The New Year offers new opportunities for a fresh start and a chance to take charge of every aspect of your life. Now that the frenzy of the holidays is over, it’s time to buckle down and deal with all those credit card balances that we have been setting aside to the last minute.

Managing one’s payables is easy for an RCBC Bankard cardholder for two reasons. First it offers a generous balance transfer service and, second, it has a flexible balance conversion feature.

RCBC Bankard Balance Transfer allows cardholders in good credit standing to easily transfer outstanding balances from their non-RCBC cards to their RCBC Bankard and then pay these balances in installment of up to 36 months at 0.79% per month.

On the other hand, RCBC Bankard Balance Conversion allows cardholders to convert their single or multiple straight purchases to installment using low monthly interest rates and payment terms of up to 36 months.

Staying on top of your spending and taking charge of your cash flow is always easy for RCBC Bankard cardholders not just for 2018 but any given year! Not an RCBC Bankard customer yet? Apply online at


RCBC Bankard Services Corporation (RBSC) is the Card Servicing entity of Rizal Commercial Banking Corporation (RCBC), one of the Philippines largest private universal banks.  RCBC and RCBC Bankard Services Corporation are members of the Yuchengco Group of Companies (YGC). RCBC Bankard provides unique and world-class cashless transactions, versatile add-on services, and an innovative and generous rewards program to its cardholders. For more information on RCBC Bankard and its exciting features, visit Like the Facebook page at