Discount at PoBox.ph

TIP: Earn Bonus Rewards Points on top of your regular Rewards Points when you shop at more than 100 online stores in the US like Macy’s, Target, Sears, Lord Taylor and so much more via All-in Rewards Online. Simply log in with your RCBC Bankard here.

 

PROMO MECHANICS

1. The Promo is open to all RCBC Bankard cardholders in good credit standing.

2. Qualified Cardholders must use their RCBC Bankard to avail of the discounts offered by POBox.ph:

  • 15% OFF on Sea Shipping
  • 10% OFF on Air Shipping

3. Cardholders should login or sign up for an account at www.pobox.ph to avail of the discount.

4. To get the discount, Cardholders should enter the Promo Code (POBox + first 6-digits of the credit card) in to their Billing Page at the POBox.ph website. Example: POBOX517968

5. The discount will be automatically applied to the Billing Statement once the Promo Code is entered.

6. The cardholder should then proceed with the payment of the Billing Statement using RCBC Bankard.

7. Promo is valid for all Shipping Requests from May 10 to June 9, 2016 only.

 

POBox.ph Step by Step Guide

1. Register or sign in at www.pobox.ph.

2. Shop online and have your items shipped to POBox.ph’s California warehouse.

3. Encode the item and shipping details in your POBox account.

4. Click on the Ship My Box tab on your POBox account if you wish to pack and ship your items already.

5. POBox.ph will pack your items in a box and prepare your shipping billing statement.

6. Settle your payment. To avail of the exclusive discount, input the Promo Code (POBox + first 6-digits of the credit card) in the Billing Page. Example: POBOX517968. The discount will be automatically applied to the Billing Statement once the Promo Code is entered.

7. The cardholder should then proceed with the payment of the Billing Statement using their RCBC Bankard.

8. POBox will then proceed with the shipping of your box upon receipt of payment and will issue you a tracking number for the shipment.

RCBC Bankard bags another win in the Retail Banker International Trailblazer Award

RCBC Bankard bags another win in the Retail Banker International Trailblazer Award

RCBC Bankard bags another win in the Retail Banker International Trailblazer Award

In photo, Lim Xiou Ann, Retail Banker International, Asia Editor, hands Highly Commended Award for Product Excellence in Cards to Ma. Angela Mirasol, RCBC Bankard First VP and Marketing Grp Head.

 

RCBC Bankard Services Corporation, the credit card issuing subsidiary of Rizal Commercial Banking Corporation (RCBC), continues its winning streak with its 4th international win in a span of 3 years.

Bagging the Highly Commended Award in the highly competitive Best Card Offering Category at the Retail Banker International Asia Trailblazer Awards 2016, RCBC Bankard was recognized because of its innovative Rewards Program that allows its cardholders to select how they want to be rewarded (Points, Airmiles, Cash Rebate).  On top of these, through the All-in Rewards Program, a store-based Loyalty Program, cardholders also get additional points whenever they use their RCBC Bankard at partner establishments such as Petron, the Cravings Group, Folded & Hung, and more.  They also receive Bonus Points from more than 200 online stores here and abroad, through the All-in Rewards Online Program.  The outstanding rewards program complements the proprietary financial tools, making RCBC Bankard a consistent winner in its category.

“RCBC Bankard is truly unique as it does not only provide our cardholders the best experience with the generous and flexible rewards program, but it also allows them to more effectively manage their finances with proprietary tools like the Spend Monitor and Spend Analyzer.” said RCBC Bankard First VP and Marketing Group Head, Ms. Ma. Angela Mirasol.

President and CEO Simon Calasanz remarked that while the Company is being consistently recognized internationally, it also posted a strong performance in revenue growth and managing bad debt.  “RCBC Bankard has been showing double digit growth in billings for the first quarter of 2016, with Outstanding Receivables reflecting a marked increase from same period last year.  Delinquency Rate is also at an all-time low at 5.4%.”  He added, “We see that while we are continuously innovating to develop a remarkable product that our cardholders will prefer to use, we will also be attracting more clients to apply for an RCBC Bankard.”

Since 2014, RCBC Bankard has bagged a total of four international awards, besting some of the most prominent financial institutions in Southeast Asia. The other rewards received by the RCBC Bankard include Product Excellence in Credit Cards from RBI Asia Trailblazer Awards 2014, Credit Card Product of the Year, and Best Credit Card Offering-Philippines at the Cards and Electronic Payments International (CEPI) Asia Trailblazer Awards in 2014 and 2015, respectively.

FREE Uniqlo GCs

FREE Uniqlo GCs with your new JCB Card

FREE Uniqlo GCs with your new JCB Card

PROMO MECHANICS:

1. The Step Up in Style promo (“Promo”) shall run from May 1 to July 31, 2016.
Promo period: May 1 to July 31, 2016
Spend period:

Month of flyer receipt

Spend Period

May

May 1 to July 31, 2016

June

June 1 to August 31, 2016

July

July 1 to September 30, 2016

Redemption period: May 1 to December 31, 2016

2. The Promo is open to all Principal cardholders of the following JCB-RCBC Bankard credit cards who has received this promo insert:

  • JCB-RCBC Bankard Classic
  • JCB-RCBC Bankard Classic InstaCard
  • JCB-RCBC Bankard Gold
  • JCB-RCBC Bankard Gold InstaCard

3. All qualified Cardholders (item #2) under the Promo are entitled to Php1,000 worth of Uniqlo gift certificate when they use their JCB- RCBC Bankard credit card for a minimum single or accumulated spend of Php20,000 from May 1 to September 30, 2016.

4. To redeem, Cardholders need to call RCBC Bankard Customer Service at 888-1-888 after reaching the Php20,000 minimum spend and inform the Customer Service Representative that they will redeem their Php1,000 worth of Uniqlo gift certificate under the Promo.

5. Upon validation on the card spending, RCBC Bankard will deliver the Php1,000 worth of Uniqlo gift certificate to cardholder’s billing address within 1-2 weeks upon date of call to the RCBC Bankard Customer Service number.

6. Re-delivery of the gift certificate to cardholder’s billing address will be up to two attempts only. Succeeding attempts will be subject to a delivery fee of Php55.

7. All posted retail and installment transactions in pesos and in other currencies are qualified for the the promo including (1) mail order/telephone order; (2) recurring payments and (3) online
transactions. Cash advances via ATM or over-the-counter, Balance Transfers and Cash Loans shall
shall be exempted from the promo. RCBC Bankard will follow the foreign exchange rate conversion
at the time that Cardholder’s transactions were reflected in RCBC Bankard’s system.

8. If for some reason,Cardholder was found to be disqualified based on invalid transactions,
Cardholder’s redemption will be cancelled and RCBC Bankard will advise Cardholder through SMS

9. Transactions of the Supplementary cardholder(s) cannot be combined with the transactions of the Principal cardholder.

10. Cardholders can redeem only once throughout the promo period.

11. Cardholders have until December 31, 2016 to call RCBC Bankard Customer Service to redeem
the promo offer.

12. The promo offer, the Php1,000 worth of Uniqlo gift certificate cannot be exchanged for cash,
or for rewards points from RCBC Bankard and/or Uniqlo.

13. The promo redemption will not be valid if it is in conjuction with an ongoing RCBC Bankard promo.

14. In case of Cardholder dispute in relation to the promo, RCBC Bankard Services Corporation’s decision shall prevail in concurrence to DTI.

15. The Promo is subject to the Terms and Conditions governing the issuance and use of the RCBC Bankard Credit Card.

Per DTI-FTEB SPD No. 6701 Series of 2016

Cash Loan

RCBC Bankard Cash Loan

Turn those thoughts into reality! Get the extra cash you need of courtesy of RCBC Bankard’s Cash Loan.

Enjoy a low monthly interest rate of as low as .89% per month (Annual EIR of 18.32%)
and easy payment terms of up to 60 months!

 

For all of your cash needs, simply call us up at 888-1833, and we’ll have your cash prepared for you!
All applications are subject to credit evaluation and approval.

 

TERMS & CONDITIONS:

  1. RCBC Bankard’s Cash Loan allows the Cardholder to avail of a portion of his total credit limit in cash. Cash Loan facility is limited to select credit cardholders of good credit standing .
  2. Cash Loan availment can be paid in easy and flexible installment terms over 12, 24, 36 or 60 months based on the current Cash Loan interest rates.
  3. To request for Cash Loan, cardholders need to call RCBC Bankard Customer Service at 888-1-833.
  4. The loanable amount for Cash Loan will be based on the cardholder’s available credit limit . Minimum Cash Loan transaction amount is Php10,000 and the maximum is Php500,000.
  5. RCBC Bankard reserves the right to approve or reject applications for Cash Loan and has no obligation to disclose reasons for the rejection or disapproval of Cash Loan requests. If the cardholder has no sufficient credit limit, RCBC Bankard has the sole discretion to approve only a portion of the amount applied for.
  6. A Cash Loan application can no longer be cancelled once approved
  7. Upon approval of the Cash Loan application, RCBC Bankard will deposit the check to cardholders indicated bank account or check will be delivered directly to cardholder’s billing address.
  8. The approved Cash Loan amount is automatically deducted from the cardholder’s available credit limit.
  9. The approved Cash Loan amount will automatically be posted on cardholder’s Statement of Account (SOA) at the nearest cut-off following the release of the check or crediting of Cash Loan proceeds to cardholder’s indicated bank account.
  10. The computation of interest and principal components of the monthly installment shall be on a diminishing basis, and the interest and principal portions will not be equal from month to month.
  11. If the cardholder decides to pre-terminate or pay the Cash Loan installment plan in full before maturity, a pre-termination fee of Php 500.00 or 5% of the unpaid principal amount, whichever is higher will be charged.
  12. A processing fee of P150.00 will be charged to cardholder’s account.
  13. In cases of suspension, cancellation and/or non-renewal of the RCBC Bankard Credit Card due to non-payment or breach of any of the Terms and Conditions Governing the Issuance and Use of RCBC Bankard Credit Cards shall automatically render all the outstanding obligations of the cardholder under the RCBC Bankard Cash Loan facility due and demandable without need of prior notice.
  14. Monthly interest rate, late payment penalty and other charges to be applied by the Cash Loan facility shall be determined by RCBC Bankard.
  15. The abovementioned terms and conditions for the implementation of the RCBC Bankard Cash Loan facility may be amended and supplemented by RCBC Bankard from time to time, as may be deemed necessary without prior notice to, and without need of cardholder’s consent.

C.H.A.R.G.E

C.H.A.R.G.E

C.H.A.R.G.E. stands for every Child Has A Right to Good Education, a special facility designed to assist parents and adult students who are RCBC Bankard cardholders* in financing their tuition and other school-related needs by way of a loan** that they can pay back in easy and flexible installment terms over 3, 6, 9 or 12 months, as shown in the table below:

Tenor Add-on Rate Per Month Factor Rate Effective Rate Per Annum
3 1.00% 0.3433333 17.91%
6 1.00% 0.1766667 20.29%
9 1.00% 0.1211111 21.11%
12 1.00% 0.0933333 21.46%

*Must be a cardholder for at least 12 months.
**Loanable amount is from P10,000 to P300,000 subject to credit evaluation and approval.

Aside from tuition and books, the loan can also be used to purchase a laptop or a gadget that will help your child in his/her studies. RCBC Bankard believes that every Child Has A Right to Good Education and this is why we are making back-to-school easier and worry-free through C.H.A.R.G.E.

To avail, simply call the RCBC Bankard Customer Hotline at 888-1-888 and a check will be mailed directly to your billing address.

 

SAMPLE COMPUTATION:
Total Monthly Payment = C.H.A.R.G.E. amount x Factor Rate

For a C.H.A.R.G.E. availment of of 30,000.00 payable in 12 months
Total Monthly Payment = P30,000.00 X 0.0933333
Total Monthly Payment = P2,800.00

 

TERMS & CONDITIONS:

  1. C. H.A.R.G.E. special facility designed to assist parents and adult students who are RCBC Bankard cardholders* in financing their tuition and other school-related needs by way of a loan. *Must be a cardholder for at least 12 months.
  2. C. H.A.R.G.E. availment can be paid in easy and flexible installment terms over 3, 6, 9 or 12 months based on the current C.H.A.R.G.E. interest rates.
  3. To request for C. H.A.R.G.E., cardholders need to call RCBC Bankard Customer Service at 888-1-888.
  4. The loanable amount for C.H.A.R.G.E. will be based on the cardholder’s available credit limit . Minimum C.H.A.R.G.E. transaction amount is Php10,000 and the maximum is Php300,000 across all cards of the cardholder.
  5. RCBC Bankard reserves the right to approve or reject applications for C.H.A.R.G.E. and has no obligation to disclose reasons for the rejection or disapproval of C.H.A.R.G.E. requests. If the cardholder has no sufficient credit limit, RCBC Bankard has the sole discretion to approve only a portion of the amount applied for.
  6. A C.H.A.R.G.E. application can no longer be cancelled once approved.
  7. Upon approval of the C.H.A.R.G.E. application, RCBC Bankard will deposit the check to cardholders with RCBC or RCBC Savings Bank account. For those cardholder without RCBC or RCBC Savings Bank account, check will be directly delivered to cardholder’s billing address.
  8. The approved C.H.A.R.G.E. amount is automatically deducted from the cardholder’s available credit limit.
  9. The approved C.H.A.R.G.E. loan amount will automatically be posted on cardholder’s Statement of Account (SOA) at the nearest cut-off following the release of the check or crediting of C.H.A.R.G.E loan proceeds to cardholder’s indicated RCBC/RCBC Savings Bank account.
  10. The computation of interest and principal components of the monthly installment shall be on a diminishing basis, and the interest and principal portions will not be equal from month to month.
  11. If the cardholder decides to pre-terminate or pay the C.H.A.R.G.E. installment plan in full before maturity, a pre-termination fee of Php 500.00 or 5% of the unpaid principal amount, whichever is higher will be charged.
  12. In cases of suspension, cancellation and/or non-renewal of the RCBC Bankard Credit Card due to non-payment or breach of any of the Terms and Conditions Governing the Issuance and Use of RCBC Bankard Credit Cards shall automatically render all the outstanding obligations of the cardholder under the RCBC Bankard C.H.A.R.G.E. facility due and demandable without need of prior notice.
  13. A processing fee of P150.00 will be charged to cardholder’s account.
  14. Monthly interest rate, late payment penalty and other charges to be applied by the C.H.A.R.G.E. facility shall be determined by RCBC Bankard.
  15. The abovementioned terms and conditions for the implementation of the RCBC Bankard C.H.A.R.G.E. facility may be amended and supplemented by RCBC Bankard from time to time, as may be deemed necessary without prior notice to, and without need of cardholder’s consent.