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RCBC Bankard Gold®
Credit cards

RCBC Bankard Gold®

Updated: 11.10.2022

About credit card

The RCBC Bankard Gold Card earns you flexible, non-expiring rewards points when you use the card for all your purchases. Besides, the card is appropriate for users looking for credit cards. They can accumulate points when they shop and exchange their points for airmiles, cash rebates, shopping vouchers, cash credit to an RCBC Bankard, or even donation. With this card, you can also enjoy free budget monitoring to have control of your spending. You also get free travel insurance and purchase protection.


  • Budget management. The Gold Visa credit card gives you options to manage your budget with tools such as Unli Installment, Spend Monitor, Spend Analyzr, and Fast BillsPay. You can also convert your statement outstanding balance to installment using the Balance Conversion tool and consolidate all your credit card bill in one card via the Balance Transfer tool.
  • Enhanced security. Your card allows you to enjoy the benefits of the EMV chip technology to increase your security and reduce fraud. Besides, the card has a shop secure feature to protect you while shopping online, web shopper tool, a credit protect plus feature, and a Mastercard® Automatic Billing Updater, which helps you keep your card details updated for automatic payments whenever you update your card.
  • Rewards. With this card, you can earn rewards points that you can redeem to get airmiles, cash rebates, and shopping vouchers, among other rewards.

Pros and cons

When considering whether to apply for the Gold Visa, you should first know the advantages and disadvantages of having the card.


  • You earn flexible, non-expiring rewards points from all purchases you make using the credit card.
  • You enjoy free budget monitoring tools to control your spending.
  • You get free travel insurance and purchase protection.
  • You get access to the Skyview Airport Lounge.
  • You can enjoy convenient and rewarding utility bills payments with this card.


  • You will pay an annual membership fee of ₱3,000 as the principal cardholder.
  • You will pay an annual membership fee of ₱1,500 as the supplementary cardholder.

How to apply for a Gold Card?

You can apply for a Gold Card online by following these steps.

  1. Go to the RCBC Bankard Homepage, scroll down to Credit cards, and select Gold & Classic Cards.
  2. Click on Apply now under Gold Card.
  3. Start a new application after reading the customer agreement form and clicking I Accept to continue.
  4. Fill out the required details in the application form. The bank will verify your application digitally before you submit it for verification and processing. 
  5. Wait for approval and delivery of your card.
Annual maintenance

Annual maintenance cost of the financial product

₱3,000 annual fee

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