Chat with Erica

Ready to assist you 24/7.

Meet Erica, your RCBC Credit Card interactive customer service assistant.
She can assist you with things like:

Providing your card details

Erica can get your account information such as available limit, balances, and last payment details - instantly, anytime!

Card Activation

Got a new, renewed, or replacement card? Erica can help you with card activation!

Redeeming your Rewards PointsNEW

It only takes one chat with Erica to redeem your Rewards Points* for Shopping Vouchers or AIRMILES!

*Applicable to eligible RCBC Credit Card types only

Card Application

Erica can also assist you with your credit card application.

Staying Informed

Ask Erica to check the latest promos so you're sure you get the best deals on shopping, dining, online, installment, and more!

How to start a conversation with Erica?

via Website

Go to our website and click on Erica's icon in the bottom right-hand corner. Start a conversation by asking a question or choosing a category from the selection.

via Messenger

Go to or search for "Chat with Erica" on Messenger.

a. “RCBC” is Rizal Commercial Banking Corporation, issuer of the Card; and “RCBC Credit Cards/RCBC Bankard Services Corporation (RBSC)”, the entity servicing the credit card business of RCBC and implementing all actions pertaining to the RCBC credit cards for and on behalf of RCBC.
b. The word “Credit Card/s/Card/s” refers to RCBC Mastercard, RCBC VISA, RCBC JCB, and RCBC UnionPay Credit Card issued by RCBC through RCBC Credit Cards in the cardholders’ and all other extensions in cardholder’s name.
c. The term “CLIENT” hereunder will refer to all users of Erica. The “RCBC Credit Cardholder/Cardholder” shall refer to the cardholder whose name is embossed on the Card.
d. The RCBC Credit Card Chatbot shall be referred to as “Erica” that can be accessed via RCBC Credit Card’s website and Chat with Erica Messenger page.
e. By using the Erica, the CLIENT agrees to the following terms and conditions in addition to those contained in RCBC Credit Cards Application Form and other contracts which the CLIENT signed when he/she opened his/her account(s).

a. To access Erica, the CLIENT must go to the RCBC Credit website ( and Chat with Erica via Facebook/Messenger at ( and open the messaging platform. CLIENT will be asked to accept these Terms and Conditions and provide the required Security Information for every applicable feature and request.
b. Erica allows RCBC Credit Cardholders to access their authorized and/or eligible accounts via website ( and Chat with Erica via Facebook/Messenger ( Client will undergo an authentication process whenever he/she accesses his account. Only active RCBC Credit Cardholders can use the transactional features of Erica.
c. By utilizing Erica, the CLIENT hereby warrants that all information provided to RCBC Credit Cards are true, complete, and up to date. The CLIENT acknowledges that his/her nominated email address and/or mobile phone number maintained in RCBC Credit Cards records are active and valid and shall be where all enrollment, password-related information, and other online correspondences will be sent by RCBC Credit Cards. Any update in CLIENT information in RCBC Credit Cards records may be made by calling RCBC Credit Cards Customer hotline at (02)8888-1888.
d. The CLIENT hereby warrants that Erica is for the sole and exclusive use of the CLIENT.

3. One-Time Password (OTP)
a. The OTP is a unique code to be sent by SMS to the CLIENT's registered mobile number each time the CLIENT utilizes Erica for transactional or account-related inquiries.
b. The CLIENT acknowledges that any Card number and OTP (the "Security Information") used in Erica is unique to himself/herself and agrees to keep these strictly confidential at all times.
c. The CLIENT shall exercise reasonable care and diligence and is responsible for the confidentiality of the Security Information. The CLIENT shall not disclose the Security Information to any person. Any transaction performed or consummated through the use of the Security Information shall be charged to the CLIENT's Card account.
d. The entry of three (3) successive invalid or incorrect Security Information will lock out the CLIENT's access to the transactional features of Erica and CLIENT may reattempt use of the transactional features of Erica after 24 hours.

4. Account-Related Chatbot Transactions
a.Account Inquiry: Account information may indicate the balance as of system date or as of the last batch process, or as of the last statement date.
b. Bills Payment On-demand and Auto-Charge: Existing terms and conditions of the RCBC Credit Cards' Fast BillsPay facility shall apply.
c. Rewards Redemption:
      1. Mastercard Pay with Rewards is available to principal World Mastercard Cardholders only.
      2. Vouchers and Airmiles redemption are available to select Credit Card products only.
      3. Existing terms and conditions of the RCBC Credit Card Rewards program shall apply.
d. Activate Credit Card: An OTP shall be required to activate a Credit Card. The OTP shall be sent to the registered mobile number of the principal Cardholder regardless if the Card for activation is a principal or supplementary account.
e. Apply for a New Card: The CLIENT shall be redirected to the RCBC Credit Card online card application website.
f. View Promotions: The CLIENT shall be redirected to the RCBC Credit Card promotion page.
For the avoidance of doubt, the Terms and Conditions of the Credit Card will still be applicable in relation to any issuance or use of an RCBC Credit Card.

5. CLIENT's Responsibilities
a. The CLIENT shall provide security information such as Credit Card number and OTP as RCBC Credit Cards may reasonably require in order to provide the services hereunder. The CLIENT warrants that all information to be provided is accurate, complete, and up to date.
b. The CLIENT shall keep all personal data private and shall not disclose the same to unauthorized persons.
c. The CLIENT shall keep records of his/her transactions, review, and reconcile his/her transactions history details and statements for any errors. Unauthorized entries or transactions should immediately be reported to RCBC Credit Cards.
d. The CLIENT undertakes to notify RCBC Credit Cards immediately of any failure or delay in execution of instructions through the use of Erica, by emailing RCBC Credit Cards Customer Service at or calling the hotline at (02)8888-1888.
e. The CLIENT undertakes and warrants that his/her use of Erica, such as bills payment, does not and will not violate the applicable provisions of the rules of the Bangko Sentral ng Pilipinas, Anti-Money Laundering Act, its amendments and other pertinent laws, government rules or regulations.
f. The CLIENT hereby authorizes RCBC Credit Cards or its duly authorized personnel to disclose personal data of any of the offices, branches, subsidiaries, agents, and representatives of RCBC Credit Cards and third parties selected by any of them, wherever situated, for use in connection with the provision of any service or product relating to the CLIENT's account(s) (including data processing and storage, anti-money laundering monitoring, reviewing and reporting, statistical and risk analysis purposes). In addition to the foregoing, the CLIENT hereby authorizes RCBC Credit Cards and any branch, subsidiary, affiliate, agent, representative, third party or its duly authorized personnel to transfer or disclose to the Bangko Sentral ng Pilipinas, Anti-Money Laundering Council, Bureau of Internal Revenue, the U.S. IRS, or such other relevant regulatory agency and their duly authorized representatives, any information in relation to the Account/s with RCBC Credit Cards as may be required by law, regulation, or agreement.
Likewise, the CLIENT hereby authorizes RCBC Credit Cards or its duly authorized personnel to disclose to its foreign and local correspondent banks the information specified herein (and such other additional information provided to RCBC Credit Cards by the CLIENT) for purposes of satisfying the requirements of the latter in relation to the processing, anti-money-laundering monitoring review, investigation, and audit of the transactions on the CLIENT's present and future accounts.
Likewise, the CLIENT hereby authorizes RCBC Credit Cards or its duly authorized personnel to disclose to third-party tie-ups and other institutions if the client avails of this channel. The CLIENT agrees to indemnify and hold RCBC Credit Cards free and harmless, including its officers, directors, employees, and representatives, against any and all disputes, claims, demands, losses, penalties, liabilities, costs, and expenses of any kind whatsoever, imposed on, incurred by or assessed against the CLIENT in respect of or in connection with the information provided in relation to the accounts, the disclosure of such documents and information on the accounts, and the consent herein granted.
g. It is agreed and understood that any disclosure of the CLIENT’s account information other than by RCBC Credit Cards as aforestated by reason or as a result of the CLIENT’s access or use of Erica should not be considered as, and cannot be the basis of prosecution for, violation by RCBC or RCBC Credit Cards of the Secrecy of Bank Deposits law.

6. CLIENT's Liability
a. The CLIENT shall be responsible for all consequences arising from or in connection with his/her use of Erica, such as but not limited to, all transactions processed through Erica whether or not processed with the CLIENT's knowledge or authority.
b. The CLIENT undertakes to ensure, and accepts full responsibility, for keying in the correct account number/s, amounts, and other pertinent details of the transaction/s initiated through Erica. In no case shall RCBC Credit Cards be liable for any erroneous transaction/s arising out of or relating to the CLIENT's providing wrong information through Erica.
c. The CLIENT agrees to hold RCBCCredit Cards and/or any of its directors, officers, employees or representatives free and harmless, from any and all claims, suits, damages, costs, liabilities, charges, obligations, or expenses of any kind and shall indemnify them upon demand for all losses, damages and expenses they may suffer or incur, arising from or in connection with the CLIENT's violation of its undertakings and warranties herein or from the use of Erica, unless such losses, damages and expenses are due to RCBC Credit Cards gross negligence or willful default.

7. RCBC Credit Cards' Liability
a. RCBC Credit Cards shall only be obliged to act on any instructions received with the use of the Security Information.
b. RCBC Credit Cards represents that it has applied a range of security controls to protect its system from unauthorized access. Nonetheless, RCBC Credit Cards makes no representations or warranties as the security of any information, transaction, or instruction transmitted through Erica. RCBC Credit Cards shall not be responsible for any loss or misuse of security information or any other information, or any loss or damage suffered or incurred by the CLIENT arising from or in connection with its electronic transmission of instruction, transaction or information, notwithstanding the employment by the CLIENT of any additional security layer that may be made available to the CLIENT.
c. Except if due to the gross negligence or willful default of RCBC Credit Cards, and only to the extent of direct loss and damage arising directly and solely therefrom or the amount of the transaction (whichever is less), neither RCBC Credit Cards and/or its directors, officers, employees or representatives assumes any liability or responsibility to the CLIENT or any other person for:
i. Use of Erica
ii. Any interruption, suspension, delay, loss, unavailability or any other failure to access Erica whether due to maintenance work, network or systems failure, act or omission of third-party service providers, malfunction, power failure, breakdown or inadequacy of equipment or any other causes beyond the reasonable control of RCBCRCBC Credit Cards, or any law, regulation, government or court order;
iii. Disruption, failure or delay relating to or in connection with Credit Card transactions due to circumstances beyond the control of RCBC Credit Cards, fortuitous events such as, but not limited to, prolonged power outages, breakdown in computers and communication facilities, typhoons, floods, public disturbances and calamities and other similar or related cases;
iv. Loss or damage which the CLIENT may suffer arising out of any fraudulent or unauthorized utilization of Erica due to theft or unauthorized use of his/her email or phone and/or unauthorized disclosure of the Security Information and/or violation of other security measures with or without the CLIENT's participation and/or arising out of authorized use of Erica and/or security breaches or account compromise on third-party platforms where Erica may be accessed e.g. Facebook Messenger, Viber etc
v. Inaccurate, incomplete, or delayed information received due to disruption or failure of any communication facilities used for Erica;
vi. Improper, unauthorized use of Erica or recklessness or accident in connection thereof;
vii. Any adverse consequences whatsoever on the CLIENT's connection to, or use of, the internet, and shall not be responsible for the CLIENT's use of an internet connection in violation of any law, rule, or regulation or violation of the intellectual property rights of another;
d. In case of any dispute between the CLIENT with a third party to whom payment or transfer of funds is effected through Erica , RCBC Credit Cards shall not be answerable to either the CLIENT or any third party for any amounts, fees, or charges in connection with such dispute. The CLIENT hereby acknowledges that such dispute is personal between him/her and the third party;
e. RCBC Credit Cards shall not be liable for any indirect, incidental, or consequential loss, loss of profit, or damage that the CLIENT may suffer by reason of the use or failure or inability to use Erica. This provision shall survive the termination or suspension of the right to use Erica.
f. RCBC Credit Cards makes no warranties regarding:
i. CLIENT’s ability to use Erica,
ii. CLIENT’s’ satisfaction with Erica,
iii. that Erica will be available at all times, uninterrupted, and error-free, and
iv. that bugs or errors in Erica will be corrected immediately.

8. Amendments
RCBC Credit Cards shall have the absolute discretion to amend or supplement any of the terms and conditions pertaining to Erica at any time, subject to applicable notice requirements. The CLIENT is responsible for regularly reviewing these Terms and Conditions including amendments thereto as may be posted on RCBC Credit Cards' website or in Erica facility.
By continuing to use Erica, the CLIENT shall be deemed to have accepted the amended Terms and Conditions.

9. Privacy Policy
The CLIENT understands and agrees that RCBC Credit Cards can process the CLIENT's data for purposes not contrary to the Data Privacy Act of 2012, its implementing rules and regulations, and other issuances of the National Privacy Commission. The CLIENT further agrees and consents to the Data Privacy Notice of RCBC Credit Cards.

10. Miscellaneous
a. The CLIENT understands and agrees that, use of or connection to the internet is inherently insecure, and that such a connection provides an opportunity for unauthorized access by third parties to the CLIENT's computer systems, networks and any and all information stored therein. All information transmitted and received through the internet is subject to unauthorized interception, diversion, corruption, loss, access, and disclosure. RCBC/RCBC Credit Cards shall not be liable for any adverse consequences whatsoever on the CLIENT's connection to, or use of, the internet, and shall not be responsible for the CLIENT's use of an internet connection in violation of any law, rule, or regulation or violation of the intellectual property rights of another.
b. All records maintained by RCBC Credit Cards, whether in electronic or documentary form, of the transactions or instructions of the CLIENT, and any other details in the availment of banking channels shall, through and pursuant to Erica shall, as against the CLIENT, be deemed to be conclusive.
c.RCBC Credit Cards may suspend or withdraw the availability, partially or in full, of Erica, with or without cause, without need for notice or consent of the CLIENT if at any time RCBC Credit Cards deems it necessary.
d. Customer Concerns: For any clarifications, concerns, or complaints in using Erica, please contact the RCBC Credit Cards Customer Service. RCBC Credit Cards may require that the CLIENT send to us in writing, via email at and within twenty four (24) hours, the concern and/or complaint.
e. CLIENT hereby acknowledges and agrees that all notices and reminders via email or SMS, to his/her registered email address or mobile number, on record with RCBC Credit Cards, are hereby deemed delivered after the lapse of thirty (30)days from the date of transmittal thereof.
f. Each of the provisions of these Terms and Conditions is severable. If any or some of the terms and conditions is declared invalid or unenforceable, the rest of the provisions will not be affected thereby.
g. No failure to exercise and no delay in exercising, on the part of RCBC Credit Cards, of any right, power or privilege hereunder shall operate as a waiver thereof, nor shall any single or partial exercise of any right, power or privilege preclude any other or further exercise thereof, or the exercise of any other right or power. The rights and remedies herein provided shall be cumulative, may be exercised concurrently and shall not be exclusive of any rights or remedies of RCBC Credit Cards hereunder or granted by law.

By using Erica, you, the CLIENT, acknowledge that you have read and understood theseTerms and Conditions, and that you, the CLIENT, agree to be unconditionally bound by these terms and conditions, and all amendments and additions thereto which RCBC Credit Cards may effect from time to time.

Explore our FAQs

Erica is a chatbot that will always be available to help you with account inquiry, card activation, and card application.

There are 2 ways: (1) via our website and (2) via Messenger at or search for "Chat with Erica" on Messenger.

Your interactions with Erica are secure and private. Erica has the same security features as the RCBC Bankard ONLINE and RCBC Pulz App.

Yes. To allow Erica to assist you with your inquiries, you will be asked to authenticate your account through a secure portal where you will need to enter your 16-digit card number and One-Time Password (OTP) sent through your registered mobile number.

We’re sorry to hear that. Erica is still in training and can only answer specific questions so please bear with her. We can assure you that we are constantly working to improve its capability over time.

To connect with a live agent, please go to instead or call us at 8888-1888 for queries that require immediate action.