Wilcon-RCBC Bankard Mastercard
The card that helps you build your dream house. Use it to purchase materials to protect your home or do the makeovers or repairs you have long wanted to undertake.
- Separate Installment Limit for your big-ticket installment purchases
- Earn 3X rewards points for your purchases at Wilcon
Separate Installment Limit
Enjoy a separate Installment Limit for your big-ticket installment purchases to leave your regular credit card limit free for your regular purchases. Your Installment Limit will be equivalent to your regular credit limit.
- 0% EasyTerms Installment on selected items at Wilcon at 3, 6, 9 and 12 installment terms for a minimum purchase of P3,000.
- Special Buys at all Wilcon stores
- D-I-Y or Home Improvement Workshops
- 25%OFF on Home Protect Business Protect Insurance from Malayan Insurance
Earn one (1) rewards point each time you charge P200, plus earn 3X rewards points for your purchases at Wilcon. Accumulate these rewards points and redeem them as Rewards Vouchers which you can use at Wilcon.
There is no limit on how much you can earn, and your rewards never expire!
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 (Travel Plus Lite) & Purchase Protection
- Access to the Miascor and Skyview Lounges for a fee of US$12.
Want the access fee waived? Charge at least US$200 abroad (single or accumulated spend) then call 888-1888, to request for the waiver.
- 0% Installment for your purchases abroad
Wilcon 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*|
|Wilcon RCBC Bankard Mastercard||P100/month||P75/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.|