Fully Booked-RCBC Bankard Mastercard
With this card, reading gets more exciting in many ways!
- FREE Fully Booked Gift Certificate as a welcome gift*
- Get additional savings of as much as 10% rebate* at Fully Booked stores
- Special Buys/Private Sale Events
Terms & Conditions apply
All book lovers have a place they call home – to gain knowledge, to gain peace and NOW, to get even more rewarded!
*FREE Fully Booked Gift Certificate
As a welcome treat, a FREE Fully Booked Php500 Gift Certificate will be yours for a minimum accumulated spend of Php12,000 anywhere within the first 3 months of card issuance.
- The FREE P500 Book Voucher will be given to newly approved principal cardholders for a minimum accumulated retail purchase worth at least P12,000 spent anywhere within the first 3 months from card issuance.
- Only the principal cardholders will be given the FREE P500 Book Voucher.
- The Book Voucher can be exchanged by principal cardholders for a Fully Booked Gift Certificate (GC) worth P500 at any branch of Fully Booked.
- Only the principal cardholder may exchange the Book Voucher for a Fully Booked Gift Certificate worth P500.
- When claiming the Fully Booked GC, the principal cardholder must present the Book Voucher together with his/her Fully Booked RCBC Bankard credit card and the required accumulated charge slips totalling P12,000 spent anywhere. The Book Voucher and the required charge slips must be surrendered to Fully Booked upon claiming of the Fully Booked GC.
- Lost Book Vouchers will not be replaced.
- The Book Voucher is not convertible to cash.
- The Book Voucher cannot be combined with the discount/rebate privileges of the card.
- The Book Voucher is valid for four (4) months from card issuance.
Year-Round 10% Discount
Enjoy an INSTANT 10% discount all year-round on your purchases at Fully Booked stores. That’s big savings while indulging in your passion for reading.
- Fully Booked RCBC Bankard cardholders must use their Fully Booked RCBC Bankard credit card to pay for their purchases in order to avail of the discount.
- The discount is not applicable to magazines, office supplies, CDs, DVDs, consigned items and gift certificates.
As much as 10% Rebate
Get additional savings of as much as 10% rebate at Fully Booked stores when you charge a minimum accumulated outstore spend of P20,000 per billing statement. Plus, earn 0.50% rebate on your outstore spend. (Outstore spend refers to all purchases outside Fully Booked stores, such as dining, supermarket, shopping, gas, airline, etc.; excludes cash advance, balance conversion and balance transfer.) You can earn as much as P1,000 worth of rebates per monthly billing statement or up to P12,000 per year! Rebates earned shall be conveniently reflected on your monthly statement.
|Required Accumulated Amount of Transactions* Outside Fully Booked (Outstore spend) per Billing Statement||Rebate at Fully Booked||Rebate for Transactions* Outside Fully Booked|
|P20,000 and up||10%||0.50%|
|P10,000 – P19,999||5%|
*Excluding cash advance, balance conversion & balance transfer.
- To qualify for the Rebate, cardholder’s Fully Booked RCBC Bankard account should be active and in good credit standing at the time of the computation of the Rebate (i.e., on statement cut-off date).
- Rebate shall be automatically credited to the cardholder’s Fully Booked RCBC Bankard account on next billing.
- For Installment transactions (excluding balance conversion and balance transfer), rebate computation will be done only when the monthly amortization is posted.
- RCBC Bankard shall use the Merchant Number assigned to the RCBC Bankard POS Terminals as basis for determining transactions at Fully Booked stores.
- The Rebate shall have a maximum cap of P1,000 per monthly billing statement.
- The Rebates are not transferrable to another person or to another RCBC Bankard card account.
- Where Rebates have been credited to the cardholder’s Fully Booked RCBC Bankard account and/or used before the purchase is charged back, the Card account will be debited for the credited Rebates.
- Fraud and abuse relating to the earning or redemption of Rebates may result in forfeiture of Rebates and termination of the cardholder’s Fully Booked RCBC Bankard account.
- The Rebate rates and the basis of calculation of Rebates are subject to change at RCBC Bankard’s sole discretion.
- Any handling fee and corresponding tax arising from the Rebates shall be the sole liability of the Fully Booked RCBC Bankard cardholder.
- The decision of RCBC Bankard on all matters relating to the Rebates shall be final. RCBC Bankard shall not be liable to the cardholder for any damages or penalty arising from or in connection with the rebate program.
Here’s a sample computation on the savings from Discounts and Rebates earned:
|Merchant||Purchase Amount||10% Discount Earned||% Rebate||Rebates Earned|
|A store in Singapore||P5,000||–||0.50%||P25|
|Online Booking Airline||P4,000||–||0.50%||P20|
|Total Discount Earned for the Month||P500|
|Total Discount Earned for the Year (P500 x 12, assuming same spend every month)||P6,000|
|Total Rebates Earned for the Month||P630|
|Total Rebates Earned for the Year (P630 x 12, assuming same spend every month)||P7,560|
|Total Discount & Rebates Earned for the Month (P500+P630)||P1,130|
|Total Discount & Rebates earned for the Year (P6,000+P7,560, assuming same spend every month)||P13,560|
0% Easyterms Installment
Avail yourself of 0% EasyTerms Installment on selected items at Fully Booked stores at 3 and 6 months installment terms for a minimum purchase of Php3,000 and Php5,000, respectively.
- Cardholders may avail of 0% Interest Installment on selected items at Fully Booked stores at 3 and 6 months installment terms for a minimum purchase of P3,000 and P5,000, respectively.
- Fully Booked reserves the right to determine which items can be purchased on 0% Installment.
- Existing terms and conditions of EasyTerms Installment will apply.
- Special Buys/Private Sale Events
Enjoy special buys/private sale events at all Fully Booked stores. To avail of the special buys/private sale events, you must use your Fully Booked RCBC Bankard MasterCard to pay for the item/s.
- Advance Notice on New Arrivals/Special Events/Promos
Be the first to know Fully Booked’s new arrivals or special events/promos such as book signing, exhibits, workshops, etc.
Fully Booked RCBC Bankard Mastercard Fees & Charges
|CARD BRAND||Membership Fee Principal||Membership Fee Supplementary||Monthly Interest Rate/Retail Monthly Effective Interest Rate*||Cash Advance Monthly Effective Interest Rate*|
|Fully Booked RCBC Bankard Mastercard||P125/month||P75/month||3.50%/3.54%||3.55%|
|First Year Membership Fee||Waived|
|Returned Check Fee||P1,000|
|Invoice Retrieval Fee||P150|
|Card Replacement Fee||P300|
|Cash Advance Fee||3% of cash amount availed of or P500, whichever is higher|
|Late Payment Fee||7% of past due amount or P200, whichever is higher|
|Installment Pre-Termination Fee||5% of the unpaid principal amount or P500, whichever is higher|
|Service Fee for Foreign Currency Transactions||3.5% of the converted amount representing the Bank’s service fee and any assessment fee(s) charged by Mastercard/Visa/JCB/UnionPay|
|Gaming/Casino Service Fee||5% of every transaction or P1,000, whichever is higher|
|Multiple Payment Fee||P40 for every payment in excess of 3 payments within a statement cycle in non-RCBC payment channels: Bancnet, BDO, BPI, CIS Bayad Center, Megalink, SM Payment Center, Unionbank|
|Over Limit Fee||Effective November 16, 2016, an Over Limit Fee of P500 will be charged on cycle day when the Outstanding Balance plus unbilled Installment exceeds the account’s permanent credit limit on cycle day. If an account has stand-alone Installment limit, the account will be considered Over Limit if the sum of the regular Outstanding Balance, Installment Outstanding Balance, and unbilled Installment exceeds the sum of the regular credit limit and stand-alone credit limit on cycle day.|
|Dormancy Fee||Effective January 2017, all active cards with negative balance, will be charged a Dormancy Fee of P200 or an amount equivalent to the credit balance (whichever is lower) if there is no activity for 24 months. Likewise, all blocked/closed accounts with negative balance, will be charged with a Dormancy Fee of P200 or an amount equivalent to the credit balance (whichever is lower) if there is no activity for 3 months.|
|Minimum Amount Due||The sum of (a) 5% of Total Amount Due or P500, whichever is higher; (b) Past Due Amount (if any); (c) Current Late Charges; and (d) Over-Limit Amount|
|If you pay any amount less than the Closing Balance/Total Amount Due or make a cash advance transaction, interest charge at the interest rate of your card will be computed on the Daily Outstanding Balance of your account (including any fixed monthly installment amount/s) from the date of the transactions until the end of the current statement period.|
|*Interest rates are quoted based on a 30-day period. Monthly Effective Interest Rate (EIR) is derived for a principal amount of P20,000.00 with an assumption that the cardholder pays the minimum amount due one day after the statement date. Cash Advance Fee is considered in the derivation for Cash Advance EIR.|