Flex Gold Visa

For young professionals packed with rewarding benefits.

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Why Choose RCBC Bankard Flex Gold Visa?
Enjoy the flexibility of earning points faster and the flexibility to redeem what you want! Plus, have the financial muscle to manage your budget better.
  • Get 2x Rewards in three preferred categories! Choose from GROCERY, GAS, TRAVEL, DEPARTMENT STORE, or HOUSEHOLD APPLIANCES. Switch preferred categories once every billing cycle. Plus, earn Rewards points for all your other spending anywhere!
  • Exchange them for shopping vouchers, redeem as cash rebate, use them as cash credit to your deposit account, or as donation to a charitable institution. Want free flights? Just enroll in the AIRMILES Program. The choice is yours!
  • Free Travel Insurance (Travel Plus Lite) & Purchase Protection when you charge all your international travel-related needs to your card
  • Access to the Skyview Airport Lounge

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
P3,000/year
Membership Fee Supplementary P1,500/year
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 P500
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 deposit account or P250 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
Promos for this Card
Get a free USB OTG for your Robinon's Appliances purchases
Save P500 OFF on installation fees when you enroll your RCBC Bankard in any AUTO-CHARGE biller.
Get a free Purefood Fiesta Ham with your RCBC Bankard at WalterMart Supermarket!
Get 30% OFF + 0% installment with Buy Now Pay Later options at Matt Mason Furniture

Ready to make life goal happen?

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