RCBC Bankard Gold Cards
The card for those moving up the ladder of success.
- 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
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.
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
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!
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 Gold 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.|
- Experience RCBC Bankard DESTINATION discount and treats all year round!
- Explore more, spend less! Get 10% OFF at Hotels.com with RCBC Bankard MasterCard.
- Charge a minimum of Php1,500 to your RCBC Bankard and get a chance to win ONE MILLION REWARDS POINTS!
- Earn Bonus rewards and the chance to win an iPhone 6 when you pay via RCBC Bankard Fast BillsPay!
- For every 3 IMAX ticket purchased with your RCBC Bankard JCB Card, get 1 FREE IMAX ticket.
- Use your MasterCard to enjoy unique offers and year-round discounts at Resorts World Sentosa.
- Use your RCBC Bankard JCB and get a chance to win one of 150 units of Sony Xperia Z3.
- Enjoy added benefits at Resorts World Manila by using RCBC Bankard Visa card!
- Enjoy great discount deals with your RCBC Bankard JCB!
- Shop with RCBC Bankard Visa at The SM Store to win SM Gift Passes everyday!