Visa Platinum
Enjoy the PREFERRED lifestyle with your RCBC Bankard Visa Platinum.
Enjoy the PREFERRED lifestyle with your RCBC Bankard Visa Platinum.
PREFERRED AIRMILES
Your PREFERRED AIRMILES can take you to your dream destination sooner, plus they never expire! So keep spending and accumulating your PREFERRED AIRMILES and use them whenever you want.
1 PREFERRED AIRMILE is equivalent to 1 Asia Mile/Mabuhay Mile/GetGo Point/BIG Point
TRANSACTION TYPE |
SPEND REQUIREMENT TO EARN ONE (1) PREFERRED AIRMILE |
Overseas Transactions |
Php25 |
Domestic Transactions |
Php48 |
Service Merchants |
Php125 |
Utility Bills Payment |
Php250 |
Rack up on RCBC Bankard Preferred Airmiles and exchange these to Aimiles/Points of your chosen Airmiles Program. One RCBC Bankard Preferred Airmile is equal to one (1) AsiaMiles/BIGPoint/GetGo Points/PAL Mabuhay Miles. The low spend amount required to earn an RCBC Bankard Preferred Airmile makes it easier for you to get a free flight to your dream destination!
To illustrate, for your Php50,000 monthly local spend, you get approximately 1,042 PREFERRED AIRMILES and for your Php50,000 monthly overseas spend, you get 2,000 PREFERRED AIRMILES. A round-trip ticket to Hong Kong via AsiaMiles is approximately 15,000 AsiaMiles. That’s a few more monthly spend to get your next free round-trip ticket!
VISA CONCIERGE SERVICE
Discover the perfect hotel, book tickets to a must-see event, reserve a table at the hottest restaurant, or find inspiration for the perfect gift.
Take advantage of a host of services available to you over the phone or online, 24 hours a day, from anywhere in the world.
Services available:
Visa Platinum hotline numbers for Philippines by language are:
English - 1800 1441 0014 (PLDT), 1800 8908 6598 (Globe)
UP TO PHP5 MILLION TRAVEL INSURANCE COVERAGE
As an RCBC Bankard Visa Platinum credit cardholder, you are entitled to comprehensive travel insurance coverage worth up to Php5 Million which provides the following insurance benefits:
• Accidental Death, Dismemberment and/or Disablement
• Recovery of Travel Expenses for Emergency Trip Cancellation
• Recovery of Travel Expenses for Emergency Trip Termination
• Travel Inconvenience Benefits like: Baggage Delay and Flight Delay
• Emergency Medical Treatment for Accident or Sickness
• Car Rental Protection
• Sports Activities Extension
TRAVEL INSURANCE COVERAGE (PLAN TYPE) |
CARD PURCHASE OF INTERNATIONAL TRAVEL TICKET/S |
Php1 Million |
Php24,999 and below |
Php3 Million |
Php25,000 to Php39,999 |
Php5 Million |
Php40,000 and above |
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 |
Php5,000 (Waived on 1st Year) |
| Membership Fee Supplementary | Php2,500 (Waived on 1st Year) |
| Monthly Interest Rate | 3.50% |
|---|---|
| Retail Monthly Effective Interest Rate* | 3.55% |
| Cash Advance Monthly Effective Interest Rate* | 3.56% |
| First Year Membership Fee | WAIVED |
| Returned Check Fee | Php1,000 |
| Invoice Retrieval Fee | Php150 |
| Card Replacement Fee | Php500 |
| 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 Fee | 5% of the unpaid amount or Php500, whichever is higher |
| Unli Installment | No processing fee. Subject to prevailing interest rate. If pre-terminated, Installment Pre-Termination Fee will apply. |
| Unli 0% Processing Fee | Php100 for purchases below P10,000 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 Fee | 5% 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 bank account or Php250 for deposit 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 | All active cards with negative balance will be charged a Dormancy Fee of Php200 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 Php200 or an amount equivalent to the credit balance (whichever is lower) if there's no activity for 3 months. |
| Over Limit Fee | Effective January 15, 2021: Php600 (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 |
| 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 Php500 – Php1,000, Php500 for computed payment amount between Php1,000 to Php3,000 and Php1,000 for computed payment amount above Php3,000. |
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