Great news! The flexible Unli 0% purchase conversion feature of your RCBC Bankard
just got even more flexible!


Enjoy longer payment terms of up to 36 months with a very minimal add-on rate for every straight purchase you convert.

Convert your straight purchases to 3 months, 0% installment.



Enjoy rates as low as 0.58% per month for up to 36 months if you avail of UNLI INSTALLMENT until January 31, 2019.

Tenor Rate (add-on) Rate (EIR) Rate (Annualized)
12 0.58% 1.05% 12.61%
18 0.58% 1.07% 12.80%
24 0.58% 1.07% 12.84%
36 0.58% 1.06% 12.76%



1. Promo is extended until January 31, 2019 as approved by DTI-FTEB.
2. Promo rate is exclusively available to all RCBC Bankard credit cardholders in good credit standing.
3. Convert single -receipt straight retail transaction at ANY local or international establishment, including online purchases, during the promo period. Installment, Cash Advance, Cash Loan, Balance Transfer, Balance Conversion and transactions made at any casino/ gambling establishment, Outstanding balances from previous cycles are excluded from this promo.Billed transactions of the current cycle and previous month’s cycle are allowed to be converted to Unli Installment.
4. To avail, simply call RCBC Bankard’s Customer Service hotline at 888-1-888 and request for a conversion of your purchases to Unli Installment at any of the available terms 12, 18, 24 & 36 months.
5. RCBC Bankard Unli Installment is subject to RCBC Bankard’s approval. Retail purchases prior to the promo period will continue to incur charges at the applicable monthly interest rate.
6. Terms and Conditions Governing the Issuance and Use of RCBC Bankard Credit Cards shall continue to apply.

Per DTI-FTEB Permit No. 12776 Series of 2018


There is still no limit to the number of times you can avail of UNLI INSTALLMENT and UNLI 0% and no minimum amount for conversion.

Simply call 888-1-888 to let us know your preferred payment term.

The choice is yours!


Terms & Conditions

Unli Installment and Unli 0% Installment (“Unli 0%”) are purchase conversion features of RCBC Bankard* that allow cardholders to convert their straight purchase into 0% installment, by calling RCBC Bankard’s Customer Service Numbers (888-1888 or 888-1883). There is no minimum amount for conversion, and no maximum number of times that a cardholder can avail of this feature.

On the other hand, the following transactions are excluded from Unli 0% conversion: Installment, Cash Advance, Cash Loan, Balance Transfer, Balance Conversion, and Casino/Gambling Transactions. Unli 0% conversion is a non rewards point/cash/rebate/airmile earning transaction.

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.

*RCBC Bankard Dollar and UnionPay Cards are excluded from Unli Installment and Unli 0% programs.