We take protecting you and your RCBC Bankard account seriously. See the tips on steps you can take to stay secure, plus ways to keep your account in tip-top shape!


  • The no-fail trick is to create a budget and stick with it. Decide just how much you can comfortably afford to pay and try not to go over this total.
  • Monitor your spending. Check the Spend Analyzer printed in your statement of account for the summary of your spending, on a per category basis. It’s summarized for you on a monthly and a year-to-date basis.
  • Track your budget and purchases. Enroll in Spend Monitor and receive real-time SMS alerts on your credit card spending plus a tracking of your set budget.
  • Make sure you pay at least the full minimum amount due on your card as often as possible. If you are sticking to your monthly budget, this shouldn't be a problem. See available options and channels where you can pay for your RCBC Bankard bill here.
  • Never let others use your card or share your PIN to avoid problems that may arise from fraudulent charges. Not only will these fraudulent charges give you a headache, more importantly, it can destroy your credit worthiness. Be vigilant.
  • When paying with your card, be watchful of the amount that is indicated and how many times the sales clerk has dipped/tapped your card. Make sure that the correct amount is indicated and that your card only dipped/tapped once. 
  • A lost or stolen credit card can cause you grave financial problems. Immediately report the matter to 8888-1888 as soon as you notice that your credit card is missing. Don’t wait a day or even a minute. Remember, all transactions made using your card prior to the time you reported it as missing will be charged to your account. Always be aware of where your credit card is.
  • Read all pertinent messages, updates, and/or notices printed on your Statement of Account. This will help you in keeping your RCBC Bankard account in good order and standing.

Find out how you can protect yourself and your credit card account from people who want to get your personal information to gain access to your account.


Credit card fraud is the unauthorized use of an individual’s credit card or card information to make purchases, or to remove funds from the cardholder’s account.

Types of Credit Card Fraud and Prevention:

PHISHING – The act of fraudulently obtaining a person’s confidential or financial information by using an online resource such as electronic mail, social media and other internet-related methods. Information stolen may include online account names, log-in passwords, and other personal data.

Prevention: Do not respond to emails requesting for your card number, CVV/CVC (i.e. the 3-digit code found at the back of your card), or your One-Time password. RCBC Bankard will not ask for your OTP or CVV via phone or SMS.

SKIMMING – The use of a small device to steal credit card or ATM information in an otherwise legitimate credit or debit card transaction. The device copies and stores all the details stored in the card’s magnetic stripe such as the credit card number, expiration date and the credit card holder’s full name.

Prevention: RCBC Bankard has issued EMV cards which make it more secure against skimming.

OTP TAKE-OVER – The One-Time Password (OTP) is issued whenever you do an online transaction at shop secure merchants. Unscrupulous people might call asking for your OTP and CVV/CVC to make fraudulent purchases using your credit card.

Prevention: You should NEVER disclose your OTP to anyone. If anyone calls you to ask what your OTP is or asks you to provide the three-digit CVV/CVC number located in the signature panel of your card, hang up. This is a fraudster intending to use your OTP.


  • After using your RCBC Bankard, keep it in your wallet. Do not allow anyone to take a photo of your card.
  • Don’t just leave your credit card statements lying around. If you have to dispose of it, shred it or tear it up into little pieces. 
  • Never sign a blank credit card transaction receipt. In fact, double check all the numbers and details of purchase before signing it. 
  • Report lost or stolen cards immediately to avoid fraudulent charges that you may be required to pay. 
  • Review your monthly billing statements diligently. If there are charges that you don’t remember making, immediately report this to RCBC Bankard’s Customer Service hotline. 
  • Never respond to any enticing offers that will require you to click a link even if the site that offers it looks legitimate. Phishing scammers can be very creative in trying to get your log-on and password information. If the offer is too good to be true, it’s most likely a scam.  
  • Ensure your contact details are always updated in our record so our Fraud Team can reach out to you immediately when they monitor any suspicious transaction.
  • If you receive any suspicious emails, SMS, or phone calls, immediately report the incident to our Customer Service hotline 8888-1888.
  • Remember to make use of the security benefits of your RCBC Bankard. Enroll your cards in Spend Monitor so you’ll receive an alert whenever you or your supplementary cardholder/s use your card/s.     

  • Together, let’s ensure that your card transactions are safe and that you’ll enjoy all the benefits of being an RCBC Bankard cardholder.

  • Never surrender your card to anyone for whatever reason. We can provide all the services you need (i.e., balance transfer, card upgrade or replacement, increase in credit limit) without getting your card from you.
  • Never respond to fraudulent e-mails especially those that are requesting for confidential account information. If you’ve received any emails like this or responded to one already, please call our Customer Service hotline 8888-1888 immediately. 
  • Never divulge your card number, online passwords and, most importantly, the last three digits at the back of your card to anyone. If you have been issued a Personal Identification Number (PIN), memorize it and destroy the mailer on which it was sent. 
  • When dining or shopping, always personally hand over your card to the cashier and take note of the length of time before your card is returned to you. 
  • Before signing, check whether the amount printed on your transaction slip is the actual amount of your purchase
RCBC Bankard also provides free real-time SMS alerts on your card transactions, including those of your supplementary cardholders, via SPEND MONITORIf you are into online shopping, request for a web shopper. It’s a complimentary reference device that you can use for your internet-based shopping and other non-face-to-face transactions to keep your regular credit card number and details private and protected.
Together, let’s ensure that your RCBC Bankard account remains safe and you remain stress-free!