Flex Visa

The card that will enable millennials to achieve their life goals

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Why Choose RCBC Bankard Flex Visa?
Enjoy the flexibility of earning points faster and the flexibility to redeem what you want! Plus, have the financial muscle to manage your budget better.
  • Get 2x Rewards in two preferred categories! Choose from DINING, CLOTHING, TRAVEL, or TRANSPORTATION. Switch preferred categories once every billing cycle. Plus, earn Rewards points for all your other spending anywhere!
  • Exchange them for shopping vouchers, redeem as cash rebate, use them as cash credit to your deposit account, or as donation to a charitable institution. Want free flights? Just enroll in the AIRMILES Program. The choice is yours!
  • Free Travel Insurance (Travel Plus Lite) & Purchase Protection when you charge all your international travel-related needs to your card
  • Access to the Skyview Airport Lounge
  • Convenient and rewarding bills payment

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
P1,500/year
Membership Fee Supplementary P750/year
Monthly Interest Rate/Monthly Effective Interest Rate 2%
Returned Check Fee P1,000
Invoice Retrieval Fee P150
Card Replacement Fee P300
Cash Advance Fee P200
Late Payment Fee P400; in cases of multiple past due occurances exceeding 3 months for the past 12 months; P500 (4 to 6 months) or P600 (7 months and above).

Effective January 15, 2021: P850 or the Minimum Amount Due, whichever is lower.
Installment Pre-Termination Fee5% of the unpaid amount or P500, whichever is higher plus one month's worth of interest, as computed based on the unpaid balance
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 deposit account or P250 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 P200 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 to be charged on cycle day when the outstanding balance plus unbilled installment exceeds the permanent credit limit on cycle day.

Effective January 15, 2021: P600 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 FeeP100 
Minimum Amount Due The Minimum Amount Due is the rounded down to the nearest multiple amount of P100 for computed payment amount between P500 – P1,000, P500 for computed payment amount between P1,000 to P3,000 and P1,000 for computed payment amount above P3,000. Computation of the payment amount is either (a) ) the total outstanding balance within cardholder's credit limit less transactions posted in current statement, past due amount and current late charges, multiplied by the required payment percentage determined by the cardholder plus the entire excess over the credit limit, all the past due amounts and late payment penalty fees, if any; or (b) P500, whichever is higher. If Computed Amount is less than P500, Minimum Amount due shall be the total statement due amount.
Promos for this Card
Enjoy up to ₱150 OFF on your online grocery purchases at Sta. Lucia Grocers.
Enjoy up to 50% OFF at the MANGO Black Friday Sale!
Enjoy up to 70% OFF + extra 10% OFF at the Rustan's Black Friday & Cyber Monday Ultimate Weekend Sale with your RCBC Bankard.
Enjoy 10% OFF on Refractive Surgery Options plus 0% installment with your RCBC Bankard.

Say no to #FOMO.

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