Visa Infinite Card

The premium lifestyle card that offers infinite joy in shopping in international destinations.

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Why Choose RCBC Bankard Visa Infinite Card?
  • 5% rebate on straight-charge purchases at any local or international clothing and apparel retail shops
  • Earn 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 deposit account, or Donation to a charitable institution.
  • Complimentary Priority Pass™ membership
  • Unlimited free access to the Skyview Airport Lounge and Club Manila Lounge for the Principal cardholder plus one travel companion
  • Free Travel Insurance up to Php1,000,000 and Purchase Protection when you charge all your international travel-related needs to your RCBC Bankard
  • e-Commerce Purchase Protection of up to US$1,000 per claim per year for possible losses on online purchases which include non-delivery, wrong or incomplete delivery, or damaged purchases.
  • Free-for-life Supplementary Cards (maximum of 9)

  1. The 5% rebate* is applicable to all clothing and apparel transactions at all local and international retail shops.
    * This applies to retail shops which are stand-alone stores and are not located inside a department store. Clothing and apparel retail shops are defined as all establishments under any of these Merchant Category Codes (MCCs): 5137, 5611, 5621, 5631, 5641, 5651, 5655, 5681 and 5691. These are merchants which fall under the descriptions Men’s, Women’s and Children’s Commercial Clothing, Men’s and Boys’ Clothing and Accessories Stores, Women’s Ready-to-Wear Stores, Women’s Accessory and Specialty Stores, Children’s and Infants’ Wear Stores, Men’s, Women’s and Family Clothing Stores and Sports Apparel, Riding Apparel Stores. Some examples include Lacoste, Banana Republic, Dockers, Gap, and others. In identifying merchants which are classified as clothing and apparel stores, RCBC Bankard shall be bound by the Merchant Category Codes assigned by the bank which provides the POS terminals.
  2. The rebate is applicable anytime of the year on straight-charge purchases made using RCBC Bankard Visa Infinite credit card. Installment transactions for clothing and apparel will not earn rebates.
  3. Clothing and apparel transactions for the cycle will qualify for the 5% rebate provided the total spend on non-clothing and apparel (including installment amortizations for clothing and non-clothing transactions) for the same cycle are at least equal to the total spend for clothing and apparel.
  4. Annual membership fees, cash advances, balance transfers, balance conversion and any other form of fees or charges shall not be considered in the computation of non-clothing and apparel spend.
  5. Rebates earned for the cycle will be reflected in the following month’s statement of account.
  6. To qualify for the rebate, the RCBC Bankard Visa Infinite credit card account of the cardholder should be active and in good credit standing at the time of computation and posting of the rebate. 
  7. The maximum rebate amount per calendar year is P 5,000.
  8. Rebates are not transferable to another person or to another RCBC Bankard credit card account.
  9. The rebate may not be exchanged for cash or redeemed as points.
  10. Where rebates have been credited to the cardholder’s RCBC Bankard Visa Infinite credit card account and/or used before the purchase is charged back, the card account will be debited for the credited rebates.
  11. Fraud and abuse relating to earning or redemption of rebates may result in forfeiture of rebates and termination of the cardholder’s RCBC Bankard Visa Infinite credit card account.
  12. The rebate rate and the basis of calculation of rebates are subject to change at RCBC Bankard’s sole discretion. The decision of RCBC Bankard on all matters relating to the rebates shall be final. RCBC Bankard shall not be liable to the cardholder for any damages or penalty arising from or in connection with the rebate program.
  13. Any remaining rebates including those still to be applied to the account of the cardholder shall immediately cease to be valid upon cancellation of the RCBC Bankard Visa Infinite credit card or conversion to another RCBC Bankard credit card brand. No refund, extension or compensation shall be given to the cardholder upon cancellation.

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
Membership Fee Supplementary waived up to 9 Supplementary Cards
Monthly Interest Rate 2%
Returned Check Fee Php1,000
Invoice Retrieval Fee Php150
Card Replacement Fee Php500
Cash Advance Fee Php200
Late Payment Fee Php850 or the minimum amount due, whichever is lower.
Installment Pre-Termination Fee5% of the unpaid amount or Php500, whichever is higher plus one month's worth of interest, as computed based on the unpaid balance
Unli InstallmentNo processing fee. Subject to prevailing interest rate. If pre-terminated, Installment Pre-Termination Fee will apply.
Unli 0% Processing FeeA 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 Fee5% of every transaction or P1,000, 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 FeePhp600 will be charged at any time the outstanding balance plus unbilled installment exceeds the account’s permanent credit limit. The Over Limit Fee will be charged once within the statement cycle.
Balance Transfer Processing FeePhp250
Balance Conversion Processing Fee (Regular)Php200
Minimum Amount DueComputed 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 P100 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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