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RCBC Bankard MasterCard


RCBC Bankard MasterCard Credit Card

RCBC Bankard MasterCard

Accepted at millions of locations worldwide, RCBC Bankard MasterCard serves as your key to international shopping and entertainment payment convenience. Just look for the MasterCard logo and enjoy financial flexibility and unsurpassed acceptance.

Thank goodness for RCBC Bankard MasterCard !

To get your card, click here.

For the RCBC Bankard InstaCard Table of Fees & Charges, please click here.

Basic Card Benefits and Features

Wide Recognition and International Acceptance

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.

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Peso Payment Convenience

Bankard cardholders can charge in various currencies abroad and pay in pesos when they get back home.

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RCBC Bankard Easyterms Installment

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 Bankard Customer Service to convert their retail purchases to installment.

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Balance Conversion

A feature of the Bankard Installment program, this allows cardholders to convert their outstanding balance or upcoming retail transactions to installment just by calling Bankard Customer Service at 888-1-888.

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Power Packed Bankard Rewards Program

Committed to providing you with the best in credit card benefits and features, we have revitalized and reformulated your Rewards Program to give you a more rewarding credit card experience you are not likely to forget. Unquestionably the most rewarding so far, the RCBC Bankard Rewards Program is also the most flexible as it offers various ways by which you can use your accumulated points including exchanging your points for cash which you can use to either pay your outstanding balance or to purchase other items you want. No need to restrict your choices to items printed in a catalog! Click here for details.

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Wide Range of Payment Options

Bankard cardholders have access to the widest range of payment options and can settle their monthly credit card bills via any of the following:

  1. Online via the Bankard website at www.Bankard.com for cardholders with BancNet ATM accounts
  2. Peso payment at any ATM of the following BancNet member banks: RCBC, RCBC Savings Bank, Metrobank, Allied Bank, Philtrust Bank, Manila Bank, Security Bank, Banco Filipino, PSBank, China Bank, Export & Industry Bank, Asia United Bank, United Overseas Bank, City State Bank, and East West Bank.
  3. Over-the-counter transactions for peso payments* in cash or check at any branch of:
    • RCBC
    • RCBC Savings Bank
    • Metrobank (for Metrobank depositors only)
    • Union Bank
    • East West Bank
    • Banco de Oro
    • SM Bills Payment Counter (from 10:00 am to 7:00 pm, Mondays thru Sundays)
    • Equitable PCI Bank (Note: EPCIB charges P10.00 per bill paid by non-depositors)
    • Bayad Centers at select malls

    * Dollar payments for dollar cards are accepted at all branches of RCBC (dollar notes only); RCBC Savings Bank (dollar notes and checks); and Equitable PCI Bank (dollar notes and checks)

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Customer Service Toll-Free Numbers

Cardholders can call Bankard anywhere from over 20 countries just by dialing +8000-BANKARD (where “+” is the country access code). When in the Philippines but outside of Metro Manila, they can call Bankard at1-800-10-888-1888 using PLDT NDD access. Within Metro Manila, they can call Bankard Customer Service via 888-1-888.

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Cash Advance

Cardholders have access to cash on their RCBC Bankard MasterCard , RCBC Bankard Visa or RCBC Bankard JCB of as much as 30% of their credit limit at any ATM bearing MasterCard Cirrus or Visa Plus signs across the US and in other countries and territories worldwide.

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Services

RCBC Bankard MasterCard

Fees & Charges

RCBC Bankard MasterCard

RCBC Bankard GOLD MasterCard/Visa/JCB Peso/DollarTable of Fees and Charges

Joining Fee

waived

Membership Fee Principal

P3,000/year or US$100/year

Membership Fee Supplementary

P1,500/year or US$50/year

Finance Charge

3.50% (for Peso) or 2.00% (for Dollar)

Returned Check Fee

P500/ US$20

Invoice Retrieval Fee

P150/ US$5

Card Replacement Fee

P300/ US$25

Minimum Amount Due

5% of outstanding balance or P500/US$15, whichever is higher

Cash Advance Fee

3% of cash amount availed of or P500/US$3, whichever is higher

Late Payment Fee

7% of past due amount or P200/US$5, whichever is higher

Installment Pre-termination Fee

Php500 or 5% of the unpaid principal amount, whichever is higher

Service Fee for Foreign Currency Transactions

1.03% of the converted sum plus reimbursement of the assessment fee charged by Visa/Mastercard/JCB to Bankard equivalent to 1% of the converted sum.

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.

RCBC Bankard CLASSIC MasterCard/Visa/JCB Peso/Dollar Table of Fees and Charges

Joining Fee

waived

Membership Fee Principal

P1,500/year or US$50 /year

Membership Fee Supplementary

P750 /year or US$25/year

Finance Charge

3.50% (for Peso) or 2.00% (for Dollar)

Returned Check Fee

P500/ US$20

Invoice Retrieval Fee

P150/ US$5

Card Replacement Fee

P300/ US$25

Minimum Amount Due

5% of outstanding balance or P500/US$15, whichever is higher

Cash Advance Fee

3% of cash amount availed of or P500/US$3, whichever is higher

Late Payment Fee

7% of past due amount or P200/US$5, whichever is higher

Installment Pre-termination Fee

P500 or 5% of the unpaid principal amount, whichever is higher

Service Fee for Foreign Currency Transactions

1.03% of the converted sum plus reimbursement of the assessment fee charged by Visa/Mastercard/JCB to Bankard equivalent to 1% of the converted sum.

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.


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