• RCBC Credit Card

    RCBC Credit Card
    Credit Card
    Annual Fee
    Reward type
    RCBC Bankard Classic Cards
    Annual Fee:
    P1,500
    Free for 1st year
    Reward type:
    Insurance, Gas, Groceries, Shopping and Entertainment
    RCBC Bankard Gold Cards
    Annual Fee:
    P3,000
    Free for 1st year
    Reward type:
    Travel, Insurance, Gas, Groceries, Shopping and Dining
    RCBC Bankard Diamond Card Platinum MasterCard
    Annual Fee:
    P2,500
    Free for 1st year
    Reward type:
    Travel, Gas, Groceries, Shopping, Dining and Premium
    RCBC Bankard Black Card Platinum MasterCard
    Annual Fee:
    P3,600
    Free for 1st year
    Reward type:
    Travel, Gas, Groceries, Shopping and Premium
    RCBC Bankard Visa Infinite Card
    Annual Fee:
    P3,600
    Free for 1st year
    Reward type:
    Travel, Gas, Groceries, Shopping, Dining, Entertainment and Premium
    RCBC Bankard World MasterCard
    Annual Fee:
    P3,600
    Free for 1st year
    Reward type:
    Travel, Insurance, Gas, Groceries, Shopping, Dining and Premium
    RCBC Bankard UnionPay Card
    Annual Fee:
    P1,500
    Free for 1st year
    Reward type:
    Travel, Shopping, Dining, Entertainment and Premium
    RCBC Bankard Corporate Card
    Annual Fee:
    No Info
    Reward type:
    Travel, Shopping and Entertainment
    Landmark Anson’s RCBC Bankard MasterCard
    Annual Fee:
    P960
    Free for 1st year
    Reward type:
    Travel, Gas, Groceries, Shopping and Dining
    Citrus RCBC Bankard MasterCard
    Annual Fee:
    P1,800
    Free for 1st year
    Reward type:
    Travel, Gas, Groceries, Shopping and Dining
    LJC RCBC Bankard MasterCard
    Annual Fee:
    P960
    Free for 1st year
    Reward type:
    Dining
    Mango RCBC Bankard MasterCard
    Annual Fee:
    P1,200
    Free for 1st year
    Reward type:
    Travel, Gas, Groceries, Shopping, Dining and Entertainment
    Sta. Lucia Mall RCBC Bankard MasterCard
    Annual Fee:
    P1,200
    Free for 1st year
    Reward type:
    Travel Groceries Shopping and Entertainment
    Wilcon RCBC Bankard MasterCard
    Annual Fee:
    P1,200
    Free for 1st year
    Reward type:
    Travel, Insurance, Gas, Groceries and Shopping
    HBC RCBC Bankard MasterCard
    Annual Fee:
    P960
    Free for 1st year
    Reward type:
    Gas, Groceries, Shopping, Dining and Entertainment
    Fully Booked RCBC Bankard MasterCard
    Annual Fee:
    P1,500
    Free for 1st year
    Reward type:
    Travel, Gas, Groceries, Shopping and Dining
    RCBC Bankard Web Shopper
    Annual Fee:
    Free
    Reward type:
    Shopping

    RCBC Bankard has developed to make your life better. It offers the most flexible rewards program. It offers you financial management tools that will give you financial control and empowerment. The credit cards have built-in card protection programs. The credit cards offered by RCBC Bankard are accepted worldwide and it provides outstanding privileges.

    Features and benefits of RCBC Credit Card

    Following are the features and benefits of RCBC Bankard:

    • The credit cards are offered on three platforms – Visa, MasterCard, and UnionPay.
    • The interest rate offered on the credit cards are low.
    • The rewards program offered are flexible.
    • It will help you spend responsibly and wisely. There are financial management tool such as Spend Analyzer, Fast BillsPay, and Spend Monitor that gives you financial control.
    • Shopping online is safe as you will be covered with secure online shopping solutions. There are built-in card program protection programs such as Shop Secure, Credit Protect Plus, Web Shopper, and EMV Chip Technology.
    • You can make big purchases on your credit card and pay it off in easy instalment plans. RCBC Bankard offers 0% instalment plan, balance conversion, and Easy Terms Instalment.
    • Balance transfers and are also allowed.
    • If you are in need of extra cash, you can avail C.H.A.R.G.E to pay for school related expenses. Cash loans are also offered by RCBC Bankard.
    • It is your best travel companion as the RCBC Bankard credit cards are accepted worldwide and you will be provided with outstanding privileges. You get free travel insurance and purchase protection, access to world-class airport lounges, bonus travel limit, and 0% instalment on purchases made abroad.
    • RCBC Bankard offers convenient online services and helps you to stay more organised with your finances by going paperless.

    Security Feature of RCBC Credit Card

    The following security features are available:

    • Shop secure: If you are buying a big-ticket item online, you can add another layer of protection through Online PIN.
    • Web Shopper: This is ideal for buying small-ticket items online. This is a reference device and you need not reveal your main RCBC Bankard credit card detail to make the payment.
    • EMV Chip Technology: All the RCBC Bankard credit cards are equipped with EMV chip and this increases the security and reduces fraud.
    • Credit Protect Plus: This is a one-stop card protection which will cover for unforeseen events like disability, death, unauthorized purchases, loss or theft of credit card, etc.

    RCBC Credit Card Eligibility

    The eligibility requirements to avail any RCBC Bankard credit cards are as follows:

    • You must be at least 21 years old.
    • You must have a landline in your place or at your workplace.

    RCBC Credit Card Requirements

    You must submit the following documents while applying for RCBC Bankard credit cards:

    • Application form.
    • Valid IDs.
    • Income proof if you are employed – ITR with BIR or Bank Stamp, latest monthly salary slip, original certificate of employment.
    • Income proof if you are self-employed – Latest audited financial statement with BIR or Bank Stamp, Photocopy of ITR with BIR or Bank Stamp.

    Types of RCBC Credit Card

    Following are the various types of credit cards offered by RCBC Bankard:

    1. Visa:
    2. The following are the various types of Visa cards offered by RCBC Bankard:

      Particulars RCBC Bankard Gold Card RCBC Bankard Visa Infinite Card
      Annual fee P3,000 per year P3,600 per year
      Budget tools Spend Analyzer Easy Terms Spend Monitor Fast BillsPay Fast BillsPay Spend Analyzer Spend Monitor Easy Terms
      Security Shop Secure Webshopper EMV Shop Secure EMV Webshopper
      Travel benefits Free international travel insurance- up to P50,000 Free purchase protection – up to P50,000 Miascor lounge access - $12 access per person 0% instalment on purchases abroad and cash advance PIN Free international travel insurance- up to P1 million Free purchase protection – up to P50,000 Miascor lounge access – 1+1 free 0% instalment on purchases abroad, priority pass and cash advance PIN
      Rewards Rewards program is available. The rewards options available are AirMiles, rewards points, and cash rebates. You also get to participate in all-in rewards and all-in rewards online. Rewards program is available. The rewards options available are AirMiles, rewards points, and cash rebates. You also get to participate in all-in rewards and all-in rewards online.
    3. MasterCard:
    4. There are 12 MasterCard credit cards offered by RCBC Bankard. They are:

      • RCBC Bankard Classic card: The annual fee is P1,500 or P800 per year for myDream JCB. Free international travel insurance offered is up to P50,000. You get up to P50,000 free purchase protection. You also get 0% instalment on purchases abroad and cash advance PIN. Rewards program, all-in rewards, and all-in rewards online are not available for my Dream JCB. The rewards option available are AirMiles, rewards points, and cash rebate.
      • RCBC Bankard Diamond card platinum MasterCard: The annual fee is P2,500 per year. Free international travel insurance offered is up to P1 million. You get up to P50,000 free purchase protection. You also get 0% instalment on purchases abroad and cash advance PIN. The rewards option available are rewards points, AirMiles, and cash rebate.
      • RCBC Bankard Black card Platinum MasterCard: The annual fee is P3,600 per year. Free international travel insurance offered is up to P1 million. You get up to P50,000 free purchase protection. You also get 0% instalment on purchases abroad and cash advance PIN. The rewards option available are cash rebates, rewards points, and AirMiles.
      • RCBC Bankard World MasterCard: The annual fee is P3,600 per year. Free international travel insurance offered is up to P1 million. You get up to P50,000 free purchase protection. You also get 0% instalment on purchases abroad, priority pass, and cash advance PIN. The rewards option available are AirMiles, cash rebates, and rewards points.
      • Landmark Anson’s- RCBC Bankard MasterCard: The annual fee is P80 per month. Free international travel insurance offered is up to P50,000. You get up to P50,000 free purchase protection. You also get 0% instalment on purchases abroad and cash advance PIN. The rewards option available are rewards points – shopping vouchers.
      • Wilcon- RCBC Bankard MasterCard: The annual fee is P100 per month. Free international travel insurance offered is up to P50,000. You get up to P50,000 free purchase protection. You also get 0% instalment on purchases abroad and cash advance PIN. The rewards option available are rewards points – shopping vouchers.
      • LJC - RCBC Bankard MasterCard: The annual fee is P80 per month. Free international travel insurance offered is up to P50,000. You get up to P50,000 free purchase protection. You also get 0% instalment on purchases abroad and cash advance PIN. The rewards option available are rewards points – Dining vouchers.
      • Mango - RCBC Bankard MasterCard: The annual fee is P100 per month. Free international travel insurance offered is up to P50,000. You get up to P50,000 free purchase protection. You also get 0% instalment on purchases abroad and cash advance PIN. The rewards option available are rewards points – Shopping vouchers.
      • HBC - RCBC Bankard MasterCard: The annual fee is P80 per month. Free international travel insurance offered is up to P50,000. You get up to P50,000 free purchase protection. You also get 0% instalment on purchases abroad and cash advance PIN. The rewards option available are cash rebates.
      • Sta. Lucia Mall- RCBC Bankard MasterCard: The annual fee is P100 per month. Free international travel insurance offered is up to P50,000. You get up to P50,000 free purchase protection. You also get 0% instalment on purchases abroad and cash advance PIN. The rewards option available are rewards points and cash rebates.
      • RCBC Bankard Corporate card: This card helps you to simplify your business expense management.
      • RCBC Bankard Web Shopper: This card lets you shop online at your convenience. It has an extra layer of security and year-round perks. The card is free for life if you have any existing RCBC Bankard MasterCard or Visa credit card. This card will help you earn rewards points.

      The budget tools offered to these credit cards are:

      • Spend Analyzer
      • EasyTerms
      • Spend Monitor
      • Fast BillsPay

      The security features offered on all the RCBC Bankard MasterCard credit cards are:

      • Shop secure
      • EMV
      • Webshopper

      If you have a RCBC Bankard MasterCard credit card, you can participate in the rewards program and all-in rewards, and all-in rewards online.

    5. UnionPay:
    6. RCBC Bankard offers UnionPay card that is ideal for travellers who frequently travel to China. You can earn double the rewards points for restaurants and hotel spending in China and Hong Kong. You get flexible rewards program and international travel privileges. There are two cards offered:

      • UnionPay Classic:
      • The membership fee is P1,500 per year for principal cardholder and P750 per year for supplementary card. The monthly effective interest rate is 3.55% and the monthly retail EIR is 3.50% - 3.54%. First year membership fee is waived.

      • UnionPay Diamond:
      • The membership fee is P3,000 per year for principal. The membership fee for supplementary card is waived for up to 9 cards. The monthly effective interest rate is 3.55% and the monthly retail EIR is 3.50% - 3.54%. First year membership fee is waived.

    7. Supplementary cards
    8. Supplementary cards are offered by RCBC Bankard for all their credit cards. Though there will be a membership fee charged for it. The membership fee ranges from P40 per year to P700. You will have to look into the credit card document to ascertain the fee charged.

    RCBC Credit Card Rewards

    If you have any RCBC Bankard, you can earn the following rewards:

    • Cash rebates
    • AirMiles
    • Rewards points
    • Shopping vouchers
    • Dining vouchers
    • Cash credit
    • Manager’s cheque

    Insurance on RCBC Credit Card

    You will be eligible for the following insurance plans if you have a RCBC Bankard credit card:

    • Free travel insurance:
    • If you are travelling anywhere in the world, you will get RCBC Bankard Travel Plus Lite Insurance and RCBC Bankard Travel Plus Insurance. You get the following benefits:

      • Accidental death, disablement, or dismemberment benefits.
      • Recovery of expenses due to emergency trip termination or cancellation.
      • Travel inconvenience benefit.
      • Emergency medical treatment for sickness or accident. Car rental protection and sport activities extension in Travel Plus.
    • Free purchase protection:
    • The products purchases will be protected against loss or damage.

    RCBC Credit Card Promo

    You will be eligible for the following promotions:

    • Pre-holiday warehouse sale at Sta. Lucia Mall: You get up to 50% off on certain selections from 4th December to 12th December, 2016.
    • Discount at Lazada: You get additional 10% discount at Lazada when you use the promo code RCBCREVO.
    • Exclusive offers at Honda and Isuzu: You get better deals at Honda and Isuzu YGC dealers when you make payments using RCBC Bankard credit cards.
    • Free Uniqlo Gift certificate: You get P1,000 worth free Uniqlo gift certificate with your RCBC Bankard JCB credit card.
    • Free D’Angelo Pizzeria gift certificate: You get free P200 gift certificate for every P1,500 spent at D'Angelo Pizzeria with your RCBC Bankard credit card.

    RCBC Bankard Fees and Charges

    The fees charged for RCBC Bankard credit cards are as follows:

    Returned cheque fee P1,000
    Invoice retrieval fee P150
    Card replacement fee P300
    Cash advance fee 3% of the amount availed or P500, whichever is higher.
    Late payment fee 7% of the past due or P200, whichever is higher.
    Service fee for foreign currency transactions 3.5% of the converted amount plus assessment fee, if any. Assessment fee is charged by UnionPay.
    Casino or gaming service fee 5% of the transaction or P1,000, whichever is higher.
    Multiple payment fee P40 for every payment in excess of 3 payments in a statement cycle.
    Over limit fee P500
    Dormancy fee P200
    Minimum amount due 5% of the total amount due or P500, whichever is higher.

    How to apply for RCBC Bankard credit card?

    If you wish to apply for a RCBC Bankard credit card, you can visit the nearest branch. If you have access to internet, you can go to the official RCBC Bankard website and apply for your credit card online.

    You can also apply for a credit card through InstaCard Program. You will have to:

    • Choose the right card for you.
    • Go to the nearest RCBC Bankard branch and open an InstaCard account.
    • Then open a CASA account.
    • Submit the relevant documents, such as InstaCard application form, CASA opening forms, Deed of assignment, and Valid IDs.

    RCBC Bankard Credit Card Hotline

    To get in touch with RCBC Bankard for insurance protection or any other queries, you can call 888-1-888.

    More Read on RCBC Credit Card

    FAQs about RCBC Credit Card

    1. How can you make points inquiry?
    2. The total points will be printed at the bottom of your charge slip. You can also call the customer service to check the available points.

    3. How do I redeem the points?
    4. The points can be redeemed at the point-of-sales counter. You need to inform the cashier the number of points you want to redeem. The cashier will swipe your credit card for the value of the points. If you want to redeem fuel points, you must call the customer service and the points will be credited to your Petron Value card.

    5. What are the different modes of rewards redemption?
    6. You can redeem your rewards for cash rebate, AirMiles, shopping voucher, cash credit to your credit card, deposit to your savings account, manager’s cheque, and donation.

    7. Will my credit limit be reduced if I choose the instalment program?
    8. Yes, you credit limit will be reduced by the amount of the purchase you converted to instalment.

    9. How can I avoid paying interest on my RCBC Bankard credit card?
    10. If you pay your total balance in full, you can avoid paying interest.

    11. How to report a lost or stolen card?
    12. If you have lost your credit card, you must immediately call the bank and block your card. You can then apply for a replacement card. The card replacement fee charged is P300. You can call 888-1-888 to report the lost card.


    News About RCBC Credit Cards

    • 21% Rise in Earnings by RCBC in just 9 Months

      The Rizal Commercial Banking Corporation observed a rise by 21% in a span of 9 months thereby building a strong foundation for the steady growth of its core businesses.

      Reports from the Philippines Stock Exchange say that RCBC’s net income was recorded at Php 3.64 billion from January to September 2015. This is Php 630 million higher than the observed Php 3.01 billion for the same period last year. Not only this, the bank’s net interest income was totalled at Php 11.46 billion from its outstanding portfolio of loans in just the first nine months of the year.

      Apart from a growth of 19% in corporate loans and a 17% rise in consumer lending, the bank's loan book saw a whopping growth of 19% to an amount of Php 280.85 billion.

      RCBC’s net interest income quarterly has only been increasing consistently quarter on quarter this financial year in spite of the competition in the financial services sector in the Philippines.

      The bank’s reserve cover was seen to stand at an unbelievable number of 154.57% at the end of September 2015, thereby reinstating the fact that their businesses are healthy and their numbers speak volumes for their performance and quality in the finance and banking industry.

      10th November 2015

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