• Sta. Lucia Mall RCBC Bankard MasterCard

    Sta. Lucia Mall RCBC Bankard MasterCard
    Credit Card
    Annual Fee
    Reward type
    Sta. Lucia Mall RCBC Bankard MasterCard
    Annual Fee:
    Free for 1st year
    Reward type:
    Travel Groceries Shopping and Entertainment

    Overview of Sta. Lucia Mall-RCBC Bankard MasterCard

    An exclusive co-branded credit card which lets you access benefits across various stores and establishments in the mall. If you’re a shopaholic, look forward to a host of rewards, rebates, exclusive privileges, discounts and installments at the mall. A one of its kind credit card that opens up a whole new world of benefits along with features of an international credit card.

    The mall centric benefits have been detailed below followed by a section dedicated to the general features and benefits of this credit card offering from RCBC.

    • A rebate of 0.5% is extended on all retail purchases
    • Complimentary movie passes
    • All year round discount of 1% and access to priority lane at the supermarket
    • Rewards points earning potential from all in store purchases at the mall. Participating stores are Home Gallery, Planet Toys & Sta. Lucia Mall Department Store
    • Exclusive access to Royale Tagaytay
    • Installment payment programs for all your big ticket purchases

    Features & Benefits

    Rewards Across the Mall

    Every time you make a purchase at Home Gallery, Planet Toys or Sta. Lucia Mall Department Store, you get 1 reward point for every P100 spent using the RCBC credit card. As a privileged cardmember, you can be eligible to earn as high as 5x points for purchases valued P10,000 and above. Purchases converted to installment payment plans are also eligible for earning points.

    Wide Range of Discounts & Freebies

    Get discounts at major stores and establishments at the mall. You can be eligible for a discount as high as 50% and an average of 10% at most of the leading brands. Plus, you can also look forward to freebies and goodies at specific stores in return for purchase of a minimum value.

    Free Movie Pass

    When you make a purchase a minimum of P3,000 at participating merchant establishments, you get free movie pass to watch your favorite movie and unwind after a day of heavy shopping at the mall.

    Interest Rate & Fees

    • The monthly EIR (Effective Interest Rate) for retail purchases is 3.54%, applicable for purchases made by both primary and supplementary cards.
    • The membership fee is billed on a monthly basis for both principal and supplementary cards. While the membership fee for principal card is P100 per month, supplementary cards are billed P50.

    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 Sta. Lucia Mall-RCBC Bankard 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. Can you please advise me of any discount deals on travel or ticket bookings available on my Sta. Lucia Mall-RCBC Bankard MasterCard?

      You can look forward to receiving flat 50% off on service charges on all local and international bookings at Express Miles Travels & Tours store located at the mall. The discount is valid only on bookings paid for using this credit card.

    2. I am looking forward to taking my family out to a club for weekend getaway. Are there are promos on this card which offers a deal?

      By presenting this card the Royale Tagaytay Country Club, you and your family get free entry to the club and access to the club facilities. This offer is valid on all days of the week.

    3. Is there a penalty for premature closure of an installment payment arrangement before the official close date?

      If you decide to pre-close the installment account, an Installment Pre-Termination fee at the rate of 5% of the principal outstanding is applicable. This is subject to a minimum charge of P500.

    4. How much is the service fee for gaming transactions?

      The service fee for gaming charges is billed at the rate of 5% of the transaction value, subject to a minimum of P1,000.

    5. I was reading about the discounts offered at Brickroad Fitness. Can you please provide further details.

      Sta. Lucia Mall-RCBC Bankard MasterCard holders are eligible for a discount on the membership at this fitness center at the rate of 10% for 3 months, 15% on 6 months and 25% on annual membership.

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