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 those made online or overseas, to installments.
  • Enjoy 0% installment for 3 months via UNLI 0% or longer payment terms up to 36 months with minimal interest rate via UNLI Installment.
  • There's no minimum amount for conversion and no maximum number of times you can avail of this feature!


Unli 0%/Unli Installment is available through the RCBC Digital app.
Here's how it works:
  1. After signing in, tap your Card.
  2. Choose the transaction you'd like to convert – you can select from “Recently Posted Transactions” or billed transactions from your latest “Statement of Account”.
  3. Look for the “<” icons.
    Only marked transactions are eligible for conversion.
  4. Tap the chosen transaction, swipe left, and tap “Convert to Installment”.
  5. Select your preferred installment term.
  6. Review the transaction before you click “Convert Now”.
  7. You're done!

Check out the step-by-step guide here.

Don't have the App yet? DOWNLOAD IT NOW.

You can also request Purchase Conversion via Customer Service hotline or email, subject to a processing fee of ₱250 or 1% of the transaction amount, whichever is lower.


Terms and Rates for UNLI Installment
Terms Add-on Rate per Month Effective Interest RateAnnualized Rate
61.00%1.6910%20.29%
91.00%1.7600%21.12%
121.00%1.7890%21.47%
181.00%1.8040%21.65%
241.00%1.7980%21.58%
361.00%1.7670%21.20%
       
  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 Bankard Digital 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 Digital App Below ₱10,000 ₱100
    ₱10,000 to below ₱30,000 ₱200
    Customer Service
    Hotline or Email    		 Below ₱30,000 ₱250
    RCBC Digital 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 their straight purchases into installment over longer payment terms from 6 to 36 months. A very minimal add-on rate per month applies for every straight purchase converted.
  2. Purchases made by the principal and supplementary cardholders within their current or previous month’s cycle are eligible for conversion to Unli Installment.
  3. Conversion of the transactions of the supplementary cardholders must be requested by the principal cardholder. Purchases using RCBC Corporate or Dollar Credit Cards cannot be converted to Unli Installment.
  4. There is no minimum amount for conversion and no maximum number of times that a cardholder can avail of this facility.
  5. For UNLI Installment conversions requested through Customer Service hotline or e-mail, a ₱250 processing fee will apply for each transaction request. To avail of the Unli Installment offer, cardholders can use the RCBC Digital App and select the transaction/s that the cardholder wants to convert to Unli Installment. A Notification will be displayed whether the conversion has been successful or not.
    Disclaimer: The computation of monthly amortization displayed in the RCBC Digital App is indicative and for illustration-purposes. Actual monthly amortization posted by the System may vary.
  6. 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.
  7. 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.
  8. 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.

The State protects its citizens from a lack of awareness of the true cost of credit to the customer by assuring a full disclosure of such cost and other terms and conditions with a view of preventing the uninformed use of credit.

As such, a disclosure statement is a required attachment to the loan contract. It shall include, at a minimum, the following information:

  1. Total amount to be financed
  2. Finance Charges and all others charges incident to the loan
  3. Net proceeds of the loan
  4. Schedule of Payments
  5. The percentage that the finance charge bears to the total amount to be financed expressed as Effective Interest Rate (EIR)
IMPORTANT NOTICE
The borrower has a right to demand a copy of the disclosure statement

Cards with this Benefit