Visa Platinum

Enjoy the PREFERRED lifestyle with your RCBC Bankard Visa Platinum.

Why Choose RCBC Bankard Visa Platinum?
It's the ultimate VIP Travelers Card.
  • Exciting perks and the fastest way to travel at no possible cost via the PREFERRED AIRMILES Program.
  • Rack up the points you earn then exchange them for points of your chosen mileage program.
  • Complimentary Priority Pass™ membership to access over 900 airport VIP lounges worldwide.
  • 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 Php5,000,000 and Purchase Protection when you charge all your international travel-related needs to your card
  • Visa Concierge Service for flight, hotel, restaurant reservations, trip planning, and more, available to you 24/7 anywhere in the world
  • Increased purchasing power with up to 100% temporary increase in credit limit during your travel period.


Visa Platinum has PREFERRED AIRMILES that allows you to earn FREE flights faster.



Overseas Transactions
(Non-service merchants / Retail / Online)


Domestic Transactions
(Non-service merchants / Retail / Online)


Service Merchants
(i.e. supermarket, gas, drugstore)     


Utility Bills Payment


Rack up the points you earn then exchange them for points of your chosen mileage program. Note that one (1) PREFERRED AIRMILE is equal to one (1) AsiaMile /Mabuhay Mile /GetGo Point /BIG Point. The low amount of spend required to earn PREFERRED AIRMILES makes it easier and faster for you to reach the amount of points needed to get a FREE flight to your dream destination!

To illustrate, for your Php50,000 monthly local spend, you get approximately 1,042 PREFERRED AIRMILE 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!


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:

  • Flight reservations 
  • Hotel reservations 
  • Restaurant reservations 
  • Car rental reservations 
  • Event ticket purchases 
  • Trip planning 
  • Other general requests 

Visa Platinum hotline numbers for Philippines by language are:

English - 1800 1441 0014 (PLDT), 1800 8908 6598 (Globe)


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



Php1 Million

Php24,999 and below

Php3 Million

Php25,000 to Php39,999

Php5 Million

Php40,000 and above

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
Membership Fee Supplementary waived up to 5 Supplementary Cards, in excess
Monthly Interest Rate 3.50% 
Retail Monthly Effective Interest Rate*3.55%
Cash Advance Monthly Effective Interest Rate*3.56%
First Year Membership FeeWAIVED
Returned Check Fee P1,000
Invoice Retrieval Fee P150
Card Replacement Fee P500
Cash Advance Fee 3% of cash amount availed of or P500, 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). 
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.
Unli 0% Processing FeeP100 for purchases below P10,000 and P200 for purchases P10,000 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 P1,000, whichever is higher.
Cash Loan, C.H.A.R.G.E and Your Cash! Processing Fee P150 for credit to an RCBC bank account o P250 for deposit to other banks; P250 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 P1,000 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 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 or an amount equivalent to the credit balance (whichever is lower) if there's no activity for 3 months.
Over Limit Fee Php500 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 
Minimum Amount Due The sum of (a) 5% of Total Amount Due or P500, whichever is higher; (b) Past Due Amount (if any); (c) Current Late Charges; and (d) Over-Limit Amount
Promos for this Card
Choose and enjoy your travel perk when you apply and get approved on your first RCBC Bankard Visa Platinum
Get up to 50% OFF on dining destinations with your RCBC Bankard Visa
Get P800 OFF on deposit fees plus up to 10% OFF on Flytpack Wi-Fi device.
Get 5% OFF on shipping and $2.50 worth of shipping credits using the code RCBCBANKARD

Ready to open yourself to new exciting experiences?

Apply Now