Important Advisory on Fee Changes
Starting September 1, 2025
We would like to inform you about the upcoming fee adjustments for RCBC Credit Cards, which will take effect on September 1, 2025.
| FEES & CHARGES | FROM | TO
(EFFECTIVE SEPTEMBER 1, 2025) |
| Quasi-Cash Fee
(for products like money transfer, prepaid card/virtual account loading, tax payments, securities investments, etc.) | 1% of the amount transacted | 5% of the amount transacted |
| Balance Transfer Processing Fee* | ₱250 | ₱500 |
| Balance Conversion Processing Fee* | ₱250 | ₱500 |
| Cash Loan Processing Fee* | ₱250 | ₱500 |
| Unli 0% Installment Processing Fee*
for transactions requested through Customer Service Hotline/Email** | - ₱250 for each transaction below ₱30,000 - 1% of the transaction amount for purchases ₱30,000 and up | ₱500 or 1% of the transaction amount, whichever is higher |
| Unli Installment Processing Fee*
for transactions requested through Customer Service Hotline/Email** | ₱250 | ₱500 or 1% of the transaction amount, whichever is higher |
| Late Payment Fee | ₱850/US$17 or the unpaid minimum amount due, whichever is lower | ₱1,000/US$20 or the unpaid minimum amount due, whichever is lower |
*Not Applicable to Dollar and Corporate Cards
**For Unli 0%/Unli Installment, there are no changes to the processing fees for purchase conversion via the RCBC Pulz app.
We encourage timely payments to avoid incurring additional charges. Here are some helpful tips for managing Late Payment Fees and Processing Fees:
• Set reminders. Use calendar alerts or notifications to remember due dates.
• Review your Statements. Check your statements for upcoming payment due dates.
• Make use of RCBC Channels and Digital Payment Channels. For added convenience and faster crediting of your payments, settle your payments through RCBC branch, RCBC Pulz, RCBC Online Banking website, QRPH, your bank-of-account’s online banking website/app, or e-wallets. This ensures your payments are processed quickly. Need help? Check out the payment guides here.
• Automate Payments. If you are an RCBC depositor, you may enroll in the Auto-Debit Arrangement (ADA) and choose to have the Total Amount Due or Minimum Amount Due automatically debited from your RCBC Deposit account each month.
• Maximize the RCBC Pulz app. Save on fees and call waiting queues by conveniently converting purchases to Unli 0%/Unli Installment through the RCBC Pulz app. Using your available credit limit and RCBC Pulz, you can also transfer funds to any bank account or e-wallet using the UnliPay benefit of your RCBC Credit Card.
