Sta. Lucia Mall-RCBC Bankard Mastercard
The first mall-wide card that lets you earn rewards and rebates, avail discounts and installments and exclusive privileges.
- Earn 1 Rewards Point for every Php100 purchases at Sta. Lucia Mall Department Store, Home Gallery and Planet Toys
- 5% Rebate for all retail transactions
- 1% year-round discount and members’ only priority lane at Sta. Lucia Supermarket
- FREE Movie Pass at Sta. Lucia Mall
- Exclusive advance sale events
Terms & Conditions apply
Earn Rewards points on your purchases each time you use your card at Sta. Lucia Department Store, Home Gallery and Planet Toys. Get one (1) Rewards Point for every Php100 purchase and earn as much as 5X Rewards points for purchases of at least Php10,000. See Rewards Table below:
|Participating Stores||Transaction Amount||
|Sta. Lucia Department Store and Planet Toys||
|1 point for every Php100|
|Php10,000 and up||
5 point for every Php100
1 point for every Php100
For Installment transactions, the transaction amount refers to the amount of the monthly amortization.
Rebate for all Transactions
Get a 0.5% Rebate for ALL retail transactions using your Sta. Lucia Mall-RCBC Bankard Mastercard.
Discounts and Freebies all year round
|Sta. Lucia Supermarket||1% Discount|
|Sta. Lucia Cinema||FREE Movie Pass = Php3,000 purchase at Sta. Lucia partner-stores|
|Aspen Spas||10% Discount|
|The Athlete’s Foot||10% Discount|
|Unica Hija||10% Discount|
|PowerPlay Music & Sports||10% Discount on selected items|
|Brickroad Fitness||Discount on Membership – 10% on 3 mos.; 15% on 6 mos.; 25% on 1 year|
|Express Miles Travel & Tours||50% OFF on service on all paid local and international bookings|
|Figaro||FREE 1.8 oz. Brewed Coffee or 12 oz. Iced Tea for a min. spend of Php250|
|Vision Express||FREE Eye Examination|
|Blue Magic||FREE Keychain for every Php1,000 purchase|
Year-Round FREE Movie Pass
Shopping at Sta. Lucia Mall is fun but the best part is what you do after – relax and see a FREE MOVE! Get a FREE movie pass when you use your card for a minimum purchase of Php3,000 at any of the participating stores at Sta. Lucia Mall.
- Enjoy priority lane check-out at Sta. Lucia Supermarket when you use your card to pay for your purchases.
- Beat the shopping rush and be ahead of everyone at exclusive advance sale events at Sta. Lucia Department Store, Planet Toys and Home Gallery. To enjoy the discounts, make sure to use your card to pay for your purchases during the sale.
- Enjoy FREE entrance and access to the facilities of the Royale Tagaytay Country Club any day of the week. Just present your card at the club entrance.
Sta. Lucia Mall RCBC Bankard Mastercard Fees & Charges
|CARD BRAND||Membership Fee Principal||Membership Fee Supplementary||Monthly Interest Rate/Retail Monthly Effective Interest Rate*||Cash Advance Monthly Effective Interest Rate*|
|Sta. Lucia Mall RCBC Bankard Mastercard||P100/month||P50/month||3.50%/3.54%||3.55%|
|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.|