RCBC Credit Cards

Choose from an array of RCBC Credit Cards committed to providing you with the best benefits and credit card features or deals. Enjoy financial Independence while moving up to the ladder of success. Bask in generous rewards program that does not expire or put a cap on the quantity of rewards that you can earn with your RCBC credit card. Check out credit cards from our partner banks, choose the one that's right for you and apply online.

 RCBC Bankard Unionpay Card

RCBC Bankard Unionpay Card

  • 0% installment plan for 3 to 12 months
  • Get 15% OFF at Flowerstore.ph using your RCBC Bankard. Promo period October 31, 2020.
  • Access to MIASCOR Airport Lounge Service
  • Earn 1 rewards point for a minimum spend of PHP36.00, PHP125.00 spend on supermarket, drugstores & gas stations
  • Rewards points can be converted into airmile
  • Avail of balance transfer simply by calling customer service at 8877 7222
  • Income Requirement: PHP250,000.00 Gross Annual Income
  • Monthly Effective Interest Rate 3.50 %
RCBC Bankard Black Card Platinum Mastercard

RCBC Bankard Black Card Platinum Mastercard

  • Get 15% OFF at Flowerstore.ph using your RCBC Bankard. Promo period October 31, 2020.
  • Reward points can be converted into airmile
  • Income Requirement: PHP498,000.00 Gross Annual Income
  • Monthly Effective Interest Rate 3.50 %
RCBC Bankard Classic Card

RCBC Bankard Classic Card

  • 0% installment plan for 3 to 12 months
  • FREE Travel Insurance PHP500,000.00 for local, PHP1,000,000.00 for international
  • Get 15% OFF at Flowerstore.ph using your RCBC Bankard. Promo period October 31, 2020.
  • Earn 1 rewards point for a minimum spend of PHP36.00, PHP125.00 spend on supermarket, drugstores & gas stations
  • Rewards points can be converted into airmile
  • Avail of balance transfer simply by calling customer service at 8877 7222
  • Income Requirement: PHP250,000.00 Gross Annual Income
  • Monthly Effective Interest Rate 3.50 %
RCBC Bankard Diamond Card Platinum Mastercard

RCBC Bankard Diamond Card Platinum Mastercard

  • 0% installment plan for 3 to 12 months
  • Get 15% OFF at Flowerstore.ph using your RCBC Bankard. Promo period October 31, 2020.
  • Earn 1 rewards point for a minimum spend of PHP50.00, PHP125.00 spend on supermarket, drugstores & gas stations
  • Rewards points can be converted into airmile
  • Avail of balance transfer simply by calling customer service at 8877 7222
  • Income Requirement: PHP480,000.00 Gross Annual Income
  • Monthly Effective Interest Rate 3.50 %
RCBC Bankard Fully Booked Mastercard

RCBC Bankard Fully Booked Mastercard

  • 0% installment plan for 3 to 12 months
  • FREE PHP500.00 Fully Booked gift certificate for a minimum spend of PHP12,000.00 anywhere for the first 3 months of card.
  • Get 15% OFF at Flowerstore.ph using your RCBC Bankard. Promo period October 31, 2020.
  • 10% rebate at Fully Booked, Bibliarchand sketch books when you charge a minimum of PHP20,000.00, 0.50% rebate on out store spending.
  • Avail of balance transfer simply by calling customer service at 8877 7222
  • Income Requirement: PHP250,000.00 Gross Annual Income
  • Monthly Effective Interest Rate 3.50 %
RCBC Bankard Gold Card

RCBC Bankard Gold Card

  • 0% installment plan for 3 to 12 months
  • FREE Travel Insurance PHP500,000.00 for local, PHP1,000,000.00 for international
  • Get 15% OFF at Flowerstore.ph using your RCBC Bankard. Promo period October 31, 2020.
  • Earn 1 rewards point for a minimum spend of PHP36.00, PHP125.00 spend on supermarket, drugstores & gas stations
  • Rewards points can be converted into airmile
  • Avail of balance transfer simply by calling customer service at 8877 7222
  • Income Requirement: PHP360,000.00 Gross Annual Income
  • Monthly Effective Interest Rate 3.50 %
RCBC Bankard LJC Mastercard

RCBC Bankard LJC Mastercard

  • 0% installment plan for 3 to 12 months
  • Get 15% OFF at Flowerstore.ph using your RCBC Bankard. Promo period October 31, 2020.
  • Earn per spending PHP100.00 = 1 reward point
  • Avail of balance transfer simply by calling customer service at 8877 7222
  • Income Requirement: PHP250,000.00 Gross Annual Income
  • Monthly Effective Interest Rate 3.50 %
RCBC Bankard Mango Mastercard

RCBC Bankard Mango Mastercard

  • 0% installment plan for 3 to 12 months
  • Get 15% OFF at Flowerstore.ph using your RCBC Bankard. Promo period October 31, 2020.
  • Earn 1 rewards point for a minimum spend of PHP125.00, PHP250.00 spend on supermarket, drugstores & gas stations
  • Avail of balance transfer simply by calling customer service at 8877 7222
  • Income Requirement: PHP250,000.00 Gross Annual Income
  • Monthly Effective Interest Rate 3.50 %
RCBC Bankard Sta. Lucia Mall Mastercard

RCBC Bankard Sta. Lucia Mall Mastercard

  • 0% installment plan for 3 to 12 months
  • Get 15% OFF at Flowerstore.ph using your RCBC Bankard. Promo period October 31, 2020.
  • 0.5% rebate on all retail transactions
  • Earn 1 rewards point for a minimum spend of PHP100.00, earn 5x rewards points for PHP10,000.00 spending
  • Avail of balance transfer simply by calling customer service at 8877 7222
  • Income Requirement: PHP250,000.00 Gross Annual Income
  • Monthly Effective Interest Rate 3.50 %
RCBC Bankard The Landmark Anson's Mastercard

RCBC Bankard The Landmark Anson's Mastercard

  • 0% installment plan for 3 to 12 months
  • Get 15% OFF at Flowerstore.ph using your RCBC Bankard. Promo period October 31, 2020.
  • 5% rebate on Landmark department stores
  • Earn per spending PHP50.00 = 1 reward point, PHP83.33 from purchases elsewhere
  • Avail of balance transfer simply by calling customer service at 8877 7222
  • Income Requirement: PHP250,000.00 Gross Annual Income
  • Monthly Effective Interest Rate 3.50 %
RCBC Bankard Visa Infinite Card

RCBC Bankard Visa Infinite Card

  • 0% installment plan for 3 to 12 months
  • FREE Travel Insurance PHP500,000.00 for local, PHP1,000,000.00 for international
  • Get 15% OFF at Flowerstore.ph using your RCBC Bankard. Promo period October 31, 2020.
  • Access to MIASCOR Airport Lounge Service
  • Earn 1 rewards point for a minimum spend of PHP36.00, PHP125.00 spend on supermarket, drugstores & gas stations
  • Rewards points can be converted into airmile
  • Avail of balance transfer simply by calling customer service at 8877 7222
  • Income Requirement: PHP498,000.00 Gross Annual Income
  • Monthly Effective Interest Rate 3.50 %
RCBC Bankard Wilcon Mastercard

RCBC Bankard Wilcon Mastercard

  • 0% installment plan for 3 to 12 months
  • Get 15% OFF at Flowerstore.ph using your RCBC Bankard. Promo period October 31, 2020.
  • PHP200.00 = 1 rewards point, 3x rewards points for purchases at Wilcon
  • Avail of balance transfer simply by calling customer service at 8877 7222
  • Income Requirement: PHP250,000.00 Gross Annual Income
  • Monthly Effective Interest Rate 3.50 %
RCBC Bankard Citrus Mastercard
This product is not available at the moment.

RCBC Bankard Citrus Mastercard

  • 0% installment plan over a 3 to 12 months
  • Earn per spending PHP125.00 = 1 reward point, PHP250.00 from purchases from grocery, drugstore, gas stations
  • Avail of Balance transfer simply by calling customer service at 8877 7222
  • Income Requirement: PHP180,000.00 Gross Annual Income
  • Monthly Effective Interest Rate 3.25 %
RCBC Bankard HBC Mastercard
This product is not available at the moment.

RCBC Bankard HBC Mastercard

  • 0% installment plan for 3 to 12 months
  • Get 15% OFF at Flowerstore.ph using your RCBC Bankard. Promo period October 31, 2020.
  • 10% cash rebate at purchases at HBC
  • Avail of balance transfer simply by calling customer service at 8877 7222
  • Income Requirement: PHP250,000.00 Gross Annual Income
  • Monthly Effective Interest Rate 3.50 %
RCBC Bankard Web Shopper
This product is not available at the moment.

RCBC Bankard Web Shopper

  • 0% installment plan for 3 to 12 months
  • Get 15% OFF at Flowerstore.ph using your RCBC Bankard. Promo period October 31, 2020.
  • Avail of balance transfer simply by calling customer service at 8877 7222
  • Income Requirement: PHP180,000.00 Gross Annual Income
  • Monthly Effective Interest Rate 3.50 %

Features of RCBC credit card

  • Safe and secure online shopping via EMV chip technology, shop secure (one-time password or otp), credit protect plus, and web shopper
  • Non-expiring rewards points
  • Get FREE travel insurance coverage up to PHP1,000,000
  • Get exclusive access to world-class airport lounges like Miascor and Skyview Lounges
  • Enjoy 0% installment for your purchases abroad
  • Pay your bills at your own convenience via FastBillsPay. Just choose between auto-charge or on-demand
  • Get to choose the way you want to be rewarded from among a variety of flexible modes of rewards redemption (airmiles, cash rebate, shopping voucher, cash credit, manager’s check, deposit, and donation)
  • Pay your big-ticket item via 0% installment program for 3, 6, 9, 12, 24 or up to 36 months term
  • Convert your straight single or multiple purchases from any establishments to easy installment plan at low add-on rates per month and payment terms of up to 36 months
  • Transfer other non-rcbc credit card balance for as low as 0.79% monthly add-on rates
  • Get extra cash whenever you need it with RCBC Bankard’s cash loan

General eligibility in applying for RCBC Credit Card Application

  • Applicant must be a Filipino Citizen and Philippine Resident
  • You must be at least 21 years old.
  • ou must have a landline in your place or work/business
  • Employed as a Regular Employee for at least 1 year

Document requirements for RCBC credit card

  • A copy of One (1) Valid Government issued ID with photo and signature
  • A copy of any proof of income.
  • If employed, submit ANY of the following (1. Income Tax Return and/or W2 with BIR or Bank Stamp, 2. Latest Payslip stating monthly salary, 3. Original Certificate of Employment (COE) with annual income details signed by authorized Human Resources Group signatory. COE must not be more than six (6) months old).
  • If self-employed, proprietor or businessman, submit ANY of the following: (1. Latest Audited Financial Statement with BIR or Bank Stamp, 2. Photocopy of Income tax Return and/or W2 BIR or Bank Stamp).
Type of CardMin. Required
Income
Annual FeeInterest ChargeReward Type
RCBC Bankard
Classic Card
PHP180,000Principal: PHP1,500
Supplementary: PHP750
3.50%Promotions, Shopping, Rewards
RCBC Bankard Web ShopperPHP180,000No annual fee3.50%Shopping
RCBC Bankard
Citrus Mastercard
PHP180,000Principal: PHP1,800
Supplementary: PHP1,200
3.25%Shopping
RCBC Bankard
Mango Mastercard
PHP180,000Principal: PHP1,200
Supplementary: PHP900
3.50%Shopping
RCBC Bankard Sta. Lucia
Mall Mastercard
PHP180,000Principal: PHP1,200
Supplementary: PHP600
3.50%Shopping
RCBC Bankard
Wilcon Mastercard
PHP180,000Principal: PHP1,200
Supplementary: PHP900
3.50%Shopping
RCBC Bankard Fully
Booked Mastercard
PHP180,000Principal: PHP1,500.00
Supplementary: PHP900
3.50%Rewards
RCBC Bankard
Unionpay Card
PHP180,000Principal: PHP3000
Supplementary: No annual fee
3.50%Rewards, Shopping
RCBC Bankard The Landmark
Anson's Mastercard
PHP180,000Principal: PHP960
Supplementary: PHP480
3.50%Shopping
RCBC Bankard
LJC Mastercard
PHP180,000Principal: PHP960
Supplementary: PHP720
3.50%Shopping
RCBC Bankard
HBC Mastercard
PHP200,000Principal: PHP960
Supplementary: PHP480
3.50%Shopping
RCBC Bankard Gold CardPHP360,000Principal: PHP3,000
Supplementary: PHP1,500
3.50%Travel
RCBC Bankard Diamond
Card Platinum Mastercard
PHP480,000Principal: PHP2,500
Supplementary: PHP950
3.50%Airmiles, Travel
RCBC Bankard Black Card
Platinum Mastercard
PHP498,000Principal: PHP3,600
Supplementary: PHP1,800
3.50%Travel, Promotions
RCBC Bankard Visa
Infinite Card
PHP498,000Principal: PHP3,600
Supplementary: No annual fee
3.50%Rewards, Travel

RCBC Credit Card Promos

  • Get exclusive privileges and more at Starwood Hotels & The Ritz-Carlton. Promo valid until December 31, 2018.
  • Get FREE Sony headphone as a welcome gift for a minimum spend using your card. Promo runs from April 1 to June 30, 2018. Redemption period is until October 31, 2018.
  • Enjoy exclusive travel privileges. Get up to 60% OFF on these merchants (Discovery Suites, Discovery Shores Boracay Island, Country Suites, Crimson, Club Paradise Palawan, and Anya Resort Tagaytay). Promo runs from March 16, 2018 to March 15, 2019.
  • Get up to 30% OFF on dining with your RCBC Bankard Visa. Promo valid until March 15, 2019.

View all RCBC Bankard Credit Card Promos

Other RCBC Products:

FAQs

How will I receive my approved credit card from RCBC?

Approved RCBC credit card application will be delivered to your house address within 3-7 days.

How much is the minimum monthly payment?

The minimum monthly payment is 5% of the total amount due or PHP 500.00, whichever is higher. This includes past due amounts and/or current late charges, as well as over-limit amount.