UNLI 0% / UNLI Installment

Convert STRAIGHT purchases made ANYWHERE to installment and experience the most flexible installment all year round!

Unli installment.png
How do RCBC UNLI 0%
 and UNLI Installment work?
  • Convert your straight single-receipt purchases, including UnliPay, online and overseas transactions, into installments.
  • For retail purchases, enjoy 0% installment for 3 months via UNLI 0% or longer payment terms up to 36 months with minimal interest rate via UNLI Installment.
  • For UnliPay transactions, you can convert them to UNLI Installment for 3 to 36 months.
  • There's no minimum amount for conversion and no maximum number of times you can avail of this feature!
Apply Now
Unli 0%/Unli Installment is available through the RCBC Pulz app. 
Here's how it works:
    1. After signing in, go to “Credit Card” tab and select the Card you want to view.
    2. Choose the transaction that you’d like to convert to installment from “Recent Transaction” or latest statement of account on “View Statement”.

      Tap the “Convert to Installment” link on your chosen transaction.

    3. Select your preferred installment term, “Slide to Convert” to confirm your transaction, and you’re done!

Tip: For a smooth RCBC Pulz experience, ensure that you have the updated version of the app.

Try it now! Download & register in the RCBC Pulz app.
   


Rates and Terms & Conditions

    Terms Add-On Rate per Month Effective Interest Rate Annualized Rate
    3* 1.00% 1.4930% 17.92%
    6 1.00% 1.6910% 20.29%
    9 1.00% 1.7600%
    		21.12%
    12 1.00% 1.7890% 21.47%
    18 1.00% 1.8040% 21.65%
    24 1.00% 1.7980% 21.58%
    36 1.00% 1.7670% 21.20%

    *Exclusive for UnliPay transactions
           
    1. RCBC Credit Cards' Unli 0% is a purchase conversion facility that allows principal and supplementary cardholders to convert their straight purchases to 0% installment over 3 months.
    2. Purchases made by the principal and supplementary cardholders are eligible for Unli 0% excluding Dollar and Corporate accounts. Conversion of the transactions of the supplementary cardholders must be requested by the principal cardholder.
    3. There is no minimum amount for conversion and no maximum number of times that a cardholder can avail of this feature.
    4. To avail of the Unli 0% offer, cardholders can use the RCBC Pulz app and select the transaction/s that the cardholder wants to convert to Unli 0% Installment. A Notification will be displayed whether the conversion has been successful or not. 
    5. A minimal processing fee will be charged as follows:
      6. CHANNEL Transaction Amount Processing Fee
      RCBC Pulz App Below ₱10,000 ₱100
      ₱10,000 to below ₱30,000 ₱200
      Customer Service
      Hotline or Email      		 Below ₱30,000 ₱250
      RCBC Pulz  App, Customer Service
      Hotline or Email      		 ₱30,000 and up 1% of the transaction amount
    6. Unli 0% conversion is a non-rewards point/cash/rebate/Airmile earning transaction.
    7. Cash Advance, Cash Loan, YourCash, Balance Transfer, Balance Conversion, and casino/gambling transactions are excluded for Unli 0% conversion.
    8. In cases of suspension, cancellation and/or non-renewal of the RCBC Credit Card due to non-payment or breach of any of the Terms and Conditions governing the issuance and use of the RCBC Credit Cards, RCBC Credit Cards/RCBC Bankard Services Corp. (RBSC) shall automatically render all the outstanding obligations of the cardholder under the Unli 0% facility due and demandable without the need of prior notice.
    9. Late payment penalty and other charges to be applied by the Unli 0% Installment facility shall be determined by RCBC Credit Cards/RBSC.
    10. The abovementioned terms and conditions for the implementation of the Unli 0% facility may be amended and supplemented by RCBC Credit Cards/RBSC from time to time, as may be deemed necessary.
    1. RCBC Credit Cards' UNLI Installment is a purchase conversion facility that allows principal and supplementary cardholders to convert the following transactions into installment payments:
      1. For Straight Purchase Transactions, available tenor: 6 months to 36 months
      2. For UnliPay Transactions, available tenor: 3 months to 36 months
    1. A very minimal add-on rate per month applies for every straight purchase converted.
    2. Qualified transactions made by the principal and supplementary cardholders within their current or previous month’s cycle are eligible for conversion to UNLI Installment.
    3. The principal cardholder must facilitate the conversion of the transactions of the supplementary cardholders to UNLI Installment.
    4. There is no minimum conversion amount or maximum number of times a cardholder can use this facility.
    5. To avail of the UNLI Installment facility, the principal cardholder can use the RCBC Pulz App and select the transaction/s that will be converted to UNLI Installment. After selecting, a notification will appear to confirm whether the conversion was successful.
    6. For UNLI Installment conversions requested through Customer Service hotline or e-mail, a ₱250 processing fee will apply for each transaction request.
    7. The computation of monthly amortization displayed in the RCBC Pulz App is indicative and for illustration purposes. The actual monthly amortization posted by the System may vary slightly.
    8. Monthly interest rate, late payment penalty and other charges to be applied by the Unli Installment facility shall be determined by RCBC Credit Cards/RBSC.
    9. In cases of suspension, cancellation and/or non-renewal of the RCBC Credit Card due to non-payment or breach of any of the Terms and Conditions governing the issuance and use of the RCBC Credit Card, RCBC Credit Cards/RBSC shall automatically render all the outstanding obligations of the cardholder under the UNLI Installment facility due and demandable without the need of prior notice.
    10. The abovementioned terms and conditions for the implementation of the UNLI Installment facility may be amended and supplemented by RCBC Credit Cards/RBSC from time to time, as may be deemed necessary.