Choose the right RCBC Bankard credit card for you.
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You can also apply for an RCBC Bankard credit card at any RCBC branch.
Requirements for Employees
Requirements for Self-employed or Businessman
Membership Fee Principal |
P3,600/year for Peso; US$100/year for Dollar |
Membership Fee Supplementary | waived up to 3 Supplementary Cards; in excess, P1,800/year (Peso), US$50/year (Dollar) |
Monthly Interest Rate/Monthly Effective Interest Rate* | 2% |
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Returned Check Fee | Php1,000 / US$40 |
Invoice Retrieval Fee | Php150 / US$5 |
Card Replacement Fee | Php500 / US$25 |
Cash Advance Fee | Effective January 15, 2021: Php200|US$4 |
Late Payment Fee | Effective January 15, 2021: Php850/US$17 (for Dollar Cards) or the minimum amount due, whichever is lower. |
Installment Pre-Termination Fee | 5% of the unpaid amount or P500, 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. (Facility not available to Dollar Card) |
Unli 0% Processing Fee | P100 for purchases below P10,000 and P200 for purchases P10,000 and up. (Facility not available to Dollar Card) |
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 P1,000 (US$25 for dollar cards), whichever is higher. |
Cash Loan, C.H.A.R.G.E and Your Cash! Processing Fee | P150 for credit to an RCBC account or P250 other Banks; P250 for cheque delivery. (Facility not available to Dollar Card) |
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. For Dollar Cards, 3.50% representing the Mastercard/ Visa/JCB/UnionPay assessment fees and the Bank's service fee. For transactions using currency other than USD converted to USD 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 US$20 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/US$12 (for Dollar Cards) will be charged at any time the outstanding balance plus unbilled installment exceeds the account’s permanent credit limit. The Over Limit Fee will be charged once within the statement cycle. |
Balance Transfer Processing Fee | Php100 (Facility not available to Dollar Card) |
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/US$15, 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 Php500 – Php1,000, Php500 for computed payment amount between Php1,000 to Php3,000 and Php1,000 for computed payment amount above Php3,000. For Dollar-Denominated Card, the Minimum Amount Due is the rounded down to the nearest multiple amount of USD1 for computed amount between USD15 – USD100 and USD10 for computed amount above USD10.
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