UNLI Installment / UNLI 0%

Experience the most flexible installment all year round! You can convert ALL your STRAIGHT purchases to installment.

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How Do RCBC Bankard UNLI 0%
 and UNLI Installment Work?
  • Convert all your straight single-receipt purchases, including those made online  or overseas, in installments.
  • Enjoy 0% installment for 3 months via UNLI 0% or longer payment terms up to 36 months with minimal interest rate via UNLI Installment.
  • There's no minimum amount for conversion and no maximum number of times you can avail of this feature!
  • To avail, simply call 888-1888. You may also request for your personalized rates for UNLI Installment by calling our Customer Service Hotline.


1. RCBC Bankard’s Unli 0% is a purchase conversion feature which allows principal and supplementary cardholders to convert their straight purchases to 0% installment over 3 months. Purchases made by the principal and supplementary cardholders are eligible for Unli 0% excluding Dollar, Corporate and UnionPay accounts. Conversion of the transactions of the supplementary cardholders must be requested by the principal cardholder.
2. There is no minimum amount for conversion, and no maximum number of times that a cardholder can avail of this feature.
3. To avail of the Unli 0% offer, cardholders need to call the RCBC Bankard Customer Service hotline at 888-1888 for Classic, Gold and Co Brand cardholders or 888-1883 for Premium cardholders.
4. A minimal processing fee of Php100 is charged for each transaction below Php10,000, and Php200 for purchases amounting to Php10,000 and above.
5. Unli 0% conversion is a non-rewards point/cash/rebate/Airmile earning transaction.
6. Cash Advance, Cash Loan, YourCash, Balance Transfer, Balance Conversion, and casino/gambling transactions are excluded for Unli 0% conversion.
7. In cases of suspension, cancellation and/or non-renewal of the RCBC Bankard credit card due to non-payment or breach of any of the Terms and Conditions governing the issuance and use of the RCBC Bankard credit card, RCBC Bankard shall automatically render all the outstanding obligations of the cardholder under the RCBC Bankard’s Unli 0% facility due and demandable without need of prior notice.
8. Late payment penalty and other charges to be applied by the Unli 0% Installment facility shall be determined by RCBC Bankard.
9. The abovementioned terms and conditions for the implementation of the RCBC Bankard Unli 0% facility may be amended and supplemented by RCBC Bankard from time to time, as may be deemed necessary.

1. RCBC Bankard’s Unli Installment is a purchase conversion feature which allows principal and supplementary cardholders to convert their straight purchases into installment over longer payment terms from 6 to 36 months. A very minimal add-on rate per month applies for every straight purchase converted. Conversion of the transactions of the supplementary cardholders must be requested by the principal cardholder.
2. Purchases made by the principal and supplementary cardholders are eligible for conversion to Unli Installment excluding Corporate, Dollar and UnionPay accounts.
3. There is no minimum amount for conversion, and no maximum number of times that a cardholder can avail of this feature.
4. To avail of the Unli Installment offer, cardholders need to call the RCBC Bankard Customer Service hotline at 888-1888 for Classic, Gold and Co Brand cardholders or 888-1883 for Premium cardholders.
5. In cases of suspension, cancellation and/or non-renewal of the RCBC Bankard credit card due to non-payment or breach of any of the Terms and Conditions governing the issuance and use of the RCBC Bankard credit card, RCBC Bankard shall automatically render all the outstanding obligations of the cardholder under the RCBC Bankard’s Unli Installment facility due and demandable without need of prior notice.
6. Monthly interest rate, late payment penalty and other charges to be applied by the Unli Installment facility shall be determined by RCBC Bankard.
7. The abovementioned terms and conditions for the implementation of the RCBC Bankard Unli Installment facility may be amended and supplemented by RCBC Bankard from time to time, as may be deemed necessary.

Cards with this Benefit

Call 888-1888

for your personalized rates.