RCBC Bankard Black Card Platinum MasterCard


RCBC Bankard Black Card Platinum Mastercard

The highly prestigious card for highly career-oriented individuals who seek the finer aspects of life.

  • Non-expiring Rewards Points
  • Free Travel Insurance up to Php1,000,000
  • Free Purchase Protection up to Php50,000
  • Free access to Skyview Lounge at NAIA Terminal 3
  • Up to five (5) supplementary cardholders with free annual membership fees for life

The Black Card is your passport to a world of superior convenience and world-class privileges available not just to anyone but to an esteemed circle of members whose impeccable record and status as cardholders have deemed them worthy. With a design and color that signifies power, dignity and elegance, your new Black Card will not only inspire awe but command respect. So step right in and discover what it’s like to be among a rare and honored few.


Available Card Variants

  • RCBC Bankard Black Platinum Mastercard PESO
  • RCBC Bankard Black Platinum Mastercard DOLLAR


Flexible Rewards Program

You can choose how you want to be rewarded from a selection of flexible modes of redemption:

For PESO Black Card, earn one (1) rewards point each time you charge P36 to your card or P125 from supermarkets, drugstores, or gas stations. You can choose to redeem your points for:

  • Cash Rebates
  • Shopping Vouchers at top establishments
  • Cash Credit to your RCBC Bankard
  • Deposit to your RCBC Account

For DOLLAR Black Card, get one (1) Rewards point for every US$1.00 you charge. You can choose to redeem your points for:

  • Shopping Vouchers at top establishments

There is no limit on how much you can earn, and your rewards never expire!

International Travel Privileges

Your RCBC Bankard is the best travel companion for your trips abroad or to that dream holiday destination. Charge all your travel-related needs to your RCBC Bankard and load up on exciting travel perks and benefits –


Free-for-Life Supplementary Card (maximum of 5)

Share the world-class and high-status benefits and privileges of your Black Card with your loved ones with the first FIVE supplementary cards FREE FOR LIFE!


Automatic Reversal of Annual Membership Fee

Annual membership fee is automatically reversed or waived upon card renewal if your total accumulated billings charged for the last 12 months is at least P500,000.


RCBC Bankard Black Platinum Mastercard Fees & Charges

Membership Fee Principal P3,600/year for Black Peso
US$100/year for Black Dollar
Membership Fee Supplementary waived up to 5 Supplementary Cards, in excess P1,800/year (for Black Peso)
waived up to 5 Supplementary Cards, in excess US$50/year (for Black Dollar)
Monthly Interest Rate/
Monthly Effective Interest Rate
3.50% / 3.54%
Returned Check Fee P1,000/US$25
Invoice Retrieval Fee P150/US$5
Card Replacement Fee P500/US$25
Cash Advance Fee 3% of cash amount availed of or P500/US$10, whichever is higher, and an interest charge at the prevailing rate which will be computed from availment date until full payment date
Late Payment Fee  P400/US$8; in cases of multiple past dues occurrences exceeding 3 months for the past 12 months: P500/US$10 (4 to 6 months) or P600/US$12 (7 months and above)
Installment Pre-Termination Fee 5% of the unpaid principal 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/US$25, whichever is higher
Cash Loan and C.H.A.R.G.E Processing Fee
*for Black Peso only
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 sales, 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  P200/US$4 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 P500/US$10 to be charged on cycle day when the outstanding balance plus unbilled Installment exceeds the permanent credit limit on cycle day
Minimum Amount Due The sum of (a) 5% of Total Amount Due or P500/US$10, 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.