RCBC Bankard InstaCard

Get the RCBC Bankard credit card suited to your needs without having to wait for credit approval! It’s 100% guaranteed with no credit check regardless of your past credit history. Plus you determine the credit limit you want.

Enjoy the following unique benefits with your RCBC Bankard credit card:

  • Low revolving fee of only 2.5% per month
  • Low membership fee of P60 per month for Regular Cards; P150 for Premium Cards


To get your RCBC Bankard, simply:

  1. Choose the right RCBC Bankard credit card for you. See all RCBC Bankard credit cards here.
  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 95% 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.
  6. Revolving interest rate is a low 2.5% for peso cards and 2.0% for dollar cards.


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 RCBC Bankard InstaCard Fees & Charges


Membership Fee Principal

Membership Fee Supplementary







Diamond Card Platinum Mastercard


waived up to 3 Supplementary Cards, in excess P75/month

Black Card Peso Platinum Mastercard


Free for 3, in excess P75/month

Black Card Dollar Platinum Mastercard


Free for life

Visa Infinite


Free for 3, in excess P75/month

World Mastercard


Free for 3, in excess P75/month



Free for 3, in excess P75/month

Landmark Anson’s MasterCard

 P60/month  P30/month

Wilcon MasterCard

  P60/month  P30/month

LJC MasterCard

  P60/month  P30/month

Mango MasterCard

  P60/month  P30/month

Sta. Lucia Mall MasterCard

  P60/month  P30/month

Fully Booked MasterCard

  P60/month  P30/month

HBC MasterCard

  P60/month  P30/month
Monthly Interest Rate/ Monthly Effective Interest Rate 2.5% /2.53%
Returned Check Fee P1,000 / US$25 (for Dollar Cards)
Invoice Retrieval Fee P150 / US$5 (for Dollar Cards)
Card Replacement Fee P300 / US$25 (for Dollar Cards)
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.) 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$15, 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.