• RCBC UnionPay Card

    RCBC Bankard UnionPay Card
    Credit Card
    Annual Fee
    Reward type
    RCBC Bankard UnionPay Card
    Annual Fee:
    P1,500
    Free for 1st year
    Reward type:
    Travel, Shopping, Dining, Entertainment and Premium

    RCBC Bankard is one of the most popular credit card issuers in the Philippines. RCBC Bankard is dedicated to providing a wide range of credit cards for several financial needs. Each credit card is designed for an exclusive purpose. RCBC Bankard UnionPay Card is a great card for someone who loves travelling to China and Hong Kong.

    Features and Benefits

    Let us take a look at the features and benefits of RCBC Bankard UnionPay Card:

    • When you use an RCBC Bankard UnionPay Card in mainland China and Hong Kong, you will receive exclusive double rewards points on your dining and hotel expenses.
    • You will get a purchase protection insurance policy and an international travel insurance policy with this RCBC Bankard UnionPay Card.
    • You can enjoy a secure and easy banking experience with your RCBC Bankard UnionPay Card while travelling in China.
    • The rewards that you earn with your RCBC Bankard UnionPay Card will never get lapsed.
    • You will receive access to plush airport lounges in different parts of the world with your RCBC Bankard UnionPay Card. If you are waiting for your flight in the Philippines, you will get access to the Miascor and Skyview Airport Lounges with this card. These lounges are situated NAIA Terminal 1 and Terminal 3. You and one travel companion can get free access to these luxurious lounges in the Philippines. Apart from the travel companions, you will be permitted to get up to 2 guests and each person will have to pay USD $12 with their RCBC Bankard. A child who is aged 2 and below can enter the lounges without paying any fee.

    Rewards

    Let us take a look at the rewards that you can earn with this credit card:

    Whenever you charge your RCBC Bankard UnionPay Card with P36 or when you spend P125 with your card for expenses incurred at pharmacy stores, gas stations, supermarkets, you will earn a reward point.

    In China, when you use this credit card for your hotel and restaurant expenses, you will earn 2 times the rewards.

    When you have these rewards, you can decide how to redeem your rewards by choosing any of these options:

    • RCBC Bankard Air Miles
      • Under the air mile programme, 1 reward point is equivalent to 1 air mile. You can modify your reward points to air miles.
      • You can then use these RCBC Bankard Air Miles to get free flights. To enjoy this benefit, you will have to modify the RCBC Bankard Air Miles to Asia Miles, Cebu Pacific GetGo Points, or PAL Mabuhay Miles. Under this programme, 3 RCBC Bankard AIRMILES are equal to 1 PAL Mabuhay Mile or 1 Cebu Pacific GetGo mile or 1 Asia Mile.
      • You can start redeeming at 1,500 RCBC Bankard Air Miles.
    • RCBC Bankard Cash Rebate
      • When you go for this programme, you will earn unlimited cash rebates. You can use your RCBC Bankard UnionPay Card for retail as well as installment purchases. This will give you many cash rebates and you do not have to worry about any maximum limit.
      • The best thing about this programme is that there is no minimum number of rebates that have to be earned before they get credited to your account. Cash rebates in some banks are credited to the bank account only after you earn a certain number of rebates.
    • You also will not be required to make purchases from specific categories in order to receive the cash rebates.
    • You can also make deposits to your RCBC/RCBC Savings account.
    • You can also earn shopping vouchers at partnered outlets.
    • You can also make cash credits to your RCBC Bankard account.
    • You may also choose a manager’s cheque.

    Insurance Offered

    Let us discuss the insurance options that come with RCBC Bankard UnionPay Card:

    • This card comes with extensive travel insurance that is offered for free. You will receive protection for accidents, disablement, and other troubles related to travelling. You will get a worldwide cover for accidental death, disablement, cancellation of flights, delays in flights, luggage delays, etc.
    • You will also receive free purchase protection with this card. When you buy products from a foreign country, if they get damaged, misplaced, or stolen, you do not have to worry about the losses that you will incur. This purchase protection will reimburse all your losses.

    Supplementary Card

    RCBC Bankard UnionPay Card comes with a supplementary card that will allow your immediate family members to enjoy the benefits of the primary card.

    Eligibility Criteria

    Let us take a look at the eligibility criteria for RCBC Bankard UnionPay Card:

    • You will have to be at least 21 years old.
    • You will need to have a landline in your residential space or in your commercial space or workplace.

    Documents Required

    Let us take a look at the documents required to apply for RCBC Bankard UnionPay Card:

    • A copy of any one of your valid IDs. The ID can be a TIN card, SSS Photocard, Passport, Company ID, or Driver’s License.
    • You will also have to give proof of income.

    For employed individuals:

    • Most recent payslip
    • Income Tax Return and/or W2 along with your Bank Stamp or BIR
    • Your Original Certificate of Employment (COE) along with information regarding your annual income and this should be acknowledged by Human Resources Group signatory

    For self-employed individuals or businessmen:

    • Most recent audited financial statement with your Bank Stamp or BIR
    • A copy of your Income Tax Return and/or W2 along with your Bank Stamp or BIR

    Fees and Charges

    Let us look at the fees and charges that you will incur with an RCBC Bankard UnionPay Card:

    RCBC Bankard UnionPay Classic

    Membership fee for primary card P1,500 p.a.
    Membership fee for supplementary card P750 p.a.
    Interest rate for each month/Retail monthly effective interest rate 3.50%/3.54%
    Cash advance effective interest rate for each month 3.55%

    RCBC Bankard UnionPay Diamond

    Membership fee for primary card P3,000 p.a.
    Membership fee for supplementary card Waiver for up to 9 supplementary cards
    Interest rate for each month/Retail monthly effective interest rate 3.50%/3.54%
    Cash advance effective interest rate for each month 3.55%

    You can enjoy a waiver of your first-year annual fee.

    Other fees

    Returned cheque fee P1,000
    Card replacement fee P300
    Invoice retrieval fee P150
    Cash advance fee Higher of P500 or 3% of cash amount availed of
    Fee for gaming or casino Higher amount of P1,000 or 5% of each transaction
    Multiple payment fee P40 for all payments
    Dormancy fee P200
    Late payment fee Higher amount of P200 or 7% of the previous outstanding amount
    Service fee for transactions made with foreign currency 3.5% of the amount that has been converted
    Over limit fee P500

    How to apply for RCBC UnionPay Card

    You can apply for the RCBC Bankard UnionPay Card online by visiting the official website. You can also call the bank’s customer care centre for support. Apart from these 2 methods, you may also visit an RCBC branch for the application process.

    How to Report a Stolen or Lost Credit Card

    You can contact the hotline of RCBC Bankard for instant assistance. You can contact them at 888-1-888.


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