Good news! Effective June 5, 2019, computation of daily interest for retail transactions, fees, and charges shall start at statement cut-off date instead of transaction date.  With this change, interest fee computation on unpaid outstanding will be lesser.

Cash Advance transactions, on the other hand, shall continue to compute daily interest from the date of transaction.

Any unpaid balance from the previous Statement of Account (SOA) will incur interest which will be reflected in the next SOA.
Interest on the unpaid outstanding balance shall continue to be computed and imposed until the outstanding balance has been fully paid.


Rizal Commercial Banking Corporation (RCBC) is regulated by the Bangko Sentral ng Pilipinas (BSP).  For inquiries and complaints in relation to RCBC Bankard Credit Cards, please call RCBC Bankard Customer Service Hotline at (02) 888-1888, send an email at, or the BSP Financial Consumer Protection Department at (02) 708-7087.