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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

RCBC Credit Cards

Advertiser Disclosure

About bank

RCBC Credit Cards is a subsidiary of Rizal Commercial Banking Corporation (RCBC), one of the Philippines' largest private domestic banks in terms of assets. It offers various cards with exclusive perks and privileges and allows you to get a cash loan or advance if you need money immediately.

RCBC Credit Cards offers credit cards, a virtual card, cash loans, and UnliPay. These services and products help you make your financial journey easier. You can use a credit card to pay bills or buy purchases, then settle the balance at the end of the monthly cycle. A virtual card comes in handy when you do not want to use your credit card. You can also convert your unused credit limit of up to ₱500,000 into cash loans. Then, you can use UnliPay to make transfers to any local bank account.

Features

RCBC Credit Cards provides budget management tools that give you financial control and empowerment. You can use Unli Installment to convert your straight purchases to installments for up to 36 months. You can also use Spend Analyzer to keep track of all your credit card transactions. Your card also comes with EMV chip technology to help increase security and reduce fraud. Additionally, you can access One-Time Password (OTP), Webpay, Web Shopper, and Mastercard® Automatic Billing Updater for enhanced security as you shop.

Then, when you use an RCBC credit card to pay enables you to enjoy travel while earning rewards points, cash rebates, or air miles. You will also receive complimentary Travel Insurance and Purchase Protection. If you want more funds, you can apply for a cash advance or YourCash, which allows you to get funds over your authorized credit limit.

Pros and cons

RCBC Credit Cards mainly offers credit cards that help you build your credit score. Therefore, you can get better loans in the future and pay back fewer of your debts. Credit cards also allow you to make regular purchases, making it easier for you to save money in general. When you apply for a credit card like ZALORA a virtual card will be provided to you when you apply for it, allowing you to effortlessly make purchases or make online utility bill payments. But there are some cons to using RCBC Bankard services. These includes:

Pros

  • A credit card offers rewards. You earn reward points every time you use your card or pay off a bill. You can use those points toward gift cards or pay for travel-related expenses to help you prepare for your next vacation, all while earning more rewards.

  • A credit card offers protection against fraud and identity theft.

  • A credit card is an excellent financial management tool. They keep track of spending patterns and ensure you aren't racking up more debt than what's manageable at any given time.

  • A virtual card lets you make purchases or pay utility bills online without using a physical card.

Cons

  • The virtual card is only available to Zalora credit card holders if you do not apply for a webshopper.

  • The credit cards come with costs like annual fees and 2% monthly interest rates.

  • The credit card may incur late fees if you do not pay off the entire sum on your credit card each month; late fees could apply, potentially costing more than you had intended to spend.

Products

RCBC Credit Cards offers the following products:

  • Credit сards. RCBC Credit Cards has 18 credit cards that come with rewards that you can redeem for air miles, pay for purchases, or other costs like annual fees. RCBC credit cards are co-branded, premium, secured, gold, and classic. Co-branded cards include ZALORA card, AirAsia card, Landmark Anson's Mastercard, Phoenix Mastercard, Mango Mastercard, and Sta. Lucia Mastercard. Gold and classic cards include Flex Gold Visa, Gold Card, Flex Visa, and Classic Card. On the other hand, premium cards include Visa Infinite Card, Visa Platinum, World Mastercard, Black Card Platinum Mastercard, Diamond Card Platinum Mastercard, JCB Platinum, Hexagon Club, YGC Rewards Plus Program, and UnionPay Diamond.

  • Virtual сard. It is only accessible to Zalora credit card holders or if you apply for a webshopper. The card lets you make purchases online without using your physical credit card.

  • Cash loan. You can enjoy instant approval when you convert your unused credit limit of up to ₱500,000 and pay in easy installments for up to 60 months.

  • UnliPay. It is a financial management tool that lets you pay your bills on time using an RCBC Bankard.

RCBC Credit Cards

FAQ

What is the RCBC Bankard?

RCBC Bankard offers cardholders financial services like cashless transactions with a rewards program using credit cards and a virtual card. You can also access more funds through cash loans. 

Who owns RCBC Bankard?

Most RCBC shares are owned by the Yuchengco Group of Companies (YGC). 

Is RCBC Bankard a legitimate bank?

Yes. RCBC is regulated by the Securities and Exchange Commission (SEC) and Bangko Sentral ng Pilipinas (BSP).

Company documents

Privacy Notice
Terms & Conditions

RCBC Bankard is packed with privileges that make your shopping life even more rewarding, more secure, and more fun.

© RCBC Bankard

Financial products

RCBC Credit Cards
RCBC Bankard Secured Card®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
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RCBC Credit Cards
UnionPay Diamond Card
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Recommended FinScore™
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300
650
1000
₱3,000 annual fee
RCBC Credit Cards
YGC Rewards Plus Program
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
up to ₱3,600 annual fees
RCBC Credit Cards
RCBC Bankard Hexagon Club®
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
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RCBC Credit Cards
JCB Platinum
Rating by Finanso®
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RCBC Credit Cards
Diamond Card Platinum Mastercard
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Recommended FinScore™
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RCBC Credit Cards
Black Card Platinum Mastercard
Rating by Finanso®
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RCBC Credit Cards
World Mastercard
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Recommended FinScore™
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650
1000
₱3,600 annual fee
RCBC Credit Cards
RCBC Bankard Visa Platinum®
Rating by Finanso®
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Recommended FinScore™
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1000
RCBC Credit Cards
Visa Infinite Card
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
up to ₱5,000 per year
RCBC Credit Cards
RCBC Bankard Classic®
Rating by Finanso®
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650
1000
RCBC Credit Cards
RCBC Bankard Flex Visa®
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RCBC Credit Cards
RCBC Bankard Flex Visa Gold®
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1000
RCBC Credit Cards
RCBC Bankard Gold®
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Recommended FinScore™
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300
650
1000
RCBC Credit Cards
Sta. Lucia Mastercard
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Recommended FinScore™
0
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650
1000
RCBC Credit Cards
Mango Mastercard
Rating by Finanso®
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RCBC Credit Cards
Phoenix Mastercard
Rating by Finanso®
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RCBC Credit Cards
Landmark Anson’s Mastercard
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RCBC Credit Cards
RCBC Bankard ZALORA®
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RCBC Credit Cards
UnliPay
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650
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RCBC Credit Cards
Digital Cash Loan
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Recommended FinScore™
0
300
650
1000
up to ₱500,000
Term
i

Loan term for the financial product

up to 60 months
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4
Recommended FinScore™
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1000
₱25000
Rate
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Effective interest rate on the product

11,9% per month
Term
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Loan term for the financial product

6 months
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Recommended FinScore™
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650
1000
₱25000
Rate
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Effective interest rate on the product

up to 0.16% per day
Term
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Loan term for the financial product

180 days
MoneyCat
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Rating by Finanso®
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Recommended FinScore™
0
300
650
1000
₱20000
Rate
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Effective interest rate on the product

11,9% per month
Term
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Loan term for the financial product

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₱1,000 - ₱50,000
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Rating by Finanso®
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