RCBC Bankard UnionPay Card
The ideal card for frequent travelers to China.
- Earn double rewards points for hotel and restaurant spending in mainland China and Hong Kong.
- 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, plus 2X rewards in hotels & restaurants in China! You can choose how you want to be rewarded from a selection of flexible modes of redemption:
- 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 UnionPay 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 access to the UnionPay VIP Lounge in ION Orchard where you can enjoy refreshments, internet access, a cozy rest area and a dedicated information counter which offers tourists services and more. Read details here.
- Free Travel Insurance (Travel Plus Lite) & Purchase Protection
- Free Access to the Miascor and Skyview Lounges for the Principal cardholder plus one (1) travel companion
RCBC Bankard UnionPay Fees & Charges
|Membership Fee Principal||P1,500/year for UnionPay Classic|
|P3,000/year for UnionPay Diamond|
|Membership Fee Supplementary||P750/year for UnionPay Classic|
|waived up to 9 Supplementary Cards|
|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)|
|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|
|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.|