Mango-RCBC Bankard MasterCard

Mango-RCBC Bankard Mastercard

Want to glam up in style the Mango fashionista way? Get this card and stay on top of the latest Mango events and product releases at exclusive rates. You can even pay in installment!

  • Exclusive Members-Only Sale available only to Mango-RCBC Bankard cardmembers
  • 0% installment at 3 and 6 months at any Mango, H.E. by Mango, Mango Kids, and Mango Touch stores

 

Exclusive Privileges

  • 0% installment at 3 and 6 months at any Mango, H.E. by Mango and Mango Touch store
  • Exclusive Members-Only Sale available only to Mango-RCBC Bankard cardmembers
  • Priority access to next season’s catalog offers
  • First-hand advice on the latest hot offers

 

Rewards Program

Earn one (1) rewards point each time you charge Php125 or Php250 from supermarkets, drugstores, or gas stations. Redeem your Rewards Points and exchange them for Shopping Vouchers or credit to your RCBC Bankard account.

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

MANGO 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*
MANGO RCBC Bankard Mastercard P100/month P75/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.