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
  • 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!

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 Gold Cards Fees & Charges

CARD BRAND Membership Fee Principal Membership Fee Supplementary Monthly Interest Rate
GOLD MasterCard/VISA/JCB P3,000/year P1,500/year 3.50%
Other Fees
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.


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

Begin your application