Promo Period

The Card2Car promotion (the "Promo") is open to RCBC Infinite, World and Platinum cardholders who apply for and avail of the RCBC Auto Loan from April 1, 2025 to December 31, 2025 (the ”Promo Period”).

Applications must be submitted within the Promo Period, even if subsequently approved and availed of thereafter but in no case later than March 30, 2026 (the “Availment Period”).

 

Eligibility

To qualify for the Promo, loan applications should be submitted within the Promo Period and should have been approved and availed of within the Availment Period. 

Applicants must also meet the following conditions:

1. RCBC Infinite, World, and Platinum credit cardholder who received the promo via email or viber.
2. The Loan purpose must be for the purchase of brand-new private and personal vehicles only.
3. The promo offer is applicable to Auto Loan Plus and Auto Loan Flexilite only.
4. The promo requires a minimum loan amount of Php500,000.
5. The required down payment for a unit shall be as follows:

• Auto Loan Plus – 20% of the unit's suggested retail price (SRP)
• Auto Loan Flexilite – 0% Downpayment

 

Offer

Auto Loan Plus

• Qualified customers shall be entitled to a full waiver of the chattel mortgage fee and documentary stamp tax for loan amount ranging from Php500k to Php5M only.

Note: For loan amount >Php5M, the documentary stamp fees shall be shouldered by the customer.

• Free 1 year worth of car insurance for loan term 36 to 60 months.
• The applicable special add-on interest rates shall be as follows:

 

Term	Add-on Rate
36 mos	14.37%
48 mos	19.90%
60 mos	25.82%

 

Auto Loan FlexiLite

• 0% Down payment
• Flexible payment terms up to a maximum of 8 years. (If the residual value is amortized for 3 years.)
• Residual value of 20% shall be paid by the end of the loan term.
• The applicable special add-on interest rates shall be as follows:

Term	Add-on Rate
36 mos	18.23%
60 mos	31.80%

 

 

General Provisions

1. All loan applications qualified under the Promo shall be processed under the standard evaluation and approval process of RCBC, subject to relevant terms and conditions as well as RCBC’s policies and procedures.
2. RCBC, its subsidiaries, affiliates, the advertising agencies and print suppliers, including their respective Board of Directors and Advisory Board Members, officers, and employees, and their relatives up to second (2nd) degree of consanguinity and affinity are not qualified for this Promo.
3. This Promo is not valid in conjunction with other promotions carried out by RCBC.
4. Qualified clients authorize RCBC to disclose and publish their names, photos and other particulars as determined by RCBC to any person/s and in any mode or manner, as RCBC may deem appropriate in relation to this Promo. RCBC shall not be liable for violation of customer data privacy and/or bank secrecy law as a result of said disclosure or publication.

 

Terms and conditions apply.