Landmark Anson’s-RCBC Bankard MasterCard

 

Landmark Anson’s-RCBC Bankard Mastercard

The breakthrough card that combines the benefits of a loyalty card, discount card, and credit card ALL-IN-ONE.

  • 5% Rebate on your Landmark Department Store, Landmark Supermarket and Anson’s
  • Get Rewards Points for your purchases outside Landmark.

 

Weekday-Rebate

*5% Rebate

5% Rebate on your Landmark Department Store, Landmark Supermarket and Anson’s** purchases every Mondays-Fridays, straight-charge transactions only, to be reflected in your statement.

**For your Anson’s purchases, maximum of P3,000.00 worth of single-receipt purchase is allowed.

 

Terms and Conditions for the 5% Rebate

  1. The 5% Rebate is applicable to Monday-to-Friday straight-charge purchases made using the Landmark-Anson’s RCBC Bankard credit card at The Landmark Department Store, Landmark Supermarket and Anson’s. Installment transactions are not included in the computation of the 5% Rebate.
  2. The 5% Rebate at Anson’s is applicable only to regular items (small home and kitchen appliances only) and is allowed only for single-receipt, straight-charge purchases not exceeding the maximum amount of P3,000.00.
  3. Rebate earned will be reflected in the cardholder’s monthly statements.
  4. Qualified transactions for Rebate will be based on transaction date.
  5. Computation of the Rebate will start on the statement cut-off date and the posting of the Rebate to be done the following statement date.
  6. To qualify for the Rebate, the Landmark-Anson’s account of the cardholder should be active and in good credit standing at the time of the computation of the Rebate (i.e. on statement cut-off date).
  7. There will be no annual maximum cap of the Rebate earned. However, RCBC Bankard reserves the right to put a maximum cap at anytime as it deems necessary.
  8. The Rebates are not transferrable to another person or to another RCBC Bankard account.
  9. Where Rebates have been credited to the cardholder’s Landmark-Anson’s Card account and/or used before the purchase is charged back, the Card account will be debited for the credited Rebates.
  10. Fraud and abuse relating to the earning or redemption of Rebates may result in forfeiture of Rebates and termination of the cardholder’s Co-brand account.
  11. The Rebate rates and the basis of calculation of Rebates are subject to change at RCBC Bankard’s sole discretion.
  12. Any Handling fee and corresponding tax arising from the Rebates shall be the sole liability of the Co-brand cardholder.

 

Rewards Program

Earn one (1) rewards point each time you charge Php50 at Landmark and Anson’s purchases or Php83.33 elsewhere. Redeem your Rewards Points and exchange them for Landmark Gift Certificates or credit to your RCBC Bankard account.

There is no limit on how much you can earn, and your rewards never expire!

 

Landmark-Anson’s 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*
Landmark Anson’s RCBC Bankard Mastercard P80/month P40/month 3.50%/3.54% 3.55%
Other Fees
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.