Secured Card

Get the RCBC Bankard credit card suited for your needs without having to wait for credit approval!

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Why Choose RCBC Bankard InstaCard?
  • A Savings Deposit account with 100% approved credit card regardless of your past credit history
  • Credit Limit assignment shall be 90% of hold-out deposit
  • Membership Fee is free for the first 12 months and lower than usual for succeeding months.
  • Determine the credit limit you want

How to Apply

  • 1. Choose a Card

    Choose the right RCBC Bankard credit card for you.

  • 2. Go to Your Branch

    Go to your nearest RCBC branch to open a deposit account.

  • 3. Submit

    Accomplish the application form and submit the required documents.

You can also apply for an RCBC Bankard credit card at any RCBC or RCBC Savings Bank branch.

Questions? Look here.

  1. Choose the right RCBC Bankard credit card for you.
  2. Go to your nearest RCBC branch to open an InstaCard account. Applicants shall be required to open a Savings Deposit account in any RCBC Branch following the required initial deposit and maintaining balance.
  3. Accomplish and submit the following required documents:
    • InstaCard Application Form (form available at the branch)
    • Savings Account Opening Forms (form available at the branch) 
    • Deed of Assignment (form available at the branch) 
    • Valid IDs
  1. Applicant must be at least 21 years old.
  2. Applications for InstaCard will only be processed if the Applicant does not have a delinquent RCBC Bankard account.
  3. A minimum hold-out deposit amount of P10,000/US$2,000 is required.
  4. The Deposit amount indicated by the client for InstaCard application shall be put on hold and shall be subject to the following:
    • The Deposit account number and amount specified in the Deed of Assignment and on the application form shall serve as the security collateral and credit limit for the card.
    • Credit Limit assignment shall be 90% of hold-out deposit. 
    • The hold-out amount shall be in effect until 60 days after the request for cancellation and until confirmed by RCBC Bankard. 
    • If credit card is cancelled, hold-out on the deposit can only be released after 60 days to allow posting of late billings. 
  5. Membership Fee is free for the first 12 months and lower than usual for succeeding months.
Membership Fee Principal as low as P60/month for Regular Cards; P150/month for Premium Cards
Membership Fee Supplementary as low as P30/montth
Monthly Interest Rate 2.50% 
Retail Monthly Effective Interest Rate*2.52%
Cash Advance Monthly Effective Interest Rate*2.523%
First Year Membership FeeWAIVED
Returned Check Fee P1,000
Invoice Retrieval Fee P150
Card Replacement Fee P300
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 Fee5% of the unpaid amount or P500, whichever is higher
Unli InstallmentNo processing fee. Subject to prevailing interest rate. If pre-terminated, Installment Pre-Termination Fee will apply.
Unli 0% Processing FeeP100 for purchases below P10,000 and P200 for purchases P10,000 and up.
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, C.H.A.R.G.E and Your Cash! Processing Fee P150 for credit to an RCBC or RCBC Savings Bank account; P250 for deposit to other Banks; P250 for cheque delivery.
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.
Balance Transfer Processing FeeP100 
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

Still have questions? Contact us.