Virtual Card

Activate your Virtual Card and shop or pay utility bills online right away!

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Ready to activate your Virtual Card?
Input the Reference Code sent via SMS to your registered mobile number.
As we turn into online shopping now more than ever, we’re giving you what you want and need – instant purchasing power.
Simply request for a web shopper or apply for a ZALORA Credit Card, and once your request is approved, a Virtual Card will be instantly issued to you so you can immediately make purchases or pay utility bills online. No physical card required!


Secure, Fast Issuance

Your Virtual Card will be issued the next day after your request for a web shopper is approved. An SMS will be sent to you containing a unique link for card activation.


Online Card Activation

Activate your Virtual Card with just a few taps and use it right away!



Keep it temporarily or for life. Your choice.

Your Virtual Card is valid for 90 days but you have the option to keep it forever so you can continue to enjoy safe online shopping experience!


Best Deals at your fingertips

Enjoy the latest online deals on shopping, essentials, food delivery, installment, and more!

A Virtual Card will be automatically issued to new ZALORA Credit Cardholders. For new and existing RCBC Mastercard or Visa Credit Cardholders, you can request for a free Virtual Card by simply calling (02) 8888-1888 or sending an email to email@service.rcbcbankard.com.






Terms & Conditions


  1. The RCBC Credit Card Virtual Card is a reference device intended for use by cardholders in doing non-face-to-face (Internet, Mail Order, Telephone Order, etc.) transactions only and shall not be valid when handed directly to a merchant in a normal face-to-face environment. Similarly, this reference device is not valid for dual-mode transactions (i.e. Rent-a-Car or Hotel Bookings) whereby an initial non-face-to-face transaction is made but followed by a face-to-face transaction with a merchant for the same account or service.
  2. The RCBC Credit Card Virtual Card is provided as a companion card of any peso RCBC Credit Card regular card and is linked to the regular RCBC Credit Card’s credit limit. A pre-assigned sub-limit linked to the regular RCBC Credit Card credit limit will be issued. Whenever a principal cardholder or his/her supplementary uses his/her RCBC Credit Card Virtual Card, the regular credit limit will be reduced. The cardholder hereby holds RCBC Credit Card free and harmless from any liability in the event the internet transaction is disapproved because of the RCBC Credit Card Virtual Card sub-limit.
  3. The RCBC Credit Card Virtual Card is automatically cancelled when the principal cardholder cancels his/her regular RCBC Credit Card.
  4. The principal cardholder agrees to receive an SMS advice whenever his/her or his/her supplementary RCBC Credit Card Virtual Card/s is used. Terms and Condition of the Spend Monitor Program shall continue to apply.
  5. The cardholder agrees to be bound by these Terms and Conditions upon receipt and/or use of the RCBC Credit Card Virtual Card. The card number, card validation code 2 number / card verification value 2 and expiry date stated in the reference device are strictly confidential and the cardholder agrees not to disclose these information or cause their disclosure to any person. Any and all transactions using the RCBC Credit Card Virtual Cardshall be conclusively presumed to be made or authorized by the cardholder.
  6. RCBC Credit Card is not responsible or liable to the cardholder if, for any reason/s, the RCBC Credit Card Virtual Card is not honored or accepted by any internet establishment.
  7. For transactions using the RCBC Credit Card Virtual Card, the cardholder will not require RCBC Credit Card and the accredited internet merchants of Mastercard and Visa to issue a charge slip for any and all type of internet transactions. Hence, the cardholder acknowledges that the presentation of the charge slips to prove the transactions in the Statement of Account is not required.
  8. The cardholder’s liability to RCBC Credit Card for the use of the Virtual Card issued to the cardholder is unconditional. The existence of any claim or dispute between the cardholder and any accredited establishment shall not affect the cardholder’s obligation to pay the purchases together with all interest, penalties, fees and other charges incurred thereon, if, any, arising from the use the RCBC Credit Card Virtual Card.
  9. These Terms and Conditions are suppletory to and do not amend the Terms and Conditions Governing the Use of the RCBC Credit Cards, which shall continue to be binding on the cardholder.
  10. In the event of inconsistency between these Terms and Conditions and any brochure, marketing or promotional materials relating to the RCBC Credit Card Virtual Card described herein, these Terms and Conditions and the Terms and Conditions Governing the Use of the RCBC Credit Cards shall prevail.
Explore our FAQs

There are two ways:

  1. Apply for a ZALORA Credit Card through any channel.  Once your card is approved, you will be instantly issued a Virtual Card which you can activate and use online right away without the need to wait for your physical card to arrive!
  2. If you are an RCBC Credit Card Visa or Mastercard cardholder, you may request for a web shopper in 2 ways: (1) call 8888-1888; or (2) send an email to email@service.rcbcbankard.com.Once your web shopper request is approved, you will be instantly issued a Virtual Card which you can activate and use online right away.

An SMS will be sent to you the next day after your web shopper request is approved.

  1. Simply click on the unique link sent to you via SMS and verify your account by providing your information such as Last Name and Date of Birth.
  2. Enter your One-Time Password (OTP) and create your user account.
  3. Activate your Card!

Your Virtual Card is valid for 90 days. It will auto-expire after 90 days but you have the option to keep your Virtual Card permanently so you can continue to enjoy safe online shopping experience!

The Virtual Card can be used in making purchases online in ecommerce websites or apps such as Shopee, Lazada, ZALORA, Spotify, Netflix, etc. and paying utility bills online through the RCBC Online Banking app or any online payment website.

It is intended for use in doing non-face-to-face (Internet, Mail Order, Telephone Order, etc.) transactions only and shall not be valid when handed directly to a merchant in a normal face-to-face environment. Similarly, this reference device is not valid for dual-mode transactions (i.e. Rent-a-Car or Hotel Bookings) whereby an initial non-face-to-face transaction is made but followed by a face-to-face transaction with a merchant for the same account or service.

No. You will no longer receive a physical card version of your Virtual Card. 

Forgot your Virtual Card details? You can access your Virtual Card details at https://online.rcbccredit.com/instant. 

Not at this time but we're working on that. To access your Virtual Card details, please go to https://online.rcbccredit.com/instant and login using your RCBC Credit Card ONLINE credentials.

The credit limit of your RCBC Credit Card Virtual Card is a sublimit of your regular RCBC Credit Card credit card and is preset at ₱30,000.