Our LOWEST Foreign Currency Conversion Fee ever!


Terms & Conditions:

  1. The LOWEST foreign currency (FX) service fee of 1.68% is valid from August 15 to November 15, 2023.
  2. To enjoy the promo, principal and supplementary Cardholders should use any of the following RCBC Credit Cards for their foreign currency purchases both in-store and online within the promo period:
      • RCBC Mastercard World (including the following variants: Hexagon Priority, World Balesin, World The City Club), Platinum (including the following variants: Black Peso, Black Dollar, Diamond, Hexagon Privilege, YGC Rewards Plus), Gold, Classic, and Corporate
      • RCBC Visa Infinite, Platinum, Gold, Flex Gold, Flex Visa, and YGC Rewards Plus Gold & Classic
      • RCBC JCB Platinum, Gold, and Classic
      • Union Pay Diamond
      • Cobranded Cards: ZALORA, airasia, Landmark Anson’s, Phoenix, MANGO
      • InstaCard
  3. For Peso Cards, all overseas transactions which are charged using the local currency shall be converted to Philippine Peso subject to a Service Fee of 1.68% which represents the Mastercard/Visa/JCB/UnionPay assessment fees and the Bank's service fee. 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.
  4. For Dollar Cards, all overseas transactions which are charged using the local currency shall be converted to US Dollar subject to a Service Fee of 1.68% 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.

DTI Fair Trade Permit No. FTEB-173888, Series of 2023

Read our FAQs

NO. The 1.68% FX Conversion Service Fee Promo is for ALL foreign currency transactions that are converted by RCBC. Once it is converted to Philippine Peso (or USD if your card is a Mastercard Platinum Dollar), the 1.68% FX Conversion Service fee will be applied, which already includes 1% assessment fee charged by the network (i.e. Mastercard/Visa/JCB/UnionPay) and the .68% fee charged by RCBC.

Please note that If you avail of the merchant's offer to convert your transaction to Peso at point of sale (or USD if your card is Mastercard Platinum Dollar), the merchant's foreign currency fee will apply and as such, you will not be able to avail of the 1.68% foreign currency fee promo. Thus, always decline the merchant's offer to convert your transaction to Peso (or USD if your card is Mastercard Platinum Dollar). 

NO. The promo is for all RCBC-issued Credit Cards. For the peso-denominated cards, the 1.68% fee will apply after RCBC converts the transaction to Peso. For dollar-denominated cards, the 1.68% fee will apply after RCBC converts the transaction to USD.

This promo is also open to RCBC Corporate Credit Cards.

NO. The promo is also applicable for purchases from international websites as long as you select to be billed in foreign currency.

The conversion service fee of the Acquirer (the foreign bank) is more than what will be charged by the Issuer (RCBC).

Here’s a sample computation of transactions in Foreign Currency to PHP using the prevailing conversion rate*:


*May vary on daily conversion rates



Register here to avail of this benefit at least 7 days before your scheduled flight.


For cardholders of Gold, Classic, and Co-Branded RCBC Credit Cards, you may access the lounge for US$25.  Know more here.



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Travel privileges vary per card type. Terms & Conditions apply.