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.

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 & Purchase Protection, Free Worldwide Concierge Service,Access to the Miascor Lounge and 0% Installment for your purchases abroad.

[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.

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/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 Gaming Transactions 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.
  • Epic Dining by Visa Epic Dining by Visa - Enjoy great deals from the top restaurants, bars, and clubs in Metro Manila and Cebu when you use your RCBC Bankard Visa.
  • Visa-Sofitel-TN Dining Offers at Sofitel - Get exclusive dinning offers at Spiral, La Veranda and Le Bar at SOFITEL with your RCBC Bankard Visa.

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