Why Choose RCBC Bankard UnionPay Diamond Card?

Earn double rewards points on your hotel and restaurant spending during your travel to any part of China
Access to worldwide offers with U Collection
Flexible, non-expiring Rewards points which you can exchange for AIRMILES, Cash Rebates, Shopping Vouchers, Cash Credit to your RCBC Bankard, Deposit to your RCBC account, or Donation to a charitable institution.
Free Travel Insurance and Purchase Protection when you charge all your international travel-related needs to your card
Unlimited free access to the Skyview Airport Lounge and Club Manila Lounge for the Principal cardholder plus one travel companion
Access to international medical, VIP healthcare and international travel assistance, plus concierge services via Aspire Services at (02) 8687-8305
Free-for-life Supplementary Cards (maximum of 9)

UNIONPAY PREMIUM CARDS – GLOBAL SERVICES

I. Emergency Assistance Program:

a. Emergency Cash Service

b. International Travel Assistance

c. International Medical Assistance

II. Concierge Service Program:

a. Travel Assistance

b. Entertainment Assistance

c. Shopping Assistance d. Business Assistance

III. U Collection http://www.unionpayintl.com/dynamic/ucollection/en

a. U Shopping –

i. Over 40 brands across 12 countries

ii. Participating brands include Hankyu, Department Store, Armani Junior, EverRich Duty Free Stores

b. U Dining –

i. Over 100 restaurants across 16 countries

ii. Includes Michelin start restaurants, Master Chefs & Influential Chain Restaurants

c. U Hotel –

i. Over 70 hotels across 14 countries

ii. Includes exclusive international hotel chains & global top class hotels

iii. Participating hotels include Anantara hotels, resorts and spas, and Avani Hotels and Resorts

d. U Lifestyle –

i. Over 30 merchants across 13 countries

ii. Include cultural experiences, popular attractions & wellness benefits

e. U Travel –

i. Over 30 merchants across 18 countries

ii. Includes airport lounge privileges, airport limousine benefits and car rental services

IV. China VIP Healthcare Assistance Program

a. China VIP Healthcare Assistance

V. Aspire Services: Hotline Number: (632) 6878305

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
	SHOPPING	1. Flower and Gift Delivery Assistance

Entry to the Lounge is exclusive for UnionPay Platinum and Diamond cardmembers issued outside Singapore.

One cardmember is allowed to bring only 2 (two) other guests into the Lounge at any time.

Guests under 18 years of age must be accompanied by the cardmember at all times.

Usage of the iPad in the Lounge is limited to 30 minutes per cardmember per day.

Usage of the telephone in the Lounge is allowed for toll-free numbers or calls within Singapore only. Such calls will be assisted by ION Orchard Concierge on duty at all times.

ION Orchard has the discretion to refuse entry, or to require a cardmember to leave the Lounge at any time for any reason deemed appropriate by ION Orchard. Some of such conditions under which a cardmember may be refused entry or asked to leave include if you are:
- under 18 and unaccompanied by a cardmember;
- intoxicated;
- behaving in a manner that may cause discomfort to other cardmembers and / or staff.

ION Orchard may also refuse entry if the Lounge has reached a maximum capacity of 8 (eight) pax or if it is closed for maintenance / upgrading or other reasons.

Redemption of gifts is valid for all UnionPay cardmembers issued outside Singapore, subjected to fulfilment of the promotion terms and conditions.

ION Orchard will not accept any responsibility for any damage and / or loss of any kind suffered, directly or indirectly, in any way whatsoever, through use of the Lounge.

ION Orchard and China UnionPay reserve the right to vary or amend the terms and conditions without prior notice. All information is correct at time of print

Features & Benefits

Budget Management

Spend Monitor

Get real-time SMS advisories on your credit card spending.

Spend Analyzer

Keep track of all your credit card transactions.

Fast BillsPay

Experience hassle-free and rewarding bills payment.

Enhanced Security

EMV Chip Technology

Enjoy the benefit of the chip technology that will help increase security and reduce fraud.

Credit Protect Plus

Protect your financial commitments from unforeseen life events.

Travel

Free Travel Insurance & Purchase Protection

Get the assurance and protection you need when travelling abroad.

Access to World-Class Airport Lounges

Enjoy the comfort and luxury of world- class airport lounges while waiting for your flight.

Bonus Travel Limit

Get the spending power you need during your travel.

International Acceptance

Get instant access to cash anywhere in the world.

Rewards

Rewards Points

Earn Rewards Points that you can redeem in so many ways.

Airmiles

Fly for free to your dream destination sooner.

Get Cash

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 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	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
If you pay any amount less than the Closing Balance/Total Amount Due or make a cash advance transaction, interest charge at the interest rate of your card will be computed on the Daily Outstanding Balance of your account (including any fixed monthly installment amount/s) from the date of the transactions until the end of the current statement period.