Choose the right RCBC Bankard credit card for you.
Accomplish the online application form, submit documentary requirements and digitally verify yourself.
We’ll get in touch with you to verify some information on your application.
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.
Requirements for Employees
Requirements for Self-employed or Businessman
| Membership Fee Principal |
Php1,500/year |
| Membership Fee Supplementary | Php750/year |
| Monthly Interest Rate/Monthly Effective Interest Rate | 2% |
|---|---|
| Returned Check Fee | Php1,000 |
| Invoice Retrieval Fee | Php150 |
| Card Replacement Fee | Php300 |
| Cash Advance Fee | Php200 |
| Late Payment Fee | Php850 or the Minimum Amount Due, whichever is lower. |
| Installment Pre-Termination Fee | 5% of the unpaid amount or Php500, whichever is higher plus one month's worth of interest, as computed based on the unpaid balance |
| Unli Installment | No processing fee. Subject to prevailing interest rate. If pre-terminated, Installment Pre-Termination Fee will apply. |
| Unli 0% Processing Fee | A one-time Unli 0% Installment processing fee of: (a) 1% of the transaction amount for purchases Php30,000 and up (b) Php200 for each transaction amounting to Php10,000 – below Php30,000 (c) Php100 for each transaction below Php10,000 |
| 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 Fee | 5% of every transaction or Php1,000, whichever is higher. |
| Cash Loan and Your Cash! Processing Fee | A one-time processing fee of Php250 if preferred cash disbursement is through RCBC bank deposit and Php350 for non-RCBC bank deposit or check delivery. A reprocessing fee of Php150 will be charged for errors on Recipient Account Details. |
| Service Fee for Foreign Currency Transactions | 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 Php1,000 and up, or its foreign currency equivalent. |
| Multiple Payment Fee | Php40 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 | Php200 per month to be charged to a) active accounts with negative balance and no activity for 24 months, b) blocked/closed accounts with negative balance and no activity for 3 months |
| Over Limit Fee | Php600 to be charged at any time when the outstanding balance plus unbilled installment exceeds the permanent credit limit. The Over Limit Fee will be charged once within the statement cycle. |
| Balance Transfer Processing Fee | Php250 |
| Balance Conversion Processing Fee (Regular) | Php200 |
| Minimum Amount Due | Computed as (Total Statement Balance – Transactions Posted on the Current Statement - Amount Past Due – Current Late Charge) * 3% + (Amount Past Due + Current Late Charge + Current Over Limit Amount) OR Php500, whichever is higher. For Peso-Denominated Cards, the Minimum Amount Due is the rounded down to the nearest multiple amount of Php100 for computed payment amount between Php500 – Php1,000, Php500 for computed payment amount between Php1,000 to Php3,000 and Php1,000 for computed payment amount above Php3,000. |
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