LJC Mastercard

The total dining card that lets you enjoy a plateful of dining benefits.

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Why Choose RCBC Bankard LJC Mastercard?


  • 10% Discount every time you dine at any LJC restaurant
  • Free bottle of wine as a welcome gift
  • Up to 50% Birthday discount on birthday month
  • Free Dining Gift Certificate on your card’s anniversary date
  • Earn non-expiring Rewards points from all your purchases which you can exchange for Dining Vouchers that you can use at any LJC Restaurant.
  • International Travel Privileges – Travel Plus Lite Insurance, Purchase Protection and Access to the Skyview Airport Lounge


10% Discount All Year Round

  1. The 10% discount cannot be combined with other discounts. If, for instance, the cardholder has a Senior Citizen’s discount already, the higher amount of discount will be applied.
  2. Discounts can only be enjoyed if the cardholder uses his/her LJC-RCBC Bankard Mastercard to settle his/her bill. Thus, to continue enjoying the card’s benefits, the cardholder must keep his/her card active and in good standing.

Welcome Gift

  1. The Free Bottle of Wine welcome gift voucher will be given to the Principal Cardholder although both he/she and his/her extension cardholders can claim the bottle of wine. They must, however, use their LJC-RCBC Bankard Mastercard at any LJC restaurant and surrender their Free Bottle of Wine Welcome Gift Voucher upon settlement of their bill.
  2. Lost vouchers will not be replaced.

Birthday Discount

  1. The Birthday Discount is valid only on the cardholder’s birth month and the month after. It can be used only once any time during this period.
  2. When using the Birthday Month discount, the principal or extension cardholder must settle his/her bill using the LJC-RCBC Bankard Mastercard. He/She needs to surrender the Birthday Month Discount Voucher when paying so that the discounted amount can be deducted accordingly.
  3. The Birthday Discount is applied only to the cardholder’s share of the total bill; thus for a party of two, the discount is 50%; for a party of three, the discount is 33%, and so on. The discount cannot be combined with other discounts and restaurant promos.
  4. Lost Birthday Discount vouchers will not be replaced.

Frequent Diner Discount

  1. The amount of LJC Gift Certificates to be issued to the cardholder will be based on a percentage of his/her total spending in any LJC restaurant during the past year. Accumulated Spend Voucher Amount P10,000 P 500 (5%) P20,000 P1,000 (5%) P40,000 P3,000 (7.5%) P60,000 and up P6,000 (10%)
  2. Only cardholders who are active and in good standing at the time of their card’s anniversary are qualified to get the Frequent Diner Vouchers on their card’s anniversary month.
  3. Voucher/s will be mailed directly to the cardholder’s billing address and can be used at any LJC restaurant. It will bear the names of the qualified principal and supplementary cardholders.
  4. Voucher/s will be printed in denominations of Php500 and Php1,000 and are valid for two (2) months from date of issuance. Amounts in excess of the voucher/s will be paid for by the cardholder using his/her LJC-RCBC Bankard Mastercard unless the card is declined for some reason, in the event of which, the cardholder may pay through other means.
  5. To use the Frequent Diner Voucher/s, the principal or extension cardholder must use his/her LJC-RCBC Bankard Mastercard at any LJC restaurant and surrender his/her Frequent Diner voucher/s when paying for his/her bill. The amount of the voucher/s will be deducted from the total bill.
  6. In case of loss, voucher/s may be replaced provided these have not yet been used. If the vouchers have been used, RCBC Bankard will charge the amount of the lost voucher/s to the cardholder.


How to Apply

  • 1. Choose a Card

    Choose the right RCBC Bankard credit card for you.

  • 2. Apply Online

    Accomplish the online application form, submit documentary requirements and digitally verify yourself.

  • 3. Verification

    We’ll get in touch with you to verify some information on your application.

  • 4. Card Delivery

    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.

  • You must be 21-65 years old to qualify as a Principal Cardholder.
  • You must be 13-65 years old to qualify as a Supplementary Cardholder.
  • You must have a mobile number and landline in your place of work.

    Requirements for Employees

  • Completely filled-out and signed application form
  • A copy of one (1) valid ID with photo and signature
  • A copy of any proof of income:
    • Income Tax Return and/or W2 with BIR or Bank Stamp
    • Latest payslip stating monthly salary
    • Original Certificate of Employment (COE) with annual income details and signed by authorized Human Resources Group signatory. COE must not be more than six (6) months old

    Requirements for Self-employed or Businessman

  • Completely filled-out and signed application form
  • A copy of one (1) valid ID with photo and signature
  • Latest Audited Financial Statement with BIR or Bank Stamp and photocopy of Income Tax Return and/ or W2 with BIR or Bank Stamp.
Membership Fee Principal
P80/month
Membership Fee Supplementary P60/month
Monthly Interest Rate 3.50% 
Retail Monthly Effective Interest Rate*3.55%
Cash Advance Monthly Effective Interest Rate*3.56%
First Year Membership FeeWAIVED
Returned Check Fee P1,000
Invoice Retrieval Fee P150
Card Replacement Fee P300
Cash Advance Fee 3% of cash amount availed of or P500, 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). 
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.
Unli 0% Processing FeeP100 for purchases below P10,000 and P200 for purchases P10,000 and up.
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, whichever is higher.
Cash Loan, C.H.A.R.G.E and Your Cash! Processing Fee P150 for credit to an RCBC or RCBC Savings Bank account; P250 for deposit to other Banks; P250 for cheque delivery.
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.
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 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 or an amount equivalent to the credit balance (whichever is lower) if there's no activity for 3 months.
Over Limit Fee Php500 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 
Minimum Amount Due The sum of (a) 5% of Total Amount Due or P500, whichever is higher; (b) Past Due Amount (if any); (c) Current Late Charges; and (d) Over-Limit Amount
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