YGC Rewards Plus Program

Earn Rewards Points when you shop and save with YGC Rewards Plus Program!

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Why Choose YGC Rewards Plus RCBC Bankard?
  • Earn Rewards points as you grow your deposit with RCBC or pay for your Malayan insurance payments.
  • Get Rewards Points when you use your YGC Rewards Plus RCBC Bankard for all your purchases here and abroad.
  • Exchange your non-expiring Rewards points for AIRMILES, Cash Rebates, Shopping Vouchers, Cash Credit to your RCBC Bankard, or Deposit to your RCBC account, or Donation to a charitable institution.
  • Access to the Skyview Airport Lounge and Club Manila Lounge for the Principal cardholder plus one travel companion
  • Free Travel Insurance and Purchase Protection when you charge all your international travel-related needs to your card
  • Track your purchases better with RCBC Bankard’s complimentary budget monitoring tools.


HOW TO EARN POINTS POINTS EARNED
Increase deposits in Peso Savings and Checking account
  • 1 Rewards Point for every incremental MTD ADB of Php1,000

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Increase deposits in US Dollar Savings account1 Rewards Point for every incremental MTD ADB of US$50
Get an Auto Loan20 Rewards points for every Php100,000 outstanding balance
Get a Housing Loan20 Rewards points for every Php200,000 outstanding balance
Get Malayan Insurance’s products20 Rewards points for every Php500 premium payment

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
Php3,600/year for Platinum, Php3,000/year for Gold, Php300/year for Platinum
Membership Fee Supplementary waived up to 9 Supplementary Cards 
Monthly Interest Rate/Monthly Effective Interest Rate* 2%
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 Fee5% of the unpaid amount or Php500, whichever is higher plus one month's worth of interest, as computed based on the unpaid balance
Unli InstallmentNo processing fee. Subject to prevailing interest rate. If pre-terminated, Installment Pre-Termination Fee will apply.
Unli 0% Processing FeePhp100 for purchases below Php10,000 and P200 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 Fee5% of every transaction or Php1,000, whichever is higher.
Cash Loan, C.H.A.R.G.E and Your Cash! Processing Fee P150 for credit to an RCBC account or Php250 to other Banks; Php250 for cheque delivery.
Service Fee for Foreign Currency Transactions 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 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 to be charged at any time when the outstanding balance plus unbilled installment exceeds the permanent credit limit. The Over Limit Fee will be charged once within the statement cycle.
Balance Transfer Processing FeePhp100 
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.

Ready to open yourself to a new world?

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