RCBC Bankard Gold Card

Get the convenience of cashless and secure payments anywhere you go with RCBC Gold Card. Plus, you can earn rewards points and convert purchases to installment terms.

Not the card you are looking for? Check out all current RCBC credit card promos here.

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Reasons to get this credit card

FREE Travel Accident Insurance PHP500,000.00 local, PHP1,000,000.00 international
FREE annual fee for the first year
Earn rewards point for every spend of PHP36.00 = 1 point

I'm Interested

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Browse all current and past promos for RCBC Credit Cards here.

Overview

Customer Type	Resident Filipino Individual Resident Foreign Individual
Eligibility	Employed - Private Sector Employed - Government Professional Self-Employed
Minimum Annual Income	PHP360,000.00
Age	Principal: 21-65 years old Supplementary: 13-65 years old
Annual Fee	Principal: PHP3,000.00 Supplementary: PHP1,500.00
Cash Advance Fee	PHP500.00 or 3% of cash amount availed whichever is higher
Late Payment Fees	PHP400.00 in case of multiple past due exceeding 3 months, PHP500.00 for 4 to 6 months or PHP600 for 7 months and above
Card Replacement Fee	PHP500.00 for every card replacement

Features

Zero Monthly Installment

0% installment plan for 3 to 12 months

Travel

FREE Travel Insurance PHP500,000.00 for local, PHP1,000,000.00 for international

Promotions

For a minimum single-receipt purchase or installment of PHP4,000.00 at the SM Store using your RCBC Bankard, get a FREE PHP100.00 SM Gift Pass. Registration and spend period until November 15, 2019

Reward Points

Earn 1 rewards point for a minimum spend of PHP36.00, PHP125.00 spend on supermarket, drugstores & gas stations

Frequent Flyer Miles

Rewards points can be converted into airmile

Balance Transfer

Avail of balance transfer simply by calling customer service