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.