Cash Loan + FREE ₱1,000 CASHBACK or American Tourister Backpack/Luggage


Here's how:

Avail of a minimum ₱150,000 CASH LOAN with a loan term of at least 12 months. To avail, enter the Reference Code sent to you via SMS then click PROCEED and/or copy and paste the unique link in the EDM.

Once approved, your Cash Loan will be credited to your nominated account within 3 to 5 days.



Rates

Terms
Add-On Rate per Month
Effective Interest Rate
Annualized Rate
3
1.00%
1.4930%17.9160%
6
1.00%1.6910%20.2920%
9
1.00%1.7600%21.1200%
12
1.00%1.7890%21.4680%
18
1.00%1.8040%21.6480%
24
1.00%1.7980%21.5760%
36
1.00%1.7670%21.2040%
48
1.00%1.7300% 20.7600%
601.00%1.6930%20.3160%

PROMO MECHANICS

  1. The FREE P1,000 CASHBACK or American Tourister Backpack/Luggage ("Promo") is open to select RCBC Credit cardholders ("qualified cardholders") who are recipients of the promo SMS and Electronic Direct Mail (“EDM”).
  2. To avail, the qualified cardholder must apply for a Cash Loan online through the unique reference code sent via SMS or application link indicated in the EDM, from February 18 to 28, 2025 (“Promo Period”). By availing of the offer, the cardholder agrees to receive SMS/text messages and freely consents to process his/her personal information concerning the/ promo.
  3. Cardholders must avail of a minimum of ₱150,000 CASH LOAN and at least a loan term of 12 months, maximum of 60 months, to qualify for the offer. The reward that a cardholder can receive depends on the CASH LOAN AMOUNT, as indicated in the table below:
CASH LOAN AMOUNTREWARDS
₱150,000 to < ₱250,000₱1,000 Cashback
₱250,000 to < ₱500,000American Tourister Backpack
₱500,000 to < ₱750,000American Tourister Small Luggage
₱750,000 to < ₱1,000,000American Tourister Medium Luggage
₱1,000,000 & upAmerican Tourister Large Luggage
  1. Offer is not applicable to 3, 6, & 9 months terms and Cash Loan availment thru other channels.
  2. Qualified cardholder will receive a notification via SMS that he/she is entitled to receive the reward on or before March 20, 2025.

5.1. The cashback will be credited to the qualified cardholder’s account within 10 business days from receipt of the SMS notification
5.2. The American Tourister Backpack/Luggage will be delivered to the cardholder’s billing address on file within 15 business days from receipt of SMS notification. The delivery is free of charge until the 2nd attempt. Redelivery charge shall be applied if courier is unable to successfully deliver the item. Cost for redelivery is between P400 to P1,000 depending on the exact location.

  • NCR – ₱400
  • Luzon & Visayas – ₱450 to ₱550
  • Mindanao – ₱1,000
  1. Splitting of transaction is not allowed. Multiple availments within the promo period using one account will be considered splitting.
  2. RCBC Credit Card reserves the right to charge the cost of the reward/item against the cardholder’s credit card should he/she cancel his/her qualified loan transaction or if availment is found to be fraudulent.
  3. The offer cannot be exchanged for cash, rewards points, or products other than the offer indicated above.
  4. Promo is not valid in conjunction with other offers of RCBC Credit Card.
  5. All questions and concerns in relation to the Promo will only be accommodated within 30 days from end of promo period.
  6. In case of dispute with regard to the customer’s eligibility and availment of the promo, the decision of RCBC Credit Card with the concurrence of DTI shall be considered final.

DTI Fair Trade Permit No. FTEB-215042 Series of 2025

  1. RCBC Credit Card’s Cash Loan facility allows select and pre-qualified RCBC Credit Card Principal credit cardholders of good credit standing to convert a portion of their available credit limit to cash.
  2. A Cash Loan availment can be paid in installment terms from 3 to 60 months based on the prevailing Cash Loan interest rates. Applicable rates and terms may vary per offer, per cardholder.
  3. A cardholder can apply for a Cash Loan through any of the following:
    1. Calling the RCBC Credit CardCustomer Service hotline at (02) 8888-1883 for Premium cardholders and (02) 8888-1888 for Non-Premium cardholders.
    2. If sent an offer via e-mail or SMS link, clicking on the link and completing the application as instructed.
    3. If offer is received via Outbound call, confirming acceptance of Cash Loan offer. Note that all calls are recorded for reference.
  4. The loanable amount for Cash Loan will be based on the cardholder’s available credit limit (but not to exceed 90% of available credit limit to allow buffer for applicable interest and fees). Minimum Cash Loan transaction amount is Php10,000 and the maximum is Php500,000.
  5. RCBC Credit Card reserves the right to approve or reject applications for Cash Loan and has no obligation to disclose reasons for the rejection or disapproval of Cash Loan requests. RCBC Credit Card has the sole discretion to approve only a portion of the amount applied for.
  6. A Cash Loan application can no longer be cancelled once approved.
  7. The approved Cash Loan amount is automatically deducted from the cardholder’s available credit limit.
  8. Upon approval of the Cash Loan application, RCBC Credit Card can (a) deliver the check directly to the cardholder’s registered billing address; (b) credit the cash loan proceeds to the cardholder’s RCBC bank account or (c) credit the cash loan proceeds to a non-RCBC bank account. For Cash Loan proceeds that will be disbursed to a non-RCBC account, RCBC Credit Card can: a) deposit the check to the cardholder’s indicated bank account provided the account name matches the cardholder’s name in the system, or b) credit the proceeds through a PESONet fund transfer. The cardholder will hold RCBC/RCBC Credit Card free and harmless for any error in the crediting of the Cash Loan proceeds when the same is made to the account number that the cardholder has provided.
  9. A one-time processing fee of Php250 will be charged to the cardholder’s account if preferred cash disbursement is through RCBC bank deposit. For non-RCBC bank deposit, PESONet funds transfer, or check delivery, the cardholder will be charged Php350. The processing fee will not be deducted from the Cash Loan proceeds and will be posted on the nearest statement date.
  10. In case cardholder provides an invalid deposit account number, a reprocessing fee of Php150 shall be charged to the cardholder in order to reprocess the Cash Loan fund disbursement. The reprocessing fee will not be deducted from the Cash Loan proceeds and will be posted on the nearest statement date. The computation of interest and principal components of the monthly installment shall be based on diminishing balance computation, and the interest and principal portions will not be equal from month to month.
  11. For all loan installment availments including Cash Loan, the first amortization shall be deferred for up to 31 days from the date of loan disbursement. An Extra Interest equivalent to the initial interest will be collected from the cardholder due to the longer payment period provided in order to repay the Principal Amount.
  12. The Extra Interest is computed by multiplying the Principal Amount with the applicable monthly Effective Interest Rate (EIR) and then dividing the amount by a fixed 30 days. The total amount would then be multiplied with the actual number of days within the posting month.
  13. The Extra Interest will be part of the first monthly amortization.
  14. The Monthly Installment Amount is computed by using a monthly factor rate that is applied on the Principal Amount and Extra Interest. The monthly factor rate is based on EIR and term of the loan and used as a guide in deriving the Monthly Installment Amount. Sample illustration of the Monthly Installment Amount is as follows:
    Loan term: 3 months
    Amount: 10,000.00
    EIR: 2.2330%


  1. If the cardholder decides to pre-terminate or pay the Cash Loan installment plan in full before maturity, a pre-termination fee of Php 500.00 or 5% of the unpaid principal amount (whichever is higher) will be charged.
  2. Cash Loan availments and its monthly amortizations are non-reward points earning.
  3. 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 Card shall automatically render all the outstanding obligations of the cardholder under the RCBC Credit Card Cash Loan facility due and demandable without need of prior notice.
  4. Monthly interest rate, late payment penalty and other charges to be applied to the Cash Loan facility shall be determined by RCBC Credit Card.
  5. The abovementioned Terms and Conditions for the implementation of the RCBC Credit Card Cash Loan facility may be amended and supplemented by RCBC Credit Card from time to time, as may be deemed necessary.

Enhanced Implementation of the Truth in Lending Act (Republic Act 3765)

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.