Fees & Charges
Stay informed about the fees & charges of your RCBC Credit Card.
Stay informed about the fees & charges of your RCBC Credit Card.
| Monthly Interest Rate | 3.00% |
| Retail Monthly Effective Interest Rate | 3.00% |
| First Year Membership Fee | WAIVED |
| Returned Check Fee | ₱1,500 / US$30 |
| Card Replacement Fee | ₱500 / US$10 ₱1,000 for RCBC Visa Infinite |
| Invoice Retrieval Fee | ₱300 / US$6 |
| Refund Processing Fee | ₱150 / US$3 for every refund request of any overpayment |
| Cash Advance Fee | ₱200 / US$4 |
| Late Payment Fee | ₱850 / US$17 or the minimum amount due, whichever is lower. |
| Installment Pre-Termination Fee | 5% of the unpaid principal amount of ₱500, whichever is higher. |
| Unli Installment Processing Fee | No processing fee if done through the RCBC Online Banking App. Subject to prevailing interest rate. If pre-terminated, Installment Pre-Termination Fee will apply. ₱250 for every purchase conversion request through Customer Service Hotline/Email
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| Unli 0% Processing Fee | (a) 1% of the transaction amount for purchases ₱30,000 and up (b) ₱200 for each transaction amounting to ₱10,000 – below ₱30,000 (c) ₱100 for each transaction below ₱10,000 ₱250 for every purchase conversion request below ₱30,000 through Customer Service Hotline/Email |
| Service Fee for Foreign Currency Transactions | Enjoy our LOWEST foreign currency conversion fee at 1.68% from August 15 to November 15, 2023. For Peso Cards, all foreign currency transactions which are charged using the local currency shall be converted to Philippine Peso subject to a Service Fee of 3.5% which represents the Mastercard/Visa/JCB/UnionPay assessment fees and the Bank's service fee. Transactions in Australian Dollar, Canadian Dollar, Euro, Hong Kong Dollar, Japanese Yen, Korean Won, Singapore Dollar, Thailand Baht, UK Pound Sterling, and US Dollar shall be converted to Philippine Peso using the foreign exchange selling rate of Rizal Commercial Banking Corporation on transaction posting date. All other transaction denominations other than the aforementioned shall be converted using the Mastercard/Visa/JCB/UnionPay currency conversion rate on transaction posting date. For foreign currency transactions converted to Philippine Peso at point of sale, whether executed in the Philippines, abroad or online, a Foreign Currency Conversion Service Fee of 2.25% shall be applied to transactions amounting to ₱1,000 and up, or its foreign currency equivalent. For Dollar Cards, all foreign currency transactions which are charged using the local currency shall be converted to US Dollar subject to a Service Fee of 3.5% which represents the Mastercard assessment fees and the Bank's service fee. For foreign currency transactions converted to US Dollar at point of sale, whether executed in the Philippines, abroad, or online, a Foreign Currency Conversion Service Fee of 2.25% shall be applied to transactions amounting to US$20 and up, or its foreign currency equivalent.
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| Quasi-Cash Fee (for products like money transfer, prepaid card/virtual account loading, tax payments, securities investments, etc.) |
1% of the amount transacted. For the list of quasi cash merchant categories, click here. |
| Gaming / Casino Service Fee | 5% of every transaction or ₱1,000 (US$25 for dollar cards), whichever is higher. |
| Cash Loan and YourCash! Processing Fee | ₱250 if preferred cash disbursement is through RCBC bank deposit and ₱350 for non-RCBC bank deposit or check delivery. A reprocessing fee of ₱150 will be charged for errors on Recipient Account Details. (Facility not available to Dollar Card) |
| Multiple Payment Fee | ₱40 for every payment in excess of 3 payments within a statement cycle in non-RCBC payment channels:
a. Bancnet b. BDO c. BPI d. CIS Bayad Center e. SM payment center f. Unionbank |
| Dormancy Fee | ₱200 per month to be charged to a) active accounts with negative balance and no activity for 24 months, b) blocked/closed accounts with negative balance and no activity for 3 months |
| Over Limit | ₱600/US$12 to be charged at any time when the outstanding balance plus unbilled installment exceeds the permanent credit limit. The Over Limit Fee will be charged once within the statement cycle. |
| Balance Transfer Processing Fee | ₱250 (Facility not available for Corporate Accounts & Dollar Mastercard) |
| Balance Conversion Processing Fee | ₱250 |
| Bank Certification Fee | ₱150 / US$3 per copy including delivery fee |
| Re-Print Fee | ₱100 for every re-print of paper statement |
| InstaCard Cancellation Fee | ₱300 / US$ 10 |
| Minimum Amount Due | (Total Statement Balance – Transactions Posted on the Current Statement - Amount Past Due – Current Late Charge) * 3% + (Amount Past Due + Current Late Charge + Current Over Limit Amount) OR ₱500/US$15 (for Dollar Cards) whichever is higher.
For Peso Cards For Minimum Amount Due between Php500 – Php1,000, the Minimum Amount Due will be rounded down to the nearest multiple of Php100.
For Minimum Amount Due between Php1,000 – Php3,000, the Minimum Amount Due will be rounded down to the nearest multiple of Php500.
For Minimum Amount Due above Php3,000, the Minimum Amount Due will be rounded down to the nearest multiple of Php1,000. For Dollar Cards For Minimum Amount Due between US$15 – US$100, the Minimum Amount Due will be rounded down to the nearest multiple of US$1.
For Minimum Amount Due above US$100, the Minimum Amount Due will be rounded down to the nearest multiple of US$10. |
| If you pay any amount less than the Closing Balance/Total Amount Due or make a cash advance transaction, interest charge at the interest rate of your card will be computed on the Daily Outstanding Balance of your account (including any fixed monthly installment amount/s) from the date of the transactions until the end of the current statement period. | |
| Purchase or Principal Amount | P20,000 |
| Payment Amount | 5% of total outstanding balance rounded-off to the nearest peso |
| Payment Timing | 25 day after statement date |
| Monthly Effective Interest Rate | 3.00% |
| Month | Outstanding Principal | Interest | Payment | Outstanding Balance |
| 1 | P20,000.00 | - | - | P20,000.00 |
| 2 | P20,000.00 | P575.00 | P1,000.00 | P19,575.00 |
| 3 | P19,000.00 | P581.38 | P979.00 | P19,177.38 |
| 4 | P18,596.00 | P587.79 | P959.00 | P18,806.16 |
| 5 | P18,218.38 | P558.54 | P941.00 | P18,423.70 |
| 6 | P17,865.16 | P564.68 | P922.00 | P18,066.38 |
| Cash Advance Amount | P20,000 |
| Cash Advance Fee | P200 |
| Payment Amount | 5% of total outstanding balance rounded-off to the nearest peso |
| Payment Timing | 25 day after statement date |
| Monthly Effective Interest Rate | 3.16% |
| Month | Outstanding Principal | Interest & Fees | Payment | Outstanding Balance |
| 1 | P20,000.00 | P806.00 | - | P20,806.00 |
| 2 | P20,000.00 | P598.17 | P1,041.00 | P20,363.17 |
| 3 | P19,565.00 | P604.78 | P1,019.00 | P19,948.95 |
| 4 | P19,144.17 | P611.43 | P998.00 | P19,562.38 |
| 5 | P18,750.95 | P581.00 | P979.00 | P19,164.38 |
| 6 | P18,383.38 | P587.38 | P959.00 | P18,792.76 |
