Welcome Gift of up to 8,000 BIG Points
With your AirAsia Credit Card, spend at least Php 20,000 within 60 days of card delivery, register, and enjoy free flights or digital shopping vouchers!
Qualified new-to-RCBC Bankard cardholders will receive 8,000 AirAsia BIG Points while qualified existing RCBC Bankard cardholders will receive 4,000 AirAsia BIG Points. Cardholders can choose what to redeem using their available BIG points such as free flights or digital vouchers from Lazada, SM Gift Pass, Grab, and many more! To redeem and see list of partners, log on to the BIG Loyalty app.
Once the spend requirement is met, fill out the online redemption form here.
Terms & Conditions
|Cut-off Date||Crediting of Welcome BIG Points|
|End of the month||Within 10 working days from extraction|
Come aboard AirAsia’s flights and enjoy better rewards that let you travel to every destination in AirAsia’s network. With your AirAsia Credit Card, earn 1 AirAsia BIG Point for as low as Php22!
|Spend Type||AirAsia BIG Points conversion|
|AirAsia Purchase||2 points for every Php25 spend|
|Domestic Retail Purchase||1 point for every Php28 spend|
|International Retail Purchase||1 point for every Php22 spend|
AirAsia Credit cardholders automatically qualify for the AirAsia BIG Platinum status for the first year of card issuance which means you will be able to check-in first using designated counters where available, and then be one of the first to board the plane with Priority Boarding. In addition, you will also have the privilege of Xpress Baggage.
If you are traveling with a companion, he/she can avail of the same benefits provided that he/she also has a BIG Platinum card/AirAsia credit card and his/her BIG member ID has been added to the Manage My Booking page in the AirAsia website at the time booking. To make sure you enjoy these wonderful benefits, don't forget to provide your BIG member ID when booking flights online or thru a travel agent.
Also, as a BIG Platinum Member, you get first dibs on AirAsia’s BIG sale and participate in Final Call Sale where you can save up to 90% on AirAsia flights.
To maintain your BIG Platinum status* for the second year onwards, you must reach the minimum spend requirement per year:
Terms and Conditions
General Terms and Conditions
EMV Chip Technology
Enjoy the benefit of the chip technology that will help increase security and reduce fraud.
Access to World-Class Airport Lounges
Enjoy the comfort and luxury of world- class airport lounges while waiting for your flight.
Choose the right RCBC Bankard credit card for you.
Accomplish the online application form, submit documentary requirements and digitally verify yourself.
We’ll get in touch with you to verify some information on your application.
You will get a notification once your card is on its way to you!
You can also apply for an RCBC Bankard credit card at any RCBC or RCBC Savings Bank branch.
Requirements for Employees
Requirements for Self-employed or Businessman
|Membership Fee Principal||
|Membership Fee Supplementary||Php150/month|
|Monthly Interest Rate/Monthly Effective Interest Rate||2%|
|Returned Check Fee||Php1,000|
|Invoice Retrieval Fee||Php150|
|Card Replacement Fee||Php300|
|Cash Advance Fee||Php200|
|Late Payment Fee||Php850 or the Minimum Amount Due, whichever is lower.|
|Installment Pre-Termination Fee||5% of the unpaid amount or Php500, whichever is higher plus one month's worth of interest, as computed based on the unpaid balance|
|Unli Installment||No processing fee. Subject to prevailing interest rate. If pre-terminated, Installment Pre-Termination Fee will apply.|
|Unli 0% Processing Fee||A one-time Unli 0% Installment processing fee of: (a) 1% of the transaction amount for purchases Php30,000 and up (b) Php200 for each transaction amounting to Php10,000 – below Php30,000 (c) Php100 for each transaction below Php10,000|
|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 Php1,000, whichever is higher.|
|Cash Loan and Your Cash! Processing Fee||A one-time processing fee of Php250 if preferred cash disbursement is through RCBC bank deposit and Php350 for non-RCBC bank deposit or check delivery. A reprocessing fee of Php150 will be charged for errors on Recipient Account Details.
|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 sale, whether executed in the Philippines, abroad or online, a service fee of 2.25% shall be applied to transactions amounting to Php1,000 and up, or its foreign currency equivalent.|
|Multiple Payment Fee||Php40 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||Php200 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||Php600 to be charged at any time when the outstanding balance plus unbilled installment exceeds the permanent credit limit. The Over Limit Fee will be charged once within the statement cycle.|
|Balance Transfer Processing Fee||Php250|
|Balance Conversion Processing Fee (Regular)||Php200|
|Minimum Amount Due||Computed as (Total Statement Balance – Transactions Posted on the Current Statement - Amount Past Due – Current Late Charge) * 3% + (Amount Past Due + Current Late Charge + Current Over Limit Amount) OR Php500, whichever is higher. For Peso-Denominated Cards, the Minimum Amount Due is the rounded down to the nearest multiple amount of Php100 for computed payment amount between Php500 – Php1,000, Php500 for computed payment amount between Php1,000 to Php3,000 and Php1,000 for computed payment amount above Php3,000.|