Advisory on EMV chip-enabled RCBC Bankard

Advisory on EMV chip-enabled RCBC Bankard



By now, you may have already received your EMV chip-enabled RCBC Bankard. For enhanced security, please use this and discontinue using your magnetic stripe-only card. Kindly note that your old non-EMV, magnetic stripe-only card can only be used until February 28, 2018.

If you have not received your EMV chip-enabled card, please call our Customer Service at 888-1-888.


Advisory on Unli 0% Increase in Processing Fee

Advisory on Unli 0% Increase in Processing Fee

Please be advised that effective April 1, 2018, the processing fee for Unli 0% purchase conversion will be P100 for purchases below P10,000 and P200 for purchases P10,000 and up.

Anti-Phishing Advisory

CARDHOLDER ADVISORY: RCBC and RCBC Bankard will never ask you to update or provide your card information via email. Should you receive an email of a similar nature or if you replied and provided your card information, please call our Customer Service at 888-1-888.

Advisory on Skyview Lounge Access

Advisory on Skyview Lounge Access

To our valued RCBC Bankard cardholders, Skyview Lounge located at NAIA terminal 3 will allow cardholders and guests to access the lounge until August 15. After the said date, lounge service will be unavailable during the planned renovation until September 30. Skyview Lounge access will resume on October 1, 2017.

RCBC Bankard to launch One-Time Password for online purchases

RCBC Bankard to launch One-Time Password for online purchases

RCBC Bankard to launch One-Time Password for online purchases

Our priority is to make your online shopping experience simpler than ever and as safe and secure as always.

We’re happy to announce that we shall be migrating from a static password to a dynamic ONE-TIME PASSWORD (OTP) via Shop Secure for online purchases. In preparation for this, we will need the mobile numbers of both principal and supplementary cardholders. Please call 888-1-888 to provide and/or update your contact information.

Thank you!

Cardholder Advisories

Good news! Manage your cash flow better with your RCBC Bankard! Starting June 30, 2017, you have the option to defer the posting of the 1st amortization of your balance/purchase conversion and/or balance transfer transaction by one cycle. The interest for the additional one month (30 days) will be computed using the prevailing interest rate and will be billed together with the 1st amortization interest.



Use of your RCBC Bankard to pay for products or items  that are representative of actual cash such as  money transfer and prepaid card/virtual account loading, tax payments, securities investments, and the like, will be charged a Quasi Cash fee equivalent to 1% of the amount transacted.

For a list of quasi cash merchant categories, click here.
Merchant Category Code (MCC)* Merchant Category
4829 Wire Transfer/Money Orders
6050 Quasi Cash – Customer Financial Institution
6051 Quasi Cash – Merchant
6211 Securities – Brokers/Dealers
6532 Payment Transaction – Customer Financial Institution
6533 Payment Transaction – Merchant
6536 MoneySend Intracountry
6537 MoneySend Intercountry
6538 MoneySend Funding
6540 POI Funding Transactions
6760 U.S. Savings Bonds
8651 Political Contribution
9211 Court Costs including Alimony and Child Support
9222 Fines
9223 Bail Bond
9311 Tax Payments
9411 Gov. Loan Payments

* In determining quasi-cash transactions, RCBC Bankard shall rely on the MCC assigned by the bank that affiliated the merchant.  


Earn generous and non-expiring Rewards Points/AIRMILES/Cash Rebates when you use your RCBC Bankard to pay for retail purchases, monthly installments, and recurring bills (i.e. Fast BillsPay).  However, the use of RCBC Bankard for gambling transactions and quasi-cash payments, such as money transfer and securities investments, will NOT earn Rewards points/AIRMILES/Cash Rebates.


Please be advised that, effective June 30, 2017, the interest to be applied will be P25/US$0.50 or 3.5% per month computed on daily outstanding balance, whichever is higher.


Starting June 30, 2017, the late payment fee for past due accounts will be P400/US$8. In instances of multiple past due occurrences exceeding three (3) months for the past 12 months, the following late payment fees will be applied: P500/US$10 late fee (4 to 6 months) or P600/US$12 (7 months and above).To avoid being charged late payment fees, please pay your dues on or before due date.


All charges and transactions made in currencies other than Philippine Peso will be automatically converted to Philippine Peso using the daily retail foreign exchange rates published by RCBC or alternatively at an exchange rate determined by Mastercard/Visa/JCB/UnionPay.  The exchange rate applied is determined on the date of posting to the Cardholder’s account and may be different from the rate in effect on the date the transaction was made. The converted amount shall also be charged 3.50% representing the Mastercard/Visa/JCB/UnionPay assessment fees and the Bank’s service fee.  Similarly, a service fee of 2.25% shall be applied to transactions amounting to Php1,000 and up, or its foreign currency equivalent, involving foreign currency transactions converted to Philippine Peso at point of sale, whether executed in the Philippines, abroad or online and shall cover assessment fee and such other costs incurred or necessary to discharge the amount(s) due to Mastercard/Visa/JCB/UnionPay.


Get access to cash here in the Philippines and abroad through your RCBC Bankard’s Cash Advance facility. To avail of Cash Advance, you need to use the Personal Identification Number (PIN) that was mailed to you.  If you need a new PIN, simply call us up at 888-1-888 (for regular cards) or 888-1-883 (for Premium Cards).  Note that Cash Advance transactions are subject to a 3% service fee or P500/US$10 and a finance charge at the prevailing rate which will be computed from availment date until full payment date.

RCBC Bankard is EMV ready

RCBC Bankard is EMV ready

RCBC Bankard is EMV ready

In compliance with the BSP mandate, all RCBC Bankard Mastercard, Visa, JCB, and UnionPay credit cards are now 100% EMV chip compliant.


RCBC Bankard Services Corporation (RBSC), the credit card servicing entity of Rizal Commercial Banking Corporation (RCBC), made good on its promise to comply with the transition to EMV chip cards.

BSP (Bangko Sentral ng Pilipinas) mandated all banks to make the transition to Europay Mastercard Visa (EMV) chip enabled cards before January 2017. EMV chip technology is currently a global standard for all credit and debit card transactions. Many banks across the world have foregone the magnetic stripe cards for the use of safer EMV chip cards, ensuring that their cardholders are constantly protected from the threat of fraud and ATM theft.

“The protection of our clients’ personal and spending information has always been a top priority of RCBC Bankard. Migrating to the new EMV Cards not only furthers this goal but also signifies RCBC Bankard’s dedication to synchronize with global advancement in order to provide better services for our cardholders.” says Simon Calasanz, RCBC Bankard President and CEO.

RCBC Bankard officially completed their EMV chip transition for all new and existing RCBC Bankard credit cards last November 29, 2016. The transition began in 2015 and has reached a 100% re-issuance status by the end of 2016. Existing RCBC Bankard credit cardholders, be it Mastercard, Visa, JCB, or Unionpay were sent their upgraded cards in the mail at no additional cost.

“We are one with the BSP in the thrust to address increasing concerns on cyber security, and our completion of EMV Cards issuance signifies our commitment to address risks related with emerging shifts in technology and implement sufficient safeguards to protect consumer payment information.” says Regina Y. Millare, RCBC Bankard Chief Operating Officer and Chief Information Officer.

RCBC Bankard wishes to assure its credit cardholders that if they have yet to receive their EMV chip card in the mail, they are not to worry because they can continue to use their magnetic stripe cards until they finally receive their new EMV credit card.

RCBC Bankard is a key player in the credit card industry, having been recognized in the international arena, six times for 2016, by different independent award-giving bodies. At present, RCBC Bankard has over half a million cardholders across the country. RCBC Bankard’s issuing billings grew by 23% compared to the previous year and has posted a lower delinquency rate of 4.66%.

Clients with further inquiries can call 888-1-888 to follow-up or check on the Card Delivery Status of their EMV card.