EMV Chip Technology
Enjoy the benefit of the chip technology that will help increase security and reduce fraud.
Mastercard® Automatic Billing Updater
Keeps your card information updated for automatic payments whenever you are issued a new card.
Mastercard E-Commerce Protection
Get free insurance on your online purchases with your premium RCBC Bankard Mastercard!
Free Travel Insurance & Purchase Protection
Get the assurance and protection you need when travelling abroad.
Access to World-Class Airport Lounges
Enjoy the comfort and luxury of world- class airport lounges while waiting for your flight.
Choose the right RCBC Bankard credit card for you.
Accomplish the online application form, submit documentary requirements and digitally verify yourself.
We’ll get in touch with you to verify some information on your application.
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.
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||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 Fee||WAIVED|
|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 Fee||5% of the unpaid amount or P500, whichever is higher|
|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||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 Fee||P100 (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|