• RCBC Black Card Platinum MasterCard

    RCBC Bankard Black Card Platinum MasterCard
    Credit Card
    Annual Fee
    Reward type
    RCBC Bankard Black Card Platinum MasterCard
    Annual Fee:
    Free for 1st year
    Reward type:
    Travel, Gas, Groceries, Shopping and Premium

    The RCBC Bankard Black Platinum Card is a high privilege credit card. The card is available only to a select few with unblemished previous financial record as cardholders, and thus,  have been deemed worthy by the bank.

    The RCBC Bankard Black Card Platinum MasterCard comes in black with a sleek design purportedly to command respect.

    Features and Benefits

    The Black Card is a privileged card that comes with its unique set of features and benefits, especially for those highly career-oriented.

    • It is available in 2 variants:
      • The RCBC Bankard Black Platinum Mastercard PESO.
      • The RCBC Bankard Black Platinum Mastercard DOLLAR.
    • The Rewards Points accumulated never expire.
    • A cardholder can convert all purchases to 0% installment for 3 months
    • RCBC Bankard Easyterms 0% Installment Program allows cardholders to choose installment payment options for terms of 3, 6, 9, 12, 24, or 36 months.
    • The card comes with free purchase protection of up to P50,000.
    • International Travel Privileges: On charging travel-related expenses to RCBC Bankard Black Card, the cardholder was entitled to some exciting travel perks and benefits –
      • Free travel insurance (Travel Plus) amounting to P1,000,000, plus free overseas purchase protection.
      • Access to Skyview and Miascor Lounges free of charge for the Principal cardholder along with 1 companion.
      • 0% installment option on purchases made abroad.
    • C.H.A.R.G.E.: A special facility designed to assist RCBC Bankard Black cardholder parents and adult students in financing tuition and other school-related requirements by way of a loan, easily payable over flexible installment terms of 3, 6, 9 or 12 months.


    With Peso Black Card, the cardholder can get 1 rewards point for each time they spends P36 on the card or P125 at supermarkets, gas stations or drugstores.

    With Dollar Black Card, the cardholder can earn 1 rewards point for each US$1.00 charged on the card.

    Since the rewards points never expire, there is actually no limit on how much a cardholder can earn.

    Cardholders can choose their rewards point redemption mode from any of the following, or a combination thereof:

    • Airmiles.
    • Shopping Vouchers.
    • Cash Rebates.
    • Deposit to RCBC Savings Account.
    • Cash Credit to RCBC Bankard.
    • Manager’s Check.

    Insurance Offered

    The insurance offered by this credit card is the RCBC Bankard Travel Plus Insurance Program . The Travel Plus program offers free insurance of up to P1,000,000 for travel-related exigencies.

    Travel Plus benefits are divided into 2 distinct plans depending on the amount spent in booking the flight tickets. Each plan comes with multiple benefits.

    • Plan A: Purchase of international travel tickets worth P24,999.99 and below with Black Card. The benefits include
      • Worldwide cover of accidental death, dismemberment and/or disablement.
      • Travel expenses for emergency trip cancellation.
      • Travel expenses for emergency trip termination.
      • Travel inconvenience benefits against:
        • Baggage delay
        • Flight delay
    • Plan B: Purchase of international travel tickets worth P25,000.00 and above. The benefits include
      • Accidental death, dismemberment and/or disablement.
      • Emergency medical treatment for accident or sickness, including follow-up care.
      • Travel expenses for emergency trip cancellation.
      • Travel expenses for emergency trip termination.
      • Travel inconvenience benefits against:
        • Loss/theft of any travel document.
        • Baggage loss or delay.
        • Flight delay.
        • Strikes and aircraft hijacking.
    • Travel assistance benefits in conjunction with Assist America
      • Emergency repatriation.
      • Return of mortal remains.
      • Emergency evacuation.
      • Compassionate visit.
      • Care of unattended minors.
    • Car rental protection.
    • Sports activities extension.

    Black cards also comes with a free purchase protection program:

    RCBC Bankard Black Card provides the cardholder with protection against accidental loss or damage of items purchased abroad. The purchases need to be charged to the RCBC Bankard card to avail of this benefit. The cardholder has to call 888-1-888 to avail of the privilege.  This program is available in association with Malayan Insurance.

    Supplementary Cards

    The RCBC Bankard Black Card Platinum MasterCard offered up to 5 supplementary cardholders with free annual membership fees for life.

    Security Feature

    RCBC Bankard Black Card Platinum MasterCard comes with the following security features:

    • EMV Chip Technology - RCBC Bankard Black cards comes implanted with an EMV Chip, that helps in increasing security and decrease instances of fraud.
    • Credit Protect Plus - This card protection program covers both unauthorized purchases due to fraud, loss or theft of credit card, and unforeseen circumstances of life like such as death/disability.
    • Shop Secure - This feature helps the cardholder purchasing items online securely.  The feature requires one to use an Online PIN (Personal Identification Number) adding another layer of protection.
    • Web Shopper - This is reference device that can be use for online shopping without revealing the actual details of the main RCBC Bankard credit card.

    Eligibility Criteria

    • The applicant must be at least 21 years old.
    • The applicant must have a landline at their home or work/business place.

    Documents Required

    • A copy of 1 valid ID with photo and signature (SSS Photocard, Passport, TIN Card, Driver's License or Company ID)
    • A copy of proof of income.
      • If employed, any of the following had to be submitted
        • Income Tax Return and/or W2 with BIR or Bank Stamp.
        • Latest Payslip mentioning the monthly salary.
        • Original Certificate of Employment (COE) not more than 6 months old, with annual income details signed by authorized Human Resources Group signatory.
      • If self-employed, proprietor or businessman, the following had to be submitted:
        • Latest Audited Financial Statement with BIR or Bank Stamp
        • Photocopy of Income tax Return and/or W2 BIR or Bank Stamp.

    Fees and Charges

    Fees and charges for the RCBC Bankard Black Card Platinum Mastercard:

    Card Brand Principal card Fee Supplementary card Fee Monthly Interest Rate/Monthly EIR (Retail) Cash Advance Monthly EIR
    Black Card Peso P3,600 per annum First 5 Supplementary Card fee waived. P1,800 p.a. thereafter. 3.50%/3.54% 3.55%
    Black Card Dollar US$100 per annum First 5 Supplementary Card fee waived. US$50 per annum thereafter. 2.50%/2.53% 2.533%

    Other Fees and Charges:

    Type of Fees Charges
    First Year Membership Waived
    Returned Check P1,000
    Invoice Retrieval P150
    Card Replacement P300
    Cash Advance The higher amount of P500/US$10 (in case of Dollar card) or 3% of the cash amount
    Late Payment The higher amount of P200/US$5 (in case of Dollar card) or 7% of the due amount
    Pre-Termination of Installment The higher amount of P500 or 5% of the unpaid principal.
    Foreign Currency Transactions Service 3.5% of the converted amount as the bank’s service fees and any other assessment fees levied by Mastercard.
    Gaming/Casino Service The higher amount of P1,000/US$25 (in case of Dollar card) or 5% of every transaction.
    Multiple Payment P40 for each payment after the first 3, made within a statement cycle via non-RCBC payment channels: Bancnet, CIS Bayad Center, BDO, Megalink, BPI, SM, Unionbank.
    Over Limit P500/US$10 (in case of Dollar card).
    Dormancy The higher amount of P200/US$4 (in case of Dollar card) or the amount equivalent to the credit balance, for a period of 24 months of dormancy.
    Minimum Amount Due

    The sum of

    •The higher amount of the P500/S$15 (Dollar card) or 5% of Total Due Amount.

    •Past Due Amount.

    •Current Late Charges.

    •Over-Limit Amount.

    How to apply for RCBC Black Card Platinum MasterCard

    To get an RCBC Bankard Black Card Platinum MasterCard:

    • The applicant has to go to the nearest RCBC branch to open an InstaCard account. Applicants are required to open a Savings Deposit account in an RCBC Branch following the depositing of the required initial balance and maintaining it.
    • The applicant can apply online via the bank website.
    • Submit all the required documents.

    Lost/Stolen Card Liabilities

    If an RCBC Bankard Black Card Platinum MasterCard is lost or stolen, the cardholder has to immediately report it by calling the RCBC Bankard Customer Service toll-free numbers at

    • 888-1-888 in Metro Manila
    • 1-800-10-888-1888 outside Metro Manila
    • +8000-BANKARD when outside of the Philippines.

    If the bank so requests, the cardholder has to submit a written and signed statement of the circumstances surrounding the loss.

    Liability: The bank will charge the cardholder P300 for the replacement of the lost or stolen Card. The cardholder will also be liable for the unauthorized use of the card as a result of loss, theft or similar circumstances before till the time the banks gets notified of the theft/loss or possible unauthorized use.

    Once RCBC Bankard registers the loss/theft report, the cardholder is free of all such liabilities arising out of unauthorised use of the card.

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