Special Balance Conversion Offer:
Limited-Time Only
How it works:
- Convert the Outstanding Balance of your RCBC Credit Card into manageable monthly payments:
- 0% Installment for up to 36 months (offer valid from April 13 to July 13, 2026 only); or
- Extended Terms with a low monthly add-on rate of 0.80% for 48, 60, 72, or 84 months
- To avail of this special offer, fill out this online form completely or click the AVAIL NOW button below.
- To help you stay on track with your payments, your Card will be temporarily unavailable for use while your installment plan is active. Once payment conditions are met or the balance is fully settled, your card may be reactivated. Please refer to the Terms & Conditions below for more information.
This offer is available to pre-selected RCBC Credit Cardholders only.
Terms & Conditions:
- The Special Balance Conversion Program is open to select RCBC Credit Card holders who are recipients of the promo electronic direct mail (“EDM”) or SMS regarding this offer.
- With this Special Balance Conversion program, a qualified cardholder can convert his/her total outstanding balance* from 6 months to a maximum installment payment term of 36 months at 0% interest rate (offer valid from April 13 to July 13, 2026 only), or up to 84 months with a low monthly add-on rate of 0.80%.
| TERM | ADD-ON RATE | MONTHLY EFFECTIVE
INTEREST RATE |
| 6 | 0% | 0% |
| 9 | 0% | 0% |
| 12 | 0% | 0% |
| 18 | 0% | 0% |
| 24 | 0% | 0% |
| 36 | 0% | 0% |
| 48 | 0.80% | 1.4140% |
| 60 | 0.80% | 1.3880% |
| 72 | 0.80% | 1.3640% |
| 84 | 0.80% | 1.3400% |
*The total outstanding balance refers to posted transactions during the approval period.
- Any unposted transaction or installment payments that the cardholder explicitly requests to be excluded will not be included in the Special Balance Conversion Program, and will be referred to as non-converted transactions.
- The cardholder must immediately settle the first monthly amortization on the nearest due date following his/her cut-off period. The posting of the 1st monthly amortization might be earlier than 1 month if the cardholder has applied on or before the cycle date of the credit card. (For example: Cardholder applies on August 14 and the cycle date is on August 15, the first monthly amortization will be posted in the Statement Of Account that will be generated on August 15 cycle date).
- The computation is for illustration purposes. Actual monthly amortization posted by the System may slightly vary in amount since it will be based on the cardholder’s account’s cut-off date.
- Any unpaid statement balance will be subject to interest as indicated in the Terms and Conditions governing the issuance and use of RCBC Credit Cards.
- Once the cardholder enters into the Special Balance Conversion program, his/her account/s shall be suspended.
- The cardholder’s account will be re-activated in accordance with the table below or if he/she decides to pre-terminate and fully settle the balance (whichever comes first). Credit limit will also be reduced after posting the last amortization prior reactivation.
| Tenor | Payment Requirement for Reactivation |
| 6 | Full payment |
| 9 | Full payment |
| 12 | Full payment |
| 18 | at least 12 months of continuous payment of
greater than or equal to monthly amortization* |
| 24 | at least 12 months of continuous payment of
greater than or equal to monthly amortization* |
| 36 | at least 18 months of continuous payment of
greater than or equal to monthly amortization* |
| 48 | at least 24 months of continuous payment of greater than or equal to monthly amortization* |
| 60 | at least 24 months of continuous payment of greater than or equal to monthly amortization* |
| 72 | at least 24 months of continuous payment of greater than or equal to monthly amortization* |
| 84 | at least 24 months of continuous payment of greater than or equal to monthly amortization* |
*In cases where the monthly amortization is covered by excess payments, payment requirement should be at least equivalent to the total expected payments for that tenor. (For example: If the monthly amortization is Php10,000 at 18 months tenor, the cardholder is expected to pay at least Php10,000 x 12 = Php120,000 to be reactivated).
- If the cardholder has multiple credit cards, the Special Balance Conversion offer may apply to all cards, subject to review by the bank, unless the cardholder prefers to apply the conversion to a certain card only.
