EMV Chip Technology
Enjoy the benefit of the chip technology that will help increase security and reduce fraud.
Mastercard E-Commerce Protection
Get free insurance on your online purchases with your premium RCBC Bankard Mastercard!
Free Travel Insurance & Purchase Protection
Get the assurance and protection you need when travelling abroad.
Access to World-Class Airport Lounges
Enjoy the comfort and luxury of world- class airport lounges while waiting for your flight.
Simply open any RCBC Checking or Savings account and maintain the required deposit of at least Php100,000.
|Membership Fee Principal||
FREE for life
|Membership Fee Supplementary||FREE FOR LIFE up to 3 supplementary; P1,800 for the excess|
|Monthly Interest Rate||3.50% | 2.50%|
|Retail Monthly Effective Interest Rate*||3.54% / 2.52%|
|Cash Advance Monthly Effective Interest Rate*||3.55% / 2.523%|
|Cash Advance Limit||50% or P250,000 whichever is lower|
|Returned Check Fee||P1,000|
|Invoice Retrieval Fee||P150 / US$5|
|Card Replacement Fee||P500|
|Cash Advance Fee||3% or P500 whichever is higher|
|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).|
|Over Limit Fee||P500 (if the OB exceeds the CL by more than 1,000)|
|Installment Pre-Termination Fee||5% of the unpaid amount or P500, whichever is higher|
|Unli Installment||No processing fee. Subject to prevailing interest rate. If pre-terminated, Installment Pre-Termination Fee will apply. (Facility not available to Dollar Card)|
|Unli 0% Processing Fee||P100 for purchases below P10,000 and P200 for purchases P10,000 and up. (Facility not available to Dollar Card)|
|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 for dollar cards), whichever is higher.|
|Cash Loan, C.H.A.R.G.E and Your Cash! Processing Fee||P150 for credit to an RCBC account or P250 other Banks; P250 for cheque delivery. (Facility not available to Dollar Card)|
|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. For Dollar Cards, 3.50% representing the Mastercard/ Visa/JCB/UnionPay assessment fees and the Bank's service fee. For transactions using currency other than USD converted to USD 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 US$20 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/US$4 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/US$4 or an amount equivalent to the credit balance (whichever is lower) if there's no activity for 3 months.|
|Balance Transfer Processing Fee||P100 (Facility not available to Dollar Card)|
|Minimum Amount Due||The sum of (a) 5% of Total Amount Due or P500 (US$15 for dollar cards), whichever is higher; (b) Past Due Amount (if any); (c) Current Late Charges; and (d) Over-Limit Amount|