UNLI 0% / UNLI Installment

Convert STRAIGHT purchases made ANYWHERE to installment and experience the most flexible installment all year round!

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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, to installment.
  • 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!


Convert your purchases to installment now!


Check out the step-by-step guide here.

Please note that Purchase Conversion via App is available to Principal Cardholders only.

For Supplementary and webshopper cardholders, you may send your request for Unli 0% Installment via https://bit.ly/rcbcbankard-unli.


  1. RCBC Bankard’s Unli 0% is a purchase conversion facility which allows principal and supplementary cardholders to convert their straight purchases to 0% installment over 3 months.
  2. Purchases made by the principal and supplementary cardholders are eligible for Unli 0% excluding Dollar and Corporate accounts. Conversion of the transactions of the supplementary cardholders must be requested by the principal cardholder.
  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 0% offer, cardholders can do any of the following:
  5. A minimal processing fee of Php100 is charged for each transaction below Php10,000, and Php200 for purchases amounting to Php10,000 and above.
  6. Unli 0% conversion is a non-rewards point/cash/rebate/Airmile earning transaction.
  7. Cash Advance, Cash Loan, YourCash, Balance Transfer, Balance Conversion, and casino/gambling transactions are excluded for Unli 0% conversion.
  8. 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.
  9. Late payment penalty and other charges to be applied by the Unli 0% Installment facility shall be determined by RCBC Bankard.
  10. 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 facility 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.
  2. Purchases made by the principal and supplementary cardholders within their current or previous month’s cycle are eligible for conversion to Unli Installment.
  3. Conversion of the transactions of the supplementary cardholders must be requested by the principal cardholder. Purchases using an RCBC Bankard Corporate or Dollar Cards cannot be converted to Unli Installment.
  4. There is no minimum amount for conversion, and no maximum number of times that a cardholder can avail of this facility.
  5. To avail of the Unli Installment offer, cardholders can do any of the following:
    • Use the RCBC Online Banking App and select the transaction/s that the cardholder wants to convert to Unli Installment. A Notification will be displayed whether the conversion has been successful or not.
      Disclaimer: The computation of monthly amortization displayed in the RCBC Online Banking App is indicative and for illustration-purposes. Actual monthly amortization posted by the System may vary.
    • Call the RCBC Bankard Customer Service hotline at 8888-1883 for Premium cardholders and 8888-1888 for Non-Premium cardholders.
  6. 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.
  7. Monthly interest rate, late payment penalty and other charges to be applied by the Unli Installment facility shall be determined by RCBC Bankard.
  8. 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.

The State protects its citizens from a lack of awareness of the true cost of credit to the customer by assuring a full disclosure of such cost and other terms and conditions with a view of preventing the uninformed use of credit.

As such, a disclosure statement is a required attachment to the loan contract. It shall include, at a minimum, the following information:

  1. Total amount to be financed
  2. Finance Charges and all others charges incident to the loan
  3. Net proceeds of the loan
  4. Schedule of Payments
  5. The percentage that the finance charge bears to the total amount to be financed expressed as Effective Interest Rate (EIR)
IMPORTANT NOTICE
The borrower has a right to demand a copy of the disclosure statement

Cards with this Benefit