RCBC InstaCash + FREE Gift


Here's how:

Convert the available limit of your RCBC Credit Card with RCBC InstaCash! Avail of a minimum loan amount of ₱200,000 with flexible terms of at least 12 months.

To apply for RCBC InstaCash, enter your unique Reference Code sent to you via SMS then click PROCEED — or simply copy and paste the unique link from the eDM.

PROMO MECHANICS

  1. The RCBC InstaCash + Gift ("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 RCBC InstaCash online through the unique reference code sent via SMS or application link indicated in the EDM, from September 15 to 30, 2025 (“Promo Period”). By availing of the offer, the cardholder agrees to receive SMS/text messages and freely consents to process their personal information concerning the promo.
  3. To qualify for the offer, the cardholder must avail of at least ₱200,000 loan amount with a loan term of at least 12 months, maximum of 60 months. Eligible cardholders may select their preferred reward based on the applicable loan amount bracket as indicated below:
RCBC INSTACASH AMOUNTGIFT (Choose one)
₱200,000 to
< ₱400,000		₱2,000 Cashback or
₱2,000 Power Mac Center eGC
₱400,000 to
< ₱600,000		American Tourister Backpack or
₱4,000 Power Mac Center eGC
₱600,000 to
< ₱800,000		American Tourister Small Luggage or
₱6,000 Power Mac Center eGC
₱800,000 to
< ₱1,000,000		American Tourister Medium Luggage or
₱8,000 Power Mac Center eGC
₱1,000,000 & upAmerican Tourister Large Luggage or
₱10,000 Power Mac Center eGC
  1. Offer is not applicable to 3, 6, & 9 months terms and RCBC InstaCash availment through other channels.
  2. Splitting of transaction is not allowed. Multiple availments within the promo period using one account will be considered splitting.
  3. RCBC Credit cardholders who have successfully submitted their RCBC InstaCash application online, must fill out the online redemption form (click here to redeem) until October 10, 2025.
    1. RCBC Credit cardholders must provide the following:
        • Card Embossed Name
        • First 8 & Last 4 Digits of the Card
        • RCBC InstaCash Amount
        • Preferred Reward

          *American Tourister Backpack or Luggage will be delivered to the cardholder’s billing address on file. By accomplishing the redemption form, the cardholder agrees to share his/her NAME, MOBILE NO., and ADDRESS with the partner merchant and their courier.

    2. RCBC Credit cardholders who have qualified for the reward and successfully submitted the redemption form on or before October 10, 2025 will receive an SMS notification on or before October 30, 2025.
  4. 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.
  5. The offer cannot be exchanged for cash, rewards points, or products other than the offer indicated above.
  6. Promo is not valid in conjunction with other offers of RCBC Credit Card.
  7. All questions and concerns in relation to the Promo will only be accommodated within 30 days from end of promo period.
  8. 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.

REDEMPTION

A. CASHBACK

  1. The CASHBACK will be credited to the qualified cardholder’s RCBC Credit Card.
  2. The CASHBACK is non-transferable and cannot be exchanged for cash or rewards points. It is treated as a credit or payment for purchases or any outstanding balance

B. AMERICAN TOURISTER BACKPACK/LUGGAGE

  1. The reward will be delivered to the cardholder’s billing address on file.
  2. The delivery is free of charge until the 2nd attempt. Redelivery charge shall be applied if the courier is unable to successfully deliver the item for the 3rd time.
  3. Cost for redelivery is between ₱1,000 to ₱4,000 depending on the size of the item and exact location.
  4. In case the cardholder is not available upon delivery, an authorized representative may receive the reward on his/her behalf.

C. POWER MAC CENTER EGC

  1. The Power Mac Center eGC will be in a form of a code and will be sent to the qualified cardholder’s mobile number on
  2. To redeem, the Power Mac Center eGC must be presented at the counter of any participating Power Mac Center or The Loop branch.
  3. The Power Mac Center eGC must be fully consumed in one transaction and can only be used for in-store purchases.
  4. The Power Mac Center eGC has no expiry.
  5. The Power Mac Center eGC can be used on selected and applicable promos only.

DTI Fair Trade Permit No. FTEB-236536, Series of 2025

  1. RCBC InstaCash 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. An RCBC InstaCash availment can be paid in installment terms from 3 to 60 months based on the prevailing RCBC InstaCash interest rates. Applicable rates and terms may vary per offer, per cardholder.
  3. A cardholder can apply for an RCBC InstaCash through any of the following:
    1. Calling the RCBC Credit Card Customer 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 RCBC InstaCash offer. Note that all calls are recorded for reference.
  4. The loanable amount for RCBC InstaCash 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 RCBC InstaCash transaction amount is Php10,000 and the maximum is Php5,000,000.
  5. RCBC Credit Card reserves the right to approve or reject applications for RCBC InstaCash and has no obligation to disclose reasons for the rejection or disapproval of RCBC InstaCash requests. RCBC Credit Card has the sole discretion to approve only a portion of the amount applied for.
  6. An RCBC InstaCash application can no longer be cancelled once approved.
  7. The approved RCBC InstaCash amount is automatically deducted from the cardholder’s available credit limit.
  8. Upon approval of the RCBC InstaCash application, RCBC Credit Card can (a) deliver the check directly to the cardholder’s registered billing address; (b) credit the RCBC InstaCash proceeds to the cardholder’s RCBC bank account or (c) credit the RCBC InstaCash proceeds to a non-RCBC bank account. For RCBC InstaCash 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 RCBC InstaCash proceeds when the same is made to the account number that the cardholder has provided.
  9. A one-time processing fee of Php500 will be charged to the cardholder’s account. The processing fee will not be deducted from the RCBC InstaCash 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 RCBC InstaCash fund disbursement. The reprocessing fee will not be deducted from the RCBC InstaCash 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 RCBC InstaCash, 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 RCBC InstaCash 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. RCBC InstaCash 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 InstaCash facility due and demandable without need of prior notice.
  4. Monthly interest rate, late payment penalty and other charges to be applied to the RCBC InstaCash facility shall be determined by RCBC Credit Card.
  5. The abovementioned Terms and Conditions for the implementation of the RCBC InstaCash 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.