RCBC Bankard Classic Cards
The cards for the young professional enjoying financial independence.
- Earn Flexible Rewards Points from all your purchases
- Secure shopping – online and in stores – we’ve got you covered
- Convert big-ticket purchases to installment
- Wide recognition and international acceptance wherever you are
First Year Membership Fee Waived
RCBC Bankard credit cards are widely accepted and recognized by major establishments throughout the country and in various establishments worldwide. Cardholders only need to look for the MasterCard, Visa and JCB logos to enjoy financial flexibility and world-class service.
Travel Insurance Program
Enjoy safety and convenience when travelling anywhere in the world through your RCBC Bankard’s FREE TRavel Insurance. Learn more about Travel Plus Lite Insurance Program here.
Peso Payment Convenience
RCBC Bankard cardholders can charge in various currencies abroad and pay in pesos when they get back home.
RCBC Bankard Easyterms Installment
RCBC Bankard’s Installment Program, known as RCBC Bankard Easyterms, allows cardholders to purchase big-ticket items and pay at (1) 0% interest for 3, 6, or 12 months or (2) low monthly interest rates at regular installment terms. Cardholders can also purchase anything they want on retail then call RCBC Bankard Customer Service to convert their retail purchases to installment.
A feature of the RCBC Bankard Installment program, this allows cardholders to convert their outstanding balance or upcoming retail transactions to installment just by calling RCBC Bankard Customer Service at 888-1-888.
Flexible Rewards Program
Whether it’s AIRMILES, CASH REBATE, GIFT VOUCHERS, or CASH CREDIT to your RCBC account, your RCBC Bankard leaves the choice up to you! It’s the only credit card with the most flexible rewards program. Click here for details.
Have instant access to cash wherever you are in the world with your RCBC Bankard! You can get up to 30% of your credit limit, via cash withdrawal at any ATM bearing the Cirrus or Visa sign logo.
RCBC Bankard Classic Cards Fees & Charges
|CARD BRAND||Membership Fee Principal||Membership Fee Supplementary||Monthly Interest Rate|
|First Year Membership Fee||Waived|
|Returned Check Fee||P1,000|
|Invoice Retrieval Fee||P150|
|Card Replacement Fee||P500|
|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||Up to 3.5% of the converted amount representing the Bank’s service fee and any assessment fee(s) charged by MasterCard/Visa/JCB/UnionPay.|
|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, finance charge at prevailing interest rates will be computed on the Daily Outstanding Balance of your account (including any fixed monthly installment amount/s) from the dates of the transactions until the end of the current statement period.
Interest rates are quoted based on a 30-day period.
- Avail of exceptional accommodation packages from the finest iconic global hotels in the city.
- Convert ALL your single-receipt straight purchases to Unli 0% Installment for 3 months!
- Use your RCBC Bankard ANYWHERE and enjoy 2X Rewards Points plus a chance to win Honda Brio!
- Experience RCBC Bankard DESTINATION discount and treats all year round!
- Enjoy great dining deals with your RCBC Bankard JCB!
- Buy 3 Eastwood Cinema movie tickets using your RCBC Bankard Visa and get 1 ticket for FREE!
- Level up your look with an extra 10%OFF storewide with your RCBC Bankard MasterCard.