Hexagon Club Platinum Mastercard

Enjoy a life full of rewards!

HEXAGON CLUB - BANNWR.png
The RCBC Bankard Hexagon Club Platinum Mastercard
  • It's a complimentary card that comes with a Hexagon Club Privilege membership. Hexagon Club is RCBC's premier club for accountholders where members enjoy premium banking service and special perks for a total RCBC banking experience.
  • Hexagon Club members can enjoy dedicated Business Relationship Manager, priority service, no ATM withdrawal fees and waived branch fees, invitation to exclusive events, and more. To know more about these perks and privileges, visit www.rcbc.com/hexagon-club-privilege.
  • With an RCBC Bankard Hexagon Club Platinum Mastercard, enjoy flexible non-expiring Rewards points on all your purchases, fully-loaded international travel benefits including FREE Travel Insurance and Purchase Protection, Bonus Travel Limit, and access to world-class airport lounges.
  • Plus, enjoy waived annual fees for life.

How  can I be a Hexagon Club member?

Simply open any RCBC Checking or Savings account and maintain the required deposit of at least Php100,000.

Membership Fee Principal
Waived for life
Membership Fee Supplementary waived up to 3 Supplementary Cards; in excess, P1,800/year
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%
First Year Membership FeeWAIVED
Returned Check Fee P1,000 / US$40
Invoice Retrieval Fee P150 / US$5
Card Replacement Fee P300 / US$25
Cash Advance Fee 3% of cash amount availed of or P500 (US$10 for Black Card Di, 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).  For Dollar Cards, US$8; in cases of multiple past due occurrences exceeding 3 months for the past 12 months: US$10 (4 to 6 months) or US$12 (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. (Facility not available to Dollar Card)
Unli 0% Processing FeeP100 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 Fee5% 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.
Over Limit Fee Php500 (for Peso-denominated cards) or US$10 (for Dollar-denominated cards) 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 (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
Promos for this Card
Save 7% OFF on your sightseeing activities via KKday with your RCBC Bankard Mastercard.
Enjoy US$10 off all Thailand activities via Klook with your RCBC Bankard Mastercard.
Stay two nights or more and enjoy 35% OFF on best available rate at Wyndham Hotels & Resorts with your RCBC Bankard Mastercard.

Enroll in Hexagon Club today.

Find your nearest RCBC branch.