RCBC Bankard Gold Cards

The card for those moving up the ladder of success.

• Earn Flexible Rewards Points from all your purchases
• Budget tools that give you financial control and empowerment
• Secure shopping – online and in stores – we’ve got you covered
• Convert purchases, outstanding balance and payables to installment
• Free International Travel Insurance & Purchase Protection

 

Flexible Rewards Program

Earn one (1) rewards point each time you charge P36 to your card or P125 from supermarkets, drugstores, or gas stations. You can choose how you want to be rewarded from a selection of flexible modes of redemption:

• AIRMILES
• Cash Rebates
• Shopping Vouchers at top establishments
• Cash Credit to your RCBC Bankard
• Deposit to your RCBC or RCBC Savings Account
• Manager’s Check

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 Travel Insurance (Travel Plus Lite) & Purchase Protection
• Access to the Miascor and Skyview Lounges for a fee of US$12.
  Want the access fee waived? Charge at least US$200 abroad (single or accumulated spend) then call 888-1888, to request for the waiver.
• 0% Installment for your purchases abroad

RCBC Bankard Mastercard/Visa/JCB GOLD Cards Fees & Charges
Membership Fee Principal	P3,000/year
Membership Fee Supplementary	P1,500/year
Monthly Interest Rate/ Monthly Effective Interest Rate	3.50% / 3.54%
Returned Check Fee	P1,000
Invoice Retrieval Fee	P150
Card Replacement Fee	P300
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	P150
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.

Select a card to begin your application