Security Advisory on Fraudulent SMS

Security Advisory on Fraudulent SMS


Be wary of fraudulent SMS appearing to come from RCBC or RCBC Bankard asking for your personal information.

Call our Customer Service Hotline 888-1-888 if you have received a suspicious SMS or if you have already replied and provided your card information. 

Remember that RCBC/RCBC Bankard will never ask you to provide and/or confirm your personal information via unsolicited SMS, e-mail or link.

Read more tips to keep your credit card safe here.


Closure of Miascor Lounge

Important Advisory on Closure of Miascor Lounge

The MIASCOR Lounge at NAIA Terminal 1 ceased its operations last April 19, 2018.

You can, however, still continue to enjoy access and travel perks in Sky View Lounge at NAIA Terminal 3 using your RCBC Bankard.

Know more about RCBC Bankard’s world-class travel benefits and privileges here.


Want an RCBC Bankard? Apply Now.

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.

RCBC Bankard and JCB unveil new premium card for travelers

RCBC Bankard and JCB unveil new premium card for travelers

RCBC Bankard, together with their long-time partner, JCB, is ready to introduce their newest prestige card, the RCBC Bankard JCB Platinum Card.

The card was formally launched at an exclusive gathering attended by RCBC Bankard and JCB executives, and members of the press at the Bonifacio Hall in Shangri-La the Fort. This latest product is set to join RCBC Bankard’s existing roster of award-winning credit cards.

The RCBC Bankard JCB Platinum Card is equipped for today’s modern traveler, with benefits such as access to over 55 airport lounges, free use of JCB Plaza lounges located in major cities worldwide, 24/7 Concierge Desk service, as well as free travel insurance worth up to Php 1,000,000.

The card also makes use of RCBC Bankard’s flexible rewards program, where cardholders can earn points through domestic or international purchases. RCBC Bankard cardholders can even earn more points when they use the card for their purchases made in Japan. Reward points earned can also be converted to Airmiles for well-known airlines such as Philippine Airlines, Cebu Pacific, Cathay Pacific, andAir Asia, among others.

“We would like to provide our premium clients with more options.  The launch of the RCBC Bankard JCB Platinum card will definitely appeal to accomplished individuals who frequently travel abroad for both business and pleasure.  Noting the increase in Filipinos visiting Japan and the issuance of multiple Visa entry, we anticipate that our premium cardholders will be going to Japan more often.  Hence, we doubled the points/airmiles that they can earn using the RCBC Bankard JCB Platinum card for spending made in Japan.  The partnership with JCB enhances the privileges even more since they offer worldwide benefits to the JCB cardbase which our cardholders can take advantage of” states Simon Calasanz, President and CEO of RCBC Bankard.

For his part, Senior Vice President of JCBI Yuichiro Kadowaki, has expressed, “We are pleased that RCBC Bankard, an expanding credit company showing the strongest growth in the Philippines, has launched this new Platinum card. Our partnership has been strong for more than 20 years, and we are now stepping up to the next stage with the new product. Both of us are keen to provide a good product and services to customers of RCBC who are interested in Japanese culture and those who travel to Japan. Filipino tourists going to Japan exceeded 400,000 in 2017 and there will be more in 2018. We provide lounge services at 28 airports in Japan and 29 airport lounges in other countries, mainly in Asia. Other than this, Platinum JCB Cardmembers get exclusive access to Universal Studios Japan JCB Lounge. We hope RCBC Bankard customers will enjoy our services.”

The RCBC Bankard JCB Platinum Card also includes the card-winning benefits such as Spend Monitor, a budget management tool that helps cardholders keep an eye on their finances by allowing them to set their own budget, Spend Analyzer, which provides cardholders with a summary of their transactions, Fast Billspay, a feature that provides RCBC Bankard cardholders with a worry-free and rewarding bills payment facility, and Unli0%, where cardholders can pay for their straight purchases within 3 months at 0% installment.

To apply for the bank’s newest prestige card,  call 888-1-883.



RCBC Bankard Services Corporation (RBSC) is the Card Servicing entity of Rizal Commercial Banking Corporation (RCBC), one of the Philippines largest private universal banks.  RCBC and RCBC Bankard Services Corporation are members of the Yuchengco Group of Companies (YGC). RCBC Bankard provides unique and world-class cashless transactions, versatile add-on services, and an innovative rewards program to its cardholders. For more information on RCBC Bankard, visit


JCB is a major global payment brand and a leading payment card issuer and acquirer in Japan. JCB launched its card business in Japan in 1961 and began expanding worldwide in 1981. As part of its international growth strategy, JCB has formed alliances with hundreds of leading banks and financial institutions globally to increase merchant coverage and card member base. As a comprehensive payment solution provider, JCB commits to provide responsive and high-quality service and products to all customers worldwide.


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.