With the RCBC Digital app, cardholders can convert their purchases into installments in real time, giving them greater financial flexibility.
One of the largest universal lenders in the Philippines, Rizal Commercial Banking Corporation (RCBC) has distinguished itself from other credit card issuers by providing distinctive features to all its cardholders, irrespective of their card type.
The bank is dedicated to emphasising inclusivity and customer empowerment, and this commitment earned it a Highly Commended mention in the Best Credit Card Initiative category at the 14th Annual Retail Banker International Asia Trailblazer Awards.
When it comes to credit cards, RCBC offers its cardholders a range of features and benefits that include flexible installment options, access to exclusive airport lounges, promotions for dining, shopping and wellness, an unrestricted rewards programme and a straightforward payment model.
Financial flexibility
For instance, the Unli Installment feature allows cardholders to convert straight purchases into flexible payment plans of up to 36 months. This feature is particularly useful when it comes to significant expenses such as medical bills, tuition fees and foreign transactions, where conventional POS-based installment options may not be available.
In addition, with the RCBC Digital app, cardholders can convert their purchases into installments in real time, giving them greater financial flexibility.
RCBC distinguishes itself further from its competitors by offering all its retail cardholders access to the exclusive Marhaba Lounge at the Ninoy Aquino International airport; other issuers generally offer this benefit only to premium cardholders. With an RCBC credit card, all retail cardholders can enjoy free travel insurance and purchase protection when travelling overseas. RCBC also provides a variety of dining, shopping and wellness offers to its credit cardholders, featuring deals from top offline and online merchants.
In addition to these offers, select customers can access targeted promotions based on specific categories, which helps provide added value and an enriched experience.
The RCBC credit card rewards programme provides unlimited rewards on all purchases, including bill payments, and stands out for its flexible redemption options. Cardholders can choose between points, air miles or cash rebates, and can redeem their earned rewards using a variety of options by having the peso value of their points credited to their RCBC savings or checking account.
UnliPay feature
In August 2022, RCBC introduced a new feature named UnliPay for their credit cards, enabling cardholders to use their limit to pay and transfer money to any bank account or e-wallet.
The feature’s user-friendly interface has been widely appreciated by customers, some of whom started testing and discussing the feature online from the soft launch phase itself. RCBC has gained recognition this year for providing exceptional credit card services and is fast becoming a prominent name in the industry.