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RCBC Bankard personal loans for february 2024

RCBC Bankard
Get a personal loan at RCBC Bankard. On 22.02.2024 there are 1 options available to you. Increase your chances of getting a loan — fill out an application with a free credit rating check.
Offers: 1
RCBC Credit Cards
Digital Cash Loan
Rating by Finanso®

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
up to ₱500,000

Loan term for the financial product

up to 60 months
Get the money you need online
Get the money you need online

Use our quick loan matching system with a free credit check!

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Your ideal cash loan with a free credit check in the Philippines is just a few clicks away.

Calculate the loan at RCBC Bankard
Loan amount

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10000 ₱
500000 ₱
Loan term

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Annualized Rate

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17.9160 %
21.6480 %
Type of payments

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Today 22.02.2024 Online Loan Application
Loan amount

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1000 ₱
50000 ₱
Loan term

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60 days

You are able to pick a loan for free. You can receive money in: 15m

Today 22.02.2024 Online Loan ApplicationToday 22.02.2024 Online Loan ApplicationToday 22.02.2024 Online Loan ApplicationToday 22.02.2024 Online Loan ApplicationToday 22.02.2024 Online Loan Application
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No comment yet coz im not yet approved in my application
very fast
Please address my concerns regarding my loan application and its processing...
Warning: This lender is predatory and extremely dangerous. Do not use this app for loans as they will trap you with impossible and maliciously high interest rates...
I was charged an excessive amount by KVIKU. My last loan was approved on November 25th, 2022 for 5000 pesos...
High Interest Rate. They approved my auto loan without discussing repayment options in full. Instead, they sent me a contract with scheduled payments, which is nowhere near the advertised 0...
RCBC Bankard personal loans for february 2024

Rizal Commercial Banking Corp. (RCBC) Bankard has two types of loans: Digital loan and YourCash.

Types of loans

  • Digital Loan. The Digital Loan is a cash credit facility that has been so successful in meeting Filipinos' needs that it was named Outstanding in the Digital CX - Loans category at the recent Digital CX Awards 2022. You will get an offer via SMS or email when you apply for the Cash Loan. If your application is approved, you can convert any unused 90% credit limit between ₱10,000 and ₱500,000. You then pay in convenient installments over a maximum of 60 months. Then, within 2-3 business days, your loan will be credited to your designated bank account.
  • YourCash. You can get extra cash on top of your credit limit with a YourCash loan. If you receive a YourCash offer via SMS or email, you will receive ₱20,000, but not more than ₱500,000, and repay it for up to 60 months. This credit facility, however, does not accept UnionPay, Corporate accounts, Dollar accounts, Secured and Virtual Cards. Yuchengco Group of Companies (YGC) employees, which own most of RCBC, are also ineligible to apply for YourCash.

How to apply for an RCBC Bankard loan?

To apply for an RCBC Bankard loan, you need to do the following:

  1. Log into the RCBC digital app or RCBC Online.
  2. Input your Cash Loan Amount and preferred Term.
  3. Wait as the rate, EIR, and monthly amortization is calculated and displayed in real-time.
  4. Verify your Card and select the mode of disbursement.
  5. Enter your One-Time Password (OTP) sent to your registered mobile number.
  6. Wait for the funds to reflect in your account.

Requirements for an RCBC Bankard loan

To qualify for the RCBC Bankard loans, you must meet the following requirements:


To be qualified for an RCBC Bankard loan from Robinsons Bank, you must meet the basic credit cardholder requirements.

  • Be at least 21 years old and no older than 65 when the loan matures.
  • Be a Filipino citizen or resident who has lived in the Philippines for at least two years.

General requirements

  • UMID
  • Passport
  • Driver's license

For employed workers

  • Your most recent pay stub displaying your monthly salary.
  • Your original certificate of employment (COE)with income details for the previous six months.
  • Your most recent bank statements indicating your salary.

For self-employed individuals or professionals

  • W2 with BIR or most recent ITR with bank stamp.
  • The most recent audited financial statements with a bank stamp or BIR.
  • Documents for business registration, such as a DTI or a Mayor's permit.
  • PRC identification for professionals.
  • Your most recent bank statements displaying your cash credit or sales receipts for the month.

Pros and cons

RCBC Bankard loans enable you to borrow money quickly using your credit card. You can pay off some of your bills or purchase items with the funds you receive. However, the loans have drawbacks, such as fees, that you should consider before applying.


  • You do not have to deal with paperwork because everything is done online.
  • You can apply for a loan from the convenience of your home, saving you the trouble of going to the bank.
  • You can easily manage your payments and receive notifications when a payment is due.


    • You cannot withdraw your cash loan application once it has been approved.
    • You will be charged a one-time processing fee of ₱250 if you choose RCBC bank deposit as your preferred cash disbursement method. If you provide an incorrect deposit account number, you will be charged a reprocessing fee of ₱150.
    • You will receive no benefits from the cash loan and its monthly amortizations.

    How to repay RCBC Bankard loan?

    You can repay your RCBC Bankard loan via the Digital app or online.

    RCBC Digital app

    1. Open the app and login into your account.

    2. From the menu, select BILLS PAYMENT.

    3. Click PAY BILL.

    4. Select RCBC Bankard Loan.

    5. Enter the necessary information.

    6. Select PAY NOW.

    7. Review all details before pressing the PROCEED button.

    8. Enter the OTP sent to your registered mobile number.

    9. Click SUBMIT to complete your transaction.

    RCBC Online

    1. Log on to RCBC Online Banking.

    2. Click PAY BILL.

    3. Choose RCBC Bankard Loan.

    4. Fill in the blanks with the necessary information.

    5. Click SUBMIT.

    6. Enter the OTP that was sent to your registered mobile number.

    7. To confirm your transaction, click SUBMIT.


    Apart from the online application, is there another way I can apply for the RCBC Bankard loan?

    Unfortunately, there is no other way to apply for the RCBC Bankard loan. You must complete the online application to be considered for this particular loan.

    Can I use the RCBC digital app to make payments for my loan?

    Yes. You can pay your loan using the RCBC digital app. The RCBC digital app is available on iOS and Android. To use it, you'll need to download the app and set up an account with a username and password.