RCBC: Comprehensive Banking Solutions with Innovation, Transparency, and Customer-Centric Services

One of the biggest and most reputable banking companies in the Philippines, RCBC or Rizal Commercial Banking Corporation, has, over the years, established its presence for the wide array of financial solutions it gives. From being established in 1960, RCBC continues to provide banking solutions for its customers-the individuals, small business partners, and corporations-advancing loans, savings, and investments. Serving millions of clients throughout the nation, RCBC products and services has not let its momentum slacken through building up on digital innovation and improving financial inclusion.

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Digital Innovation: RCBC online banking makes it effortless at any time from everywhere because of its easy to use online and mobile banking transactions and processes.

Full Financial Solutions: To accommodate the various needs of individual and business customers, RCBC offers a full range of products such as checking and savings accounts, investments, and loan options.

Dedicated to Financial Inclusion: RCBC caters to underprivileged communities and empowers economies throughout all corners of the Philippines through programs such as DiskarTech.

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RCBC Hotline: +632 8877-7222

RCBC Customer Service Email: customercare@rcbc.com

Address: Yuchengco Tower, RCBC Plaza 6819 Ayala Avenue, Makati City, 0727 Philippines

Official Company Name: Rizal Commercial Banking Corporation

Registration Number: 17514

RCBC Swift Code: RCBCPHMMXXX

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With rewards, cashback, and special benefits on eating, shopping, travel, and other activities, RCBC credit cards provide a variety of choices to suit various lifestyles. For cardholders around the Philippines, RCBC credit cards make money management easy and rewarding with their cutting-edge safety features and adjustable payment schedules.

Features: 

• Flexible Reward Cards: RCBC credit card's offering include customers cash back, reward points, and rebates on their purchases, which will generate for them benefits depending on what they spend.
• Special Promotions and Discounts: Card members can avail themselves of special promotions and discounts on dining, travel, and shopping at partner stores inside and outside the country.
• Enhanced Security Features: An RCBC credit card has a feature called theft-proof fraud protection and EMV chip technology ensuring safe and secure transactions for peace of mind.

RCBC Credit Card Application Requirements:

• Application form
• Government-issued ID with photo and signature
• Age: should be 18 to 65 years old
• Must have a registered mobile number and landline

Required Documents:

• Latest pay slip
• Certificate of employment
• ITR

RCBC Visa Platinum

The RCBC Visa Platinum card, which offers high credit limits and exclusive benefits all over the world, is intended for premium cardholders. Along with access to upscale benefits like travel insurance and airport lounge access, it offers substantial rewards points on purchases. This card serves customers looking for a high-end banking experience with its improved secure features and global acceptance.

• Minimum Annual Income: PHP1,200,000
• Annual Fee: PHP5,000
  

Key Features:

• Earn 1 preferred air mile for every PHP25 for overseas or PHP48 local spend
• e-Commerce Purchase Protection of up to $1,000 per claim per year
• Free  Travel Insurance of up to PHP5,000,000 and Purchase Protection

RCBC Gold Mastercard

The RCBC Gold Mastercard is intended for people looking for special benefits and flexible rewards. In addition to complimentary travel insurance and purchase protection for extra security, it gives non-expiring rewards points that can be exchanged for money, air miles, and retail vouchers. It is perfect for frequent travelers because cardholders also get benefits like access to airport lounges.

• Minimum Annual Income: PHP600,000
• Annual Fee: PHP3,000

Key Features:

• Exchange points earned for air miles
• Free Travel Insurance (Travel Plus Lite) & Purchase Protection for international transactions & travels
• Convenient and rewarding utility bills payment

Other RCBC Credit Card Available

• RCBC Flex Gold Visa
• RCBC Classic Mastercard
• RCBC JCB Platinum

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RCBC Personal Loan 

The RCBC Personal Loan offers flexible financing making it ideal for various personal needs like education, travel, or emergencies.

• Interest Rate: 25.60% maximum annual rate
• Approved Amount: PHP50,000 to PHP1,000,000
• Tenure: 6 to 36 months
• Approval Duration: 5-7 days

BPI Personal Loan Requirements:

• Government-issued valid ID
• Self employed - latest ITR, business permit
• Employed - COE, utility bill
• Age: 21-65 years old
• Must have stable source of income - employed: PHP30,000; self-employed: PHP100,000

RCBC Home Loan

The RCBC Home Loan offers flexible financing for purchasing, building, or renovating a home.

• Interest Rate: starting at 6.75%
• Tenure: Up to 20 years
• Approval Duration: 3-5 days

RCBC Auto Loan

The RCBC Auto Loan provides flexible financing for purchasing a new or pre-owned vehicle with affordable monthly payments, low down payment options, and terms of up to 5 years.

• Interest Rate: 5.35%
• Approved Amount: minimum PHP300,000
• Tenure: 12 to 60 months
• Approval Duration: as fast as 24 hours

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Users may easily manage their account, make transfers, and pay their bills with the RCBC Pulz app, a feature-rich digital online banking application. For efficient money management, it offers features including investment possibilities, mobile check deposits, and customized expenditure analytics. The app offers a flexible and simple banking experience with a user-friendly design and strong security.

Features:

• Balance and account details checking
• Funds transfer - send cash to your loved ones with ease
• Set recurring payments for bills
• Mobile check deposits
• Information about scheduled system maintenance
  

RCBC Promo Available 

• Rebates when using the Pulz app for transactions
• Get a chance to win back RCBC personal loan interest
• 20% Off lunch or dinner buffet with RCBC Wealth Platinum Debit Card
  

Device Registration to RCBC Pulz

1. Download the RCBC Pulz app from the App Store or Google Play Store 
2. Tap Sign up for online banking 
3. Select I want to link my account to RCBC Digital 
4. Click Continue 
5. Select RCBC Credit Card 
6. Read and agree to the RCBC Terms & Conditions 
7. Enter your 16-digit Card Number and CVV 
8. Enter the One-Time Password (OTP) sent to your registered mobile number 
9. Create your User ID and Password 
10. Select the credit Card that you'd like to add to the RCBC Pulz ap

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On September 23, 1960, Alfonso Yuchengco founded the bank as the Rizal Development Bank, a modest development bank in the province of Rizal. After receiving approval from the Bangko Sentral ng Pilipinas, it was then elevated to a commercial bank and started operating as such in 1963 under the current name, Rizal Commercial Banking Corporation (RCBC).

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• Best Digital Bank in the Philippines - Euromoney
• Winner of multiple awards at the Infosys Finacle Solutions Awards 2024 and IBSi Digital Banking Awards 2024

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The Japan Times

"RCBC’s firm commitment toward sustainability assures investors that investment proceeds go to green and social projects that will ensure a healthy environment for future generations."

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RCBC Philippines continues to be one of the big banks in the country, catering to different individuals, business, and corporate needs with their wide array of comprehensive financial solutions. Really, with relentless regard for digital innovation, financial inclusion and transparency, RCBC now offers more and easy services like personal loans, credit cards, as well as home loans, making the bank client-centered, always ensuring efficiency and security.

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