RCBC Bankard Black Card Platinum Mastercard
The highly prestigious card for highly career-oriented individuals who seek the finer aspects of life.
- Non-expiring Rewards Points
- Free Travel Insurance up to Php1,000,000
- Free Purchase Protection up to Php50,000
- Free access to the Miascor and Skyview Lounges
- Up to five (5) supplementary cardholders with free annual membership fees for life
The Black Card is your passport to a world of superior convenience and world-class privileges available not just to anyone but to an esteemed circle of members whose impeccable record and status as cardholders have deemed them worthy. With a design and color that signifies power, dignity and elegance, your new Black Card will not only inspire awe but command respect. So step right in and discover what it’s like to be among a rare and honored few.
Available Card Variants
- RCBC Bankard Black Platinum Mastercard PESO
- RCBC Bankard Black Platinum Mastercard DOLLAR
Flexible Rewards Program
For PESO Black Card, earn one (1) rewards point each time you charge P36 to your card or P125 from supermarkets, drugstores, or gas stations.
For DOLLAR Black Card, get one (1) Rewards point for every US$1.00 you charge.
You can choose how you want to be rewarded from a selection of flexible modes of redemption:
- Cash Rebates
- Shopping Vouchers at top establishments
- Cash Credit to your RCBC Bankard
- Deposit to your RCBC or RCBC Savings Account
- Manager’s Check
There is no limit on how much you can earn, and your rewards never expire!
International Travel Privileges
Your RCBC Bankard is the best travel companion for your trips abroad or to that dream holiday destination. Charge all your travel-related needs to your RCBC Bankard and load up on exciting travel perks and benefits –
- Free Travel Insurance (Travel Plus) up to P1,000,000 & Free Purchase Protection
- Free Access to the Miascor and Skyview Lounges for the Principal cardholder plus one (1) travel companion
- 0% Installment for your purchases abroad
Free-for-Life Supplementary Card (maximum of 5)
Share the world-class and high-status benefits and privileges of your Black Card with your loved ones with the first FIVE supplementary cards FREE FOR LIFE!
Automatic Reversal of Annual Membership Fee
Annual membership fee is automatically reversed or waived upon card renewal if your total accumulated billings charged for the last 12 months is at least P500,000.
RCBC Bankard Black Card Platinum 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*|
|Black Card Peso||P3,600/year||waived up to 5 Supplementary Cards, in excess P1,800/year||3.50%/3.54%||3.55%|
|Black Card Dollar||US$100/year||waived up to 5 Supplementary Cards, in excess US$50/year||2.50%/2.53%||2.533%|
|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 (US$10 for dollar cards), whichever is higher|
|Late Payment Fee||7% of past due amount or P200 (US$5 for dollar cards), 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/US$25, 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 Php 500 (US$10 for dollar cards) 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 (US$4 for dollar cards) 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 P200.00 (US$4 for dollar cards) 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 (US$15 for dollar cards), 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.|