RCBC Bankard Flex Visa Gold®

About credit card

Young professionals and other account holders can apply for Flex Gold Visa and enjoy flexible rewards for essential purchases. You get 2x reward points for gas, department store, grocery, and travel expenses, redeemable for preferred rewards. Besides, you get free budget monitoring tools to help you control your expenses.

Features

Flex Gold Visa has attractive features such as:

• Free travel insurance and purchase protection. You get free travel insurance for accidents and discomforts while traveling and protection for damages on goods you purchase on your journey.
• Double rewards in three preferred categories. For your grocery, gas, department store and household appliances, you earn 2x rewards. Furthermore, you can switch preferred rewards every billing cycle.
• Free spend monitor and analyzer. Regular advisory sms helps you track and control your expenditure.
• Budget management. The Unli Installment helps you convert straight purchases to installments payable for 36 months.

Pros and cons

Earning double rewards is one benefit of Flex Gold Visa. However, it has drawbacks as well. Before you apply for this card, check out its pros and cons and determine if it is ideal for you.

Pros

• Double rewards on essential purchases on your preferred category every billing cycle.
• Free travel insurance and purchase protection for damaged goods and other inconveniences while traveling.
• Few pre-qualification requirements for applicants.
• Access to advance cash and extra cash above your credit limit to cater for emergencies .
• Enhanced card security to protect your funds from fraud.

Cons

• High late payment penalty of ₱850.
• High ₱200 dormancy fee charged monthly.

How to apply for a Flex Gold Visa?

You qualify for this credit card if you are 18-65 years old with a mobile number and an office landline at your workplace. For supplementary cards, applicants should be 13- 65 years old. In addition, you need proof of identity, residency and income while applying in the following steps.

1. Go to RCBC Bankard Homepage, scroll down to credit cards and click on Gold & Classic Cards.
2. Click Apply now under Flex Gold Visa.
3. Fill out the application form after consenting to the customer agreement form by clicking I Accept.
4. The bank will verify your application digitally before you can submit the form for verification and processing.
5. Wait for approval and notification from the bank about when it will be ready for pick up.