Sta. Lucia Mall-RCBC Bankard MasterCard

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

Mall-Wide Rewards

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

Rewards Points

Sta. Lucia Department Store and Planet Toys


1 point for every Php100
Php10,000 and up

5 point for every Php100

Home Gallery


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
Bioessence 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.

Other Privileges

  • 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%
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.