Choose a country
Select a city
Select a city
Additional Information
English (PH)
Select country
Choose a country
United States
Việt nam
RCBC Bankard Flex Visa Gold®
Credit cards

RCBC Bankard Flex Visa Gold®

Updated: 11.10.2022

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.


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.


  • 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.


  • 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.
Annual maintenance

Annual maintenance cost of the financial product

₱3,000 annual fee

Other Credit cards of RCBC Credit Cards

Financial product
Annual maintenance
Cost of SMS notification
RCBC Bankard ZALORA®RCBC Credit Cards
₱5,000 annual fee
RCBC Bankard Gold®RCBC Credit Cards
₱3,000 annual fee
RCBC Bankard Classic®RCBC Credit Cards
₱1,500 annual fee
Phoenix MastercardRCBC Credit Cards
Mango MastercardRCBC Credit Cards
Sta. Lucia MastercardRCBC Credit Cards
₱3,000 annual fee
RCBC Bankard Flex Visa®RCBC Credit Cards
₱1,500 annual fee
Visa Infinite CardRCBC Credit Cards
up to ₱5,000 per year
World MastercardRCBC Credit Cards
₱3,600 annual fee
JCB PlatinumRCBC Credit Cards
₱3,600 annual fee
YGC Rewards Plus ProgramRCBC Credit Cards
up to ₱3,600 annual fees
UnionPay Diamond CardRCBC Credit Cards
₱3,000 annual fee
Your comment has been added
Your complaint has been recorded
Invalid username or password
Please log in to like/dislike
Invalid SMS code has been entered
All RCBC Credit Cards reviews in 2022
Leave feedback