Phoenix RCBC Bankard Mastercard

Enjoy pulse-racing lifestyle privileges.

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Why Choose Phoenix RCBC Bankard Mastercard?
  • 5% fuel rebate on Phoenix Fuel purchases at participating Phoenix Fuel Stations nationwide
  • Php500 worth of Phoenix Fuel to be credited to your Phoenix RCBC Bankard Mastercard for a minimum fuel spend of Php2,000 at participating Phoenix Fuel Stations nationwide within 75 days from card issuance date.
  • Up to three (3) Free Towing and Emergency Assistance per year
  • Free Accident Insurance through Assist & Assistance Concept (A & A Concept)
  • Earn flexible, non-expiring Rewards points from all your purchases which you can exchange for AIRMILES, Shopping Vouchers, or Cash Credit to your RCBC Bankard
  • International Travel Privileges – Travel Plus Lite Insurance, Purchase Protection and Access to the Skyview Airport Lounge
        

5% Fuel Rebate

Earn five percent (5%) fuel rebate on your Phoenix Fuel purchases for personal consumption using your RCBC Phoenix Bankard Mastercard at participating Phoenix Fuel Stations nationwide.  See the complete list of participating Phoenix stations here.

You can enjoy a maximum monthly rebate of Php 500 to be computed on transactions posted per statement cycle. As a Principal cardholder, if you have Supplementary cardholder/s, the rebates earned on Phoenix fuels transactions of your supplementary cardholder/s will be credited to your account.

You can redeem at a minimum and in increments of Php 200 worth of fuel rebates by simply calling RCBC Bankard Customer Service Hotline at 888-1-888.  Please ensure that your card is active and in good standing at the time of redemption.

The redeemed fuel rebate will be posted to your account as a deduction from the outstanding balance on statement cycle date following the date of redemption.  However, please pay at least the minimum amount due reflected on the Statement of Account to avoid becoming past due.  The fuel rebate cannot be exchanged for cash or redeemed as rewards voucher or AIRMILES.

In instances where there are disputed or reversed fuel transactions, a “rebate reversal” will be posted and adjusted from the fuel rebate balance accordingly.

Php500 Phoenix Fuel Welcome Gift

Your free Php 500 worth of Phoenix Fuels as welcome gift will be credited to you, the Principal cardholder, when you use your Phoenix RCBC Bankard Mastercard for a minimum (single or accumulated) fuel spend of Php 2,000 at participating Phoenix Fuel stations nationwide within 75 days from card issuance date.

5% Discount on Phoenix Gasoline and Diesel Engine Oils

Enjoy five percent (5%) discount on Phoenix Gasoline and Diesel Engine Oils (applies to 1-liter and 4-liter packs) when using your Phoenix RCBC Bankard Mastercard Credit Card at participating Phoenix Fuel Stations nationwide.

Free Towing and Roadside Assistance

In the event that your vehicle is immobilized due to accident or breakdown, you may avail of a total of three (3) free towing and emergency assistance per year through Assist and Assistance Concept. Inc (A &A Concept). Coverage is labor cost for minor roadside repair up to Php 3,000 per event, per vehicle, and crane charges up to Php 10,000 per event excluding repair cost.

A&A Concept will also cover the service of changing flat tires, battery boosting, emergency fuel delivery (except fuel cost) and sending car locksmith. A&A Concept 24-hour Alarm Center Hotline numbers are (02) 822 3301 or (+63) 917 528 6180.

Free Accident Insurance

In cases of accidents, disablement or death, trust that your Phoenix RCBC Bankard Mastercard will have additional coverage for protection through Assist & Assistance Concept (A & A Concept). Coverage:

DETAILS AMOUNT (in Philippine Pesos)
Accidental Death 10,000
Permanent Disablement/Dismemberment 10,000
Unprovoked Murder or Assault 10,000
Medical Reimbursement due to an accident 5,000
Emergency Room Treatment 3,000
Burial Benefit due to accidental Death and unprovoked murder or assault 5,000

For claims, call A&A Concept 24/7 hotline number at (02) 822 3301 or (+63) 917 528 6180. *The Free Towing & Roadside Assistance and Free Accident Insurance are privileges provided by Phoenix Petroleum Philippines Incorporated in partnership with Assist & Assistance Concept, Inc. (“A & A CONCEPT”).

Rewards Program


Spend Requirement to Earn 1 Reward Point Php125 (All establishment)
Php250 (Fast BillsPay)
Rewards Points Needed 1 = Php1
Rewards Options— Shopping Voucher
— Annual Membership Fee Waiver
— Credit to RCBC Bankard account
— Airmiles
Conversion rate of four (4) Rewards Points = One (1) Mabuhay Mile/GetGo Point/Asia Mile/BIG Point



TERMS AND CONDITIONS GOVERNING THE 5% FUEL REBATE, WELCOME GIFT, AND ISSUANCE OF REWARDS POINTS
  1. The Phoenix RCBC Bankard Mastercard Program (“Program”) is open to all Phoenix RCBC Bankard Mastercard Principal Cardholders (“Cardholder”) whose account is open, active, and in good credit standing, as determined by the Bank in its sole discretion, and who use their Phoenix RCBC Bankard Mastercard Credit Card at participating Phoenix Fuel stations.
  2. The Cardholder is entitled to participate in the Program on the date of commencement of the Program or the date when the Card is activated, whichever is later.
  3. The Cardholder under this Program will enjoy the following benefits:
    • Five percent (5%) fuel rebate on all Phoenix Fuel purchases for personal consumption using his/her Phoenix RCBC Bankard Mastercard at participating Phoenix Fuel Stations nationwide.
    • Five percent (5%) discount on Phoenix Gasoline and Diesel Engine Oils (applies to 1-liter and 4-liter packs) when using Phoenix RCBC Bankard Mastercard at participating Phoenix Fuel Stations nationwide.
    • Free Php 500 worth of Phoenix Fuels as a welcome gift upon meeting the minimum (single or accumulated) fuel spend requirement of Php 2,000 at participating Phoenix Fuel stations within 60 days from card issuance date. The Php 500 will be credited to the Cardholder’s account.
  4. The Cardholder will enjoy a maximum monthly rebate of Php 500 to be computed on transactions posted per statement cycle. Rebates apply on a per account basis. If the Cardholder has Supplementary cardholder/s, the rebates earned on Phoenix fuels transactions of the supplementary cardholder/s will be credited to the Cardholder’s account.
  5. Phoenix Petroleum Philippines Incorporated and RCBC Bankard reserve the right to exclude any single or set of transactions from the computation of the rebate if the transaction/s was/were entered into in violation of this provision.
  6. The Cardholder can redeem at a minimum and in increments of Php 200 worth of fuel rebates by calling the RCBC Bankard Customer Service Hotline at 888-1-888. Only accounts that are active and in good standing at the time of redemption shall be allowed to redeem.
  7. The redeemed fuel rebate shall be posted to the account as a deduction from the outstanding balance on the statement cycle date following the date of redemption. Notwithstanding the amount of fuel rebate subsequently posted to the account, the Cardholder must still pay at least the minimum amount due reflected on the Statement of Account to avoid becoming past due.
  8. Where fuel rebates have been credited to the account and/or used before the purchase is charged back, the Cardholder’s account will be debited for the credited fuel rebates.
  9. The fuel rebate cannot be exchanged for cash or redeemed as rewards voucher or Airmiles.
  10. Fraud and abuse relating to the earning or redemption of fuel rebates may result in forfeiture of fuel rebates and termination of the Cardholder’s account.
  11. Any remaining fuel rebates including those still to be applied to the Cardholder’s account shall immediately cease to be valid upon cancellation of the Phoenix RCBC Bankard Mastercard or conversion to another RCBC Bankard credit card brand. No refund, extension or compensation shall be given to the Cardholder upon cancellation.
  12. The fuel rebate rate and the basis of calculation of fuel rebates are subject to change at RCBC Bankard’s sole discretion. The decision of RCBC Bankard on all matters relating to the fuel rebates shall be final. RCBC
  13. Bankard shall not be liable to the Cardholder for any damages or penalty arising from or in connection with the fuel rebate program.


The free Php 500 worth of Phoenix Fu
The free Php 500 worth of Phoenix Fu

  1. els as Welcome Gift will be credited to the Cardholder’s account if he is able to meet the minimum required fuel spend (single or accumulated) of Php 2,000 using his Phoenix RCBC Bankard Mastercard at participating Phoenix Fuel stations within 75 days from card issuance date.
  2. The Cardholder will also earn Rewards Points on their Phoenix RCBC Bankard Mastercard Credit Card for all their retail transactions,  earning one (1) point for every Php 125.00 spend and Php 250 for every utility bills payment.
  3. Decisions made by Phoenix Petroleum Philippines Incorporated and RCBC Bankard, in accordance with these Terms and Conditions as well as with applicable rules and regulations, on all matters relating to this Program will be at their absolute discretion and will be final and binding on all participants.
 
        

The Phoenix RCBC Bankard Mastercard Credit Card Free Towing and Emergency Roadside Assistance is available to Phoenix RCBC Bankard Principal Cardholders (“cardholder) whose accounts are active and in good credit standing. The Cardholder may call Assist & Assistance Concept, Inc. (“A & A CONCEPT”) 24-hour Alarm Center 24/7 at 02-822-3301 or 0917-528-6180 in the event that the vehicle named after the cardholder is immobilized due to accident or breakdown.

Information Assistance

A&A Concept shall provide the following information services to the cardholders:

24/7 Traffic information and Road Conditions (within Metro Manila)

Location/Vicinity Information (within Metro Manila)

Location of the nearest Phoenix Stations

Emergency Numbers: Police, Fire, Hospital, etc

Weather Information

Breaking News (ABS-CBN, GMA, CNN)

Vehicle Assistance

The Cardholder may avail a total of 3 free towing and emergency assistance per year with a labor cost for minor roadside repair up to maximum of P3,000 per event per vehicle, and crane charges up to P10,000 per event excluding repair cost of the named vehicle.

A & A Concept will also cover the service of changing flat tires, battery boosting, emergency fuel delivery (except fuel cost) and sending car locksmith.

Personal Assistance

In case of vehicle breakdown or an accident, A & A Concept will provide the following services:

1) Hotel Accommodation – The Cardholder may avail a maximum of P2,000 Hotel Accommodation one event per year.

2) Return of the Driver– A & A Concept shall assist in arranging for the driver to be returned home and shall reimburse the member up to the amount of P2,000 for the cost of the transportation, one event per year

3) Continuation of Journey– The member can request from A & A Concept for a service vehicle or transportation to bring the member or driver to his original destination. A & A Concept shall shoulder the cost of providing a service vehicle or transportation up to the amount of P2,000 for a maximum of one event per year.

Items 1 to 3 above are subject to the following conditions:

(a) A breakdown or accident occurs at least 45 kilometers away from Cardholder’s usual place of residence;

(b) As a result of the accident or breakdown, the vehicle requires towing service to the nearest service center in the area;

(c) The named vehicle cannot be repaired within 48 hours, and

(d) A & A CONCEPT is unable to dispatch a tow truck vehicle within 6 hours from time of advised of breakdown.

4) Ambulance Assistance- The member may request A & A Concept to assist in dispatching an ambulance which is subject to availability, geographical limitations, weather & traffic conditions. (Cost of ambulance shall be borne by the member)

5) Hospital Admission- When member is required to be hospitalized due to accident A & A Concept will assist in arranging for his hospital admission. (Cost of charges shall be borne by the member)

6) Emergency Message Relay- A & A Concept shall endeavor to keep the member’s next of kin, or such person as selected by the member, informed through the most effective means available.

7) Directory Assistance- A & A Concept may provide the contact details of LTO, MMDA & PNP.

8) Legal Assistance- A & A Concept shall assist the member to seek for legal assistance related to vehicular accidents or insurance claims. (Cost of charges shall be borne by the member)

Geographical Limits

The assistance services to be provided are nationwide within the Philippines except of Lanao Del Norte, Lanao Del Sur, North Cotabato, South Cotabato, Zamboanga Del Norte, Maguindanao, Sultan Kudarat, Sulu, Tawi-tawi and Basilan.

Exclusions

A & A Concept will not be liable to provide free towing and roadside assistance that arises directly or indirectly from:

a. The vehicle exceeds 3,500 kilograms in weight.

b. The vehicle is more than 10 years old.

c. Used as a public transport of persons and merchandise except GRAB & UBER. (must be for Cardholder’s personal, social and pleasure use only)

d. If the Cardholder or driver who drives the vehicle is without driver’s license.

e. Services rendered to the vehicle were not coordinated with A & A Concept.

f. If the vehicle has been modified against government regulations such as (rally & racing, etc.)

g. Towing from holding facility to another service center.

h. If the named vehicle for towing is at “0” kilometer (breakdown must be in roadside cases only not from the residence).

i. Fraudulent acts by any Cardholder or any other person entitled to the services.

j. Consequential losses of any kind.

k. Extraordinary phenomena such as floods, earthquakes, volcanic eruptions, unusual cyclone storms, falling astral bodies, or meteorites.

l. Terrorism, mutinies, or riots.

m. Actions by the armed forces, or security forces, or other organizations.

n. Nuclear radioactivity.

o. Deliberate acts of the Beneficiary.

p. The rescue of persons on mountains or in seas, deserts or chasms

q.Illnesses or pathological states produced by voluntary consumption of alcohol, drugs, toxic substances, narcotics, or medicines acquired without medical prescription.

r.. Suicide or attempted suicide or mental illness.

Reimbursement Procedure

If the Cardholder paid for any service covered under the program because of A&A Concept’s inability to render the required service for a justifiable reason, the Cardholder may reimburse the service charges subject to the coverage limit following the reimbursement process below:

Cardholder calls A&A Concept Alarm Center for assistance.

Cardholder advises why he/she can no longer wait for the A&A Concept roadside assistance provider (e.g., MMDA towing zone, traffic obstruction, high risk location, member figured in an accident and member has to be hospitalized, etc.)

     3.A&A Concept confirms Cardholder’s call and acknowledges use of non-accredited provider. A&A Concept will provide Case File Number to the Cardholder that will serve as a reference number.

Cardholder obtains the Official Receipt for roadside assistance rendered by the Service Provider.

Submits the following to A&A Concept:

Letter requesting for reimbursement indicating the following details:

1) Name of Cardholder /Caller

2) Plate No. of registered vehicle

3) Date and Time of Event

4) Case File No. / Reference No.

b. Original Official Receipt of service provider

Note: Cardholder is given a maximum of 60 days from the date of event to submit the requirements stated above, after which request for reimbursement will no longer be entertained.

A&A Concept releases the reimbursement 15 days from receipt of Request for Reimbursement and complete requirements. Payment will be via check under the Cardholder’s name. For provincial cases, reimbursement may be deposited to the Cardholder’s bank account.

PERSONAL ACCIDENT INSURANCE

COVERAGE

Details

Amount (in Philippine Pesos)

Accident Death

10,000

Permanent Disablement/Dismemberment

10,000

Unprovoked Murder or Assault

10,000

Medical Reimbursement due to an accident

5,000

Emergency Room Treatment

3,000

Burial Benefit due to accidental Death and unprovoked murder or assault

5,000

 GENERAL EXCLUSIONS

Death or disablement or bodily injury, occasioned or happening through:

War, invasion, act of foreign enemy, hostilities (whether war be declared or not)- civil war, rebellion, revolution, insurrection, martial law, military or usurped power or attempts at usurpation of power.

Suicide- the act of killing yourself intentionally, or a person who has done this Attempted Suicide- is an attempt where a person tries to commit suicide but survives.

Poison or any poisonous substance accidentally or otherwise taken, administered, absorbed or inhaled during addiction and the like.

Earthquake, Volcanic eruption or Tidal Wave.

Employment of engaging in the following occupation: Detective, Secret Service, Law enforcing agent/military personnel

Any weapon or instrument employing atomic fission, radioactive force, whether in time of peace or war.

Performing or attempting the performance of an unlawful act.

Engaging or performing any exhaustively physical, extraneous or hazardous activities.

Death or disablement or bodily injury, occurring whilst the insured is traveling in an aircraft

Death or disablement or bodily injury while riding or operating on any motorized two-wheel vehicle.

Death or disablement or bodily injury consequent upon the insured engaging in hunting, racing of all kinds,

Death or disablement or bodily injury occasioned by or happening through any form of illness, diseases, disabilities.

Death, disablement or bodily injury whilst attempting to do or doing an illegal activities or operation.

Acts of Nature.

Animal/Insect bites.

Persons below the age of 18 or over 65 years.

CLAIMS PROCEDURE

➢ Cardholder or his beneficiary to call A&A Concept 24/7 Hotline Number 02-822-3301 or 0917-528-6180 to process their claim request.

➢ Submit requirements to A&A Concept .

➢ A&A Concept to communicate to Insurance Provider for Claims Scrutiny.

➢ A&A Concept to provide Cardholder feedback from Insurance provider on the following:

Status and turnaround time of the claim

Additional requirements or clarifications

Payment to Cardholder


How to Apply

  • 1. Choose a Card

    Choose the right RCBC Bankard credit card for you.

  • 2. Apply Online

    Accomplish the online application form, submit documentary requirements and digitally verify yourself.

  • 3. Verification

    We’ll get in touch with you to verify some information on your application.

  • 4. Card Delivery

    You will get a notification once your card is on its way to you!

You can also apply for an RCBC Bankard credit card at any RCBC or RCBC Savings Bank branch.

  • You must be 21-65 years old to qualify as a Principal Cardholder.
  • You must be 13-65 years old to qualify as a Supplementary Cardholder.
  • You must have a mobile number and landline in your place of work.

    Requirements for Employees

  • Completely filled-out and signed application form
  • A copy of one (1) valid ID with photo and signature
  • A copy of any proof of income:
    • Income Tax Return and/or W2 with BIR or Bank Stamp
    • Latest payslip stating monthly salary
    • Original Certificate of Employment (COE) with annual income details and signed by authorized Human Resources Group signatory. COE must not be more than six (6) months old

    Requirements for Self-employed or Businessman

  • Completely filled-out and signed application form
  • A copy of one (1) valid ID with photo and signature
  • Latest Audited Financial Statement with BIR or Bank Stamp and photocopy of Income Tax Return and/ or W2 with BIR or Bank Stamp.
Membership Fee Principal
P150/month
Membership Fee Supplementary Waived for 1st Supplementary Card; P60/month for 2nd Card onward
Monthly Interest Rate 3.50% 
Retail Monthly Effective Interest Rate*3.55%
Cash Advance Monthly Effective Interest Rate*3.56%
First Year Membership FeeWAIVED
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 and an interest charge at the prevailing rate which will be computed from availment date until full payment date. Note: Other banks may charge an ATM convenience fee for your cash advance transactions.
Late Payment Fee P400; in cases of multiple past due occurrences exceeding 3 months for the past 12 months: P500 (4 to 6 months) or P600 (7 months and above). 
Installment Pre-Termination Fee5% of the unpaid amount or P500, whichever is higher
Unli InstallmentNo processing fee. Subject to prevailing interest rate. If pre-terminated, Installment Pre-Termination Fee will apply.
Unli 0% Processing FeeP100 for purchases below P10,000 and P200 for purchases P10,000 and up.
Quasi-Cash Fee (for products like money transfer, prepaid cards/virtual account loading, tax payments, securities investments, etc.) For a list of quasi cash merchant categories, click here. 1% of the amount transacted
Gaming/Casino Service Fee5% of every transaction or P1,000, whichever is higher.
Cash Loan, C.H.A.R.G.E and Your Cash! Processing Fee P150 for credit to an RCBC or RCBC Savings Bank account; P250 for deposit to other Banks; P250 for cheque delivery.
Service Fee for Foreign Currency Transactions For Peso Cards, 3.50% representing the Mastercard/Visa/JCB/UnionPay assessment fees and the Bank's service fee. For foreign currency transactions converted to Philippine Peso at point of sale, whether executed in the Philippines, abroad or online, a service fee of 2.25% shall be applied to transactions amounting to P1,000 and up, or its foreign currency equivalent.
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, SM Payment Center, Unionbank
Dormancy Fee 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's no activity for 3 months.
Over Limit Fee Php500 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 a 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.
Balance Transfer Processing FeeP100 
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
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