UnionPay Diamond Card
The ideal card for frequent travelers to China and elsewhere.
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The ideal card for frequent travelers to China and elsewhere.
| INTERNATIONAL MEDICAL ASSISTANCE | 1. Telephone Medical Advice 2. Medical Service Provider Referral 3. Arrangement of Hospital Admission 4. Guarantee of Medical Expenses Incurred During Hospitalization & Monitoring of Medical Condition during Hospitalization 5. Medical Interpreter 6. Dispatch of Essential Medicine 7. Arrangement of Emergency Medical Evacuation 8. Arrangement of Emergency Medical Repatriation 9. Arrangement of Repatriation of Mortal Remains 10. Arrangement of Compassionate Visit 11. Arrangement of Return of Minor Children 12. Arrangement of Accommodation |
| VIP HEALTHCARE ASSISTANCE IN MAINLAND CHINA |
1. Hospital / Clinic Referral 2. Triage Assistance 3. Arrangement of Specialist Appointment 4. Arrangement of VIP Outpatient Service |
| INTERNATIONAL TRAVEL ASSISTANCE |
1. Lost Luggage Assistance 2. Lost Passport Assistance 3. Legal Referral 4. Emergency Travel Service Assistance 5. Emergency Interpretation Service 6. Embassy Referral 7. Emergency Message Transmission |
| CONCIERGE SERVICES | TRAVEL | 1. Pre-trip Inoculation and Visa Requirement Information 2. Hotel Referral and Reservation Assistance 3. Flight Information and Ticketing Assistance 4. Luxury Car Rental and Limousine Referral and Reservation Assistance 5. Cash Access Inquiry – the locations of nearest UnionPay ATMs |
| ENTERTAINMENT | 1. Golf Course Referral and Reservation Assistance 2. Global Concert and Performance Assistance 3. Global Sports Events Assistance 4. Spa, Fitness Center and Sports Center Information and Referral Assistance 5. Dining Referral and Reservation Assistance |
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| SHOPPING | 1. Flower and Gift Delivery Assistance |
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 branch.
Requirements for Employees
Requirements for Self-employed or Businessman
| Membership Fee Principal |
P3,000/year |
| Membership Fee Supplementary | waived up to 9 Supplementary Cards |
| Monthly Interest Rate | 3.50% |
|---|---|
| Retail Monthly Effective Interest Rate* | 3.55% |
| Cash Advance Monthly Effective Interest Rate* | 3.56% |
| First Year Membership Fee | WAIVED |
| 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 Fee | 5% of the unpaid amount or P500, whichever is higher |
| 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 P1,000, whichever is higher. |
| 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. |
| 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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