The Rizal Commercial Banking Corp. (RCBC) posted strong gains in its credit card business as of the third quarter of 2025, driven by higher spending from premium clients and a growing base of loyal cardholders.
RCBC’s issuing billings rose 32 percent year-on-year, while credit card receivables increased 37 percent. The bank now has more than 1.4 million active cardholders, up 19 percent from last year—an indication of steady consumer confidence and sustained retail activity.
RCBC Credit Cards president and CEO Arniel Vincent B. Ong said demand remains strong among customers seeking exclusive perks, seamless travel, and real-time account management through the RCBC Pulz app. The app offers features such as on-demand installment conversion (Unli Installment) and the ability to use credit limits for payments to non-card-accepting sellers (UnliPay).
Holiday spending has been robust, particularly in travel, dining, e-commerce, and electronics. Digital adoption continues to boost growth, with online acquisitions up 88 percent year-on-year and strong usage of in-app features. RCBC has also enabled Mastercard and Visa cards for Google Pay, providing faster and more secure digital payments.
The bank continues to enhance rewards, offering benefits such as lounge access, dining and grocery discounts, cashback on installment purchases, and a No Annual Fee for Life offer for new cardholders.
Credit cards remain RCBC’s biggest retail lending driver, accounting for 39 percent of consumer loans. As the fifth largest privately owned bank in the Philippines, the Yuchengco-led RCBC says it will continue investing in technology-driven solutions to improve customer experience across its credit card products.
