Great news! Starting June 5, 2019, computation of the daily interest rate on your retail transactions will start on statement cut-off date instead of transaction date. This means the amount of interest on your unpaid balances will be lesser! Only interest from cash advance transactions, fees and charges will continue to be computed daily from the transaction date. Unpaid balances in your current Statement will continue to incur interest until the amount is fully paid.

For a clearer understanding, of the new computation of interest rate, please see sample computation below:


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.