RCBC Bankard GOLD Credit Cards


RCBC Bankard Gold Cards

The card for those moving up the ladder of success.

  • Earn Flexible Rewards Points from all your purchases
  • Budget tools that give you financial control and empowerment
  • Secure shopping – online and in stores – we’ve got you covered
  • Convert purchases, outstanding balance and payables to installment
  • Free International Travel Insurance & Purchase Protection


Flexible Rewards Program

Earn one (1) rewards point each time you charge P36 to your card or P125 from supermarkets, drugstores, or gas stations. 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 –

RCBC Bankard Gold 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*
GOLD MasterCard/VISA/JCB P3,000/year P1,500/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 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.

Select a card to begin your application

RCBC Bankard MasterCard Gold  RCBC Bankard Visa Gold  RCBC Bankard JCB Gold