• HBC RCBC Bankard MasterCard

    HBC RCBC Bankard MasterCard
    Credit Card
    Annual Fee
    Reward type
    HBC RCBC Bankard MasterCard
    Annual Fee:
    P960
    Free for 1st year
    Reward type:
    Gas, Groceries, Shopping, Dining and Entertainment

    Overview of HBC-RCBC Bankard MasterCard

    Enjoy a life more beautifully with the MasterCard credit card by HBC-RCBC Bankard. This card comes with a plethora of features such as 10 percent cash rebates, Rewards Points, interest free installment options and beauty services. Read on for further details.

    Benefits and Features of the HBC-RCBC Bankard MasterCard

    • Cash Rebates
      • Customers can procure cash rebates for up to 10 percent on purchases at HBC.
      • For an outstore spend of P10,000 and above, a cash rebate of 10 percent can be procured.
      • For transaction outside HBC between P5000 to P9999, a rebate of 5 percent can be availed.
      • For spends below P5000, a rebate of 1 percent is available.
      • All transactions done outside HBC will result in customers earning a rebate of 0.25 percent, whatever the amount. This outstore spend will exclude balance conversion, balance transfer along with cash advance purchases and charges and fees.
    • Terms and conditions for the above -
      • In order to qualify for this, the HBC-RCBC Bankard account of the customer must be active and should have a reasonable credit standing at the time of the rebate.
      • The rebate will be credited automatically to the user’s HBC-RCBC Bankard account during the next billing.
      • For transactions done in installments (excluding transfer of balance and balance conversion), computation of the rebate will be done post monthly amortization.
      • The merchant name or description of the transaction provided by the bank will be used as basis for transaction determination at all HBC Stores by RCBC Bankard.
      • There is no maximum cap annually on the rebate earned by customers. However, a cap can be put anytime by RCBC Bankard at their discretion.
      • These rebates cannot be transferred at any time to anyone else.
      • Fraudulent transactions will result in the termination of the HBC-RCBC Bankard account of the customer.
      • Fee handling and tax will be the liability of the customer.
      • Rates and calculation is based on the sole discretion of RCBC Bankard.
      • All decisions will be final and binding.
    • Privileges
      • Customers can procure installment of 3 to 12 month tenures at 0 percent rate of interest.
      • Users will receive privileges and discounts at HBC Exclusive partner outlets. Partner outlets include Manels, Silverworks, Sogo and Automatic Centre, among others.
      • Members can enjoy an exclusive sale every quarter.
      • Users also receive a facial for free on their birthday. A birthday gift card will be provided to the customer which can be presented at any HBC outlet along with his/her HBC-RCBC Bankard MasterCard to avail the facial.
      • Customers will be able to receive discounts on new products.
      • Users also receive access to events such as make-up seminars, hairstyling sessions and so on.

    Eligibility and Documentation

    In order to be eligible to procure the HBC- RCBC Bankard MasterCard credit card, customers must meet the following requirements -

    • Customer must be a minimum of 21 years old.
    • Customer must possess a landline, either at home or work.

    Documents required are -

    • Copy of one ID with signature and photo (TIN card, SSS Photocard, Driver’s License/ Company ID, Passport)
    • Any proof of income (copy)
    • If customer is employed(any one of the following must be submitted) -
      • W2 or Income Tax Return with Bank Stamp or BIR
      • Most recent monthly salary payslip
      • Original copy of certificate of employment along with details of annual income that has been signed by authorized HR group signatory. The certificate must not be over six months old.
    • If self-employed or businessman or proprietor (any one of the following must be provided)
      • Most recent financial statement that has been audited along with Bank stamp or BIR along with a copy of the Income tax return or/and Bank Stamp or W2 BIR.

    Fees and Charges

    Brand Principal Membership Fee Supplementary Membership Fee Rate of Interest per Month Interest Rate per month for Cash Advance
    HBC-RCBC Bankard MasterCard P80 per month P40 per month 3.5 percent/3.54 percent 3.55 percent
    Membership Fee for First Year Waived
    Fee for Returned Check P1000
    Retrieval Fee for Invoice P150
    Fee for Card Replacement P300
    Fee for Cash Advance P500 or 3 percent of cash amount, whichever amount is higher
    Fee for Late Payment P200 or 7 percent of the past due amount, whichever amount is higher
    Service Fee charged for Gaming Transactions 5 percent of each transaction or P1000, whichever amount is higher
    Pre-Termination of Installment Fee 5 percent of each unpaid amount of principal or P500, whichever amount is higher
    Service Fee Applicable for Foreign Currency Transactions 3.5 percent of the amount that has been converted representing the service fee of the bank
    Minimum Amount that is due A sum of -
    • P500 or 5 percent of the amount due, whichever is higher ($15 for US cards)
    • Past due amount, if there is any
    • Current late charges
    • Over limit amount
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