RCBC Bankard CLASSIC Credit Cards

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

*Available to RCBC Bankard MasterCard, Visa and JCB.

Wide Recognition and International Acceptance
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.

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, Free Purchase Protection, Free Concierge Service, Free us of the Miascor Lounge and 0% Installment for your purchases abroad. Learn more about Fully-Loaded Travel Privileges here.

[Exclusive to JCB Cardholders only] JCB Plaza Lounge offers free access to all JCB cardmembers in mostly popular tourist shopping areas, where cardholder can avail a variety of services for their travel needs. Learn more about JCB Plaza Lounge here.

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.

Flexible Rewards Program
(Remarks: myDream JCB is excluded from Rewards Program)

Earn one (1) rewards point each time you charge P36 to your card or P125 from supermarkets, drugstores, or gas stations.  Cardholders can choose to redeem: a) Shopping Vouchers at more than 100 top stores nationwide, b) Credit to your RCBC Bankard, c) deposit to your RCBC Savings or Checking account, and more.  Alternatively, Cardholders can also enroll in the RCBC Bankard AIRMILES Program to earn RCBC Bankard AIRMILES, instead of Rewards Points.  They can also choose to enroll in the RCBC Bankard CASH REBATE Program, to enjoy instant cash rebates, with no limits!

Cash Advance
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/Retail Monthly Effective Interest Rate* Cash Advance Monthly Effective Interest Rate*
CLASSIC MasterCard/VISA/JCB P1,500/year P750/year 3.50%/3.54% 3.55%
MyDream JCB P800/year P400/year 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 Gaming Transactionse 5% of every transactions or P1,000, 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.
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.
  • Free Red Ribbon Bundle Treats Free Red Ribbon Bundle Treats - Get your favorite Red Ribbon treats for free when you use your RCBC Bankard for your installment purchases!
  • Visit Cebu with JCB! Visit Cebu with JCB! - Travel to Cebu with your RCBC Bankard JCB and enjoy discounts from top hotels in the city.


  •  You must be at least 21 years old.
  •  You must have a landline in your place or work/business.
  •  You must submit

Select a card to begin your application

RCBC Babkard MasterCard Classic  RCBC Bankard Visa Classic  RCBC Bankard JCB Classic  RCBC Bankard myDream JCB