• RCBC Bankard Diamond Card Platinum MasterCard

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

    Overview of RCBC Bankard Diamond Card Platinum MasterCard

    A tailor made credit card for women, this card arranges for automatic donation to causes through the Diamond Care Program. Every P100 charged to the card will result in donation of P0.20 to Gawad Kalinga, a voluntary organization. Since this card is custom made for the women, you can expect top notch features and benefits.

    Its comes with flexible rewards earning program and 0% installment options at partnered beauty and wellness centers. As an incentive, the membership fee remains waived for the first subscription year. If you’re a woman and looking for a credit card to meet your lifestyle needs, this is the right credit card for you.

    Elaborate Rewards Program

    The Diamond rewards program lets cardmembers earn 1 reward point for every P50 spent using this card on routine spends and the same quantum of points for charges made at drugstores, supermarkets and gas stations.

    The accumulated rewards can be redeemed for a host of goodies and rewards. The cardmember can choose to exchange them for shopping vouchers (100 + leading stores nationwide), get them as cash credit to their RCBC credit card or RCBC savings/checking account and also earn them as miles under the RCBC Bankard Airmiles Program. Plus, the cardmember can also choose to be enrolled in the Cash Rebate Program to get instant rebates, on the spot with no limits.

    Travel Insurance Program

    Diamond Card Platinum MasterCard holders get complimentary travel insurance cover, valid around the globe. All the cardmember needs to do is bill the travel related fare to their RCBC credit card and enjoy a host of benefits such as protection from baggage loss/delay, flight delay and other travel related issues.

    Complimentary Airport Lounge Access

    The privilege of accessing The MIASCOR Airport Lounge is complimentary to the Diamond cardholders. Access a range of services at the lounge while you wait for the next flight. The modern and furnished air-conditioned rooms can be your gateway to relax and rewind during the wait time. Principal cardmembers can also take up to 2 guests to the lounge at nominal charges, while children below 2 years can use it for free.

    Free Purchase Protection

    Enjoy free cover against accidental loss or damage of the articles you purchased with your RCBC credit card. RCBC has partnered with Malayan Insurance to provide you the most comprehensive cover for your favorite items.

    0% Installment Payment Program

    The Unli 0% installment payment program lets you convert large or small value purchases made abroad into 3-month installment. All you need to do is call the customer service phone line to have existing purchases converted into installments and save money.

    Interest Rate & Fees

    • Interest charges for retail purchases is billed at the rate of 3.54% (Effective Interest Rate) each month. For cash advances, the EIR (Effective Interest Rate) is 3.55% per month.
    • The AMF (Annual Membership Fees) for the principal credit card is P2,500 while this fee remains waived for the first 3 supplementary cards. A fee of P950 is billed for these cards from the 4th year.

    Note: The membership fee remains waived for the first year on the principal card.

    A breakup of basic fees and charges have been provided in the table below.

    Fee Description Amount
    Late Payment Fee P200 or 7% of the past due amount, whichever is higher
    Cash Advance Fee P500 or 3% of the amount withdrawn, whichever is higher.
    Minimum Amount Due P500 or 5% of the amount outstanding, whichever is higher.
    Card Replacement Fee P300 for each replaced card.


    The eligibility criteria for the RCBC Bankard Diamond Card Platinum MasterCard is quite simple to fulfill. The following conditions need to be fulfilled to apply for this card.

    • The applicant must be at least 21 years old.
    • Should have an active landline telephone at workplace or home.


    The applicant is required to provide a copy of one valid ID issued by a government agency containing photo and signature. Based on the employment type, the following documents should be furnished at the time of application.

    • Latest payslip with salary breakdown.
    • ITR (Income Tax Return) and or W2, stamped by BIR/bank.
    • COE (Certificate of Employment) containing details of annual salary and signed by the authorized HR person. The certificate should not be older than 6 months.
    Self Employed
    • Latest ITR (or W2) with BIR or Bank Stamp along with Audited Financial Statements.

    Frequently Asked Questions

    1. I am paying monthly installment under the 0% installment program from RCBC on my credit card. Is there a penalty if I decide to pre-close the account?

      Yes, you will be responsible to pay a penalty of P500 or 5% of the outstanding principal amount, whichever is higher. The fee will be billed to your credit card account.

    2. How does the Diamond Cares Program work?

      It works quite simple. Since this card is offered with a cause, for every P100 charged to this card, P0.20 is is donated to Gawad Kalinga, a charitable institution working in the area of community development.

    3. Am I allowed to use this card to charge for gaming transactions? Is there a fee?

      You can use this card to charge gaming related transactions. A fee at the rate of 5% of transaction or P,1000 (whichever is higher) is applicable.

    4. Is there any limit on how much cash rebates I can earn using my credit card?

      There is no limit on the cash rebates you can earn with your RCBC credit card. Also, there is no cap on the rebates needed before it credits your account. The cash rebates program is valid across various categories.

    5. Can you please provide the contact details for RCBC credit card customer service division?

      You can reach RCBC Bankard department on 888-1-888. Customers outside Metro Manila can call 1-800-10-888-1888. Callers from foreign locations can access customer service by calling +63 2 888 1 888.

    Credit Cards
  • Contact Us on Mail
    reTH65gcmBgCJ7k - pingdom check string.
    This Page is BLOCKED as it is using Iframes.