Black Card Platinum Mastercard

The highly prestigious card for highly career-oriented individuals who seek the finer aspects of life.

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Why Choose RCBC Bankard Black Card Platinum Mastercard?
  • Available in Peso and Dollar variants
  • Earn flexible, non-expiring Rewards points which you can exchange for AIRMILES, Cash Rebates, Shopping Vouchers, Cash Credit to your RCBC Bankard, or Deposit to your RCBC account, or Donation to a charitable institution.
  • Unlimited free access to the Skyview Airport Lounge and Club Manila Lounge for the Principal cardholder plus one travel companion
  • Free Travel Insurance up to Php1,000,000 and Purchase Protection when you charge all your international travel-related needs to your card
  • Free-for-life Supplementary Cards (maximum of 5)

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 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
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 3.50% / 2.50%
Retail Monthly Effective Interest Rate*3.54% / 2.52%
Cash Advance Monthly Effective Interest Rate*3.55% / 2.523%
First Year Membership FeeWAIVED
Returned Check Fee P1,000 / US$40
Invoice Retrieval Fee P150 / US$5
Card Replacement Fee P300 / US$25
Cash Advance Fee 3% of cash amount availed of or P500 (US$10 for Black Card Di, 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).  For Dollar Cards, US$8; in cases of multiple past due occurrences exceeding 3 months for the past 12 months: US$10 (4 to 6 months) or US$12 (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. (Facility not available to Dollar Card)
Unli 0% Processing FeeP100 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 Fee5% 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 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/US$4 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/US$4 or an amount equivalent to the credit balance (whichever is lower) if there's no activity for 3 months.
Over Limit Fee Php500 (for Peso-denominated cards) or US$10 (for Dollar-denominated cards) 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 (Facility not available to Dollar Card)
Minimum Amount Due The sum of (a) 5% of Total Amount Due or P500 (US$15 for dollar cards), whichever is higher; (b) Past Due Amount (if any); (c) Current Late Charges; and (d) Over-Limit Amount
Promos for this Card
Use your RCBC Bankard Wilcon Mastercard and get P500 Rebate.
Get up to P5,000 SSI Purple Gift Card for a minimum single-receipt or accumulated spend of Php40,000
Get 12% OFF on your Lazada purchases every Mondays from 9am to 5pm with your RCBC Bankard Mastercard.
Take advantage of these unique offers at Resorts World Sentosa Singapore with your RCBC Bankard Mastercard.

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