Wilcon-RCBC Bankard MasterCard

Wilcon-RCBC Bankard Mastercard

Get the card that you can use to build or renovate your dream home. Enjoy triple rewards points for every purchase plus a separate installment limit for big-ticket buys leaving your regular credit limit free for emergency purchases. 

  • Separate Installment Limit for your big-ticket installment purchases
  • Earn 3X rewards points for your purchases at Wilcon


Separate Installment Limit

Enjoy a separate Installment Limit for your big-ticket installment purchases to leave your regular credit card limit free for your regular purchases.  Your Installment Limit will be equivalent to your regular credit limit.


Exclusive Privileges

  • 0% EasyTerms Installment on selected items at Wilcon at 3, 6, 9 and 12 installment terms for a minimum purchase of P3,000.
  • Special Buys at all Wilcon stores


Rewards Program

Earn one (1) rewards point each time you charge P200 plus earn 3X rewards points for your purchases at Wilcon. Accumulate these rewards points and redeem them as Rewards Vouchers which you can use at Wilcon.

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 –

RCBC Bankard Wilcon Mastercard Fees & Charges

Membership Fee Principal P100/month
Membership Fee Supplementary P75/month
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.