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
Php1,500/year
Membership Fee Supplementary Php750/year
Monthly Interest Rate/Monthly Effective Interest Rate 2%
Returned Check Fee Php1,000
Invoice Retrieval Fee Php150
Card Replacement Fee Php300
Cash Advance Fee Effective January 15, 2021: Php200
Late Payment Fee Effective January 15, 2021: Php850 or the Minimum Amount Due, whichever is lower.
Installment Pre-Termination Fee5% of the unpaid amount or Php500, 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 FeePhp100 for purchases below Php10,000 and Php200 for purchases Php10,000 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 Php1,000, whichever is higher.
Cash Loan, C.H.A.R.G.E and Your Cash! Processing Fee Php150 for credit to an RCBC deposit account or Php50 to other Banks; Php250 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 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 Effective January 15, 2021: 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 FeePhp100 
Minimum Amount Due Effective January 15, 2021: 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 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.
Promos for this Card
Enjoy 0% installment for up to 6 months + free foldable backpack with your RCBC Bankard.
Enjoy up to 10% OFF at Pet Warehouse with your RCBC Bankard.
Enjoy 0% installment for up to 24 months + get a free universal mobile phone stand with your RCBC Bankard.
Gas up at Phoenix with your RCBC Bankard and get a FREE ₱100 Fuel Coupon!

Say no to #FOMO.

Apply Now