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RCBC Bankard AirAsia®
Credit cards

RCBC Bankard AirAsia®

Updated: 11.10.2022

About credit card

AirAsia Credit Card is an ideal credit card for travelers seeking exclusive privileges. You can earn Airasia points for as low as ₱22 per spend and use your points to redeem free flights or even vouchers from Lazada, SM Gift Pass, and Grab. When you apply for this credit card, you also become eligible for a welcome gift of up to 8,000 AirAsia points after you spend a minimum of ₱20,000 within the first sixty days from when the card is issued. Generally, AirAsia Credit Card gives you premium travel perks to allow you to enjoy your trips.


  • Budget management. You can enjoy budget management tools such as Unli Installment, which helps you convert straight purchases to installments for up to 36 months. The credit card also allows you to monitor and analyze your spending through Spend Monitor and Spend Analyzer tools. You can also conveniently experience hassle-free and rewarding bills payment using the Fat BillsPay feature and benefit from Balance Conversion and Balance Transfer tools.
  • Enhanced security. The EMV Chip Technology allows you to enjoy increased security and reduced fraud when using your credit card. You can also shop securely via the Shop Secure feature because you get a one-time password (TP) for all your online transactions. The credit card also gives you other security features like Web Shopper and Credit Protect Plus to enhance your security when using it.
  • Travel. With the AirAsia Credit Card, you can access world-class airport lounges, get 0% installment on purchases you make abroad, enjoy a travel bonus limit, and use your card worldwide because it is accepted internationally.

Pros and cons

It would be best to consider the pros and cons of using the AirAsia Credit Card before applying for one. Here are some advantages and disadvantages that might help you decide to apply for one or not.


  • You can earn AirAsia points that you can redeem to get free flights or vouchers.
  • You can get a cash loan for future plans using this credit card.
  • You get a welcome gift of up to 8,000 AirAsia points when you spend ₱20,000 within the first sixty days of getting the card.
  • You enjoy priority check-in, boarding, and Xpress baggage.


  • The principal cardholder pays a membership fee of ₱300 annually.
  • The supplementary cardholder pays an annual membership fee of ₱150.

How to apply for AirAsia Credit Card?

You can apply for an AirAsia Credit Card online by following these steps.

  1. Go to the RCBC Bankard Homepage, scroll down to Credit cards, and select Co-Branded Cards.
  2. Click on Apply now under AirAsia Credit Card.
  3. Read the customer agreement form and click I Accept at the bottom of the page.
  4. Proceed to the next page and start your application by filling out the required details in the application form.
  5. The bank will contact you to verify your application digitally before you can submit it for processing. 
  6. Wait for approval and delivery of your card.

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