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RCBC Bankard China UnionPay Card Diamond

It's free of charge!
Balance Transfer Interest Rate Annual Membership Fee


18 Months



First year waived



P36 Spent = 1 point

2X rewards in hotels & restaurants in China Convert rewards to airmiles PH125 spent = 1 point when in supermarkets, gas stations & drugstores


Minimum Annual income ₱ 180000
Minimum age for principal holder At least 21 years old years of age
Min. age for supplementory holder 13 years old years and above

Fees and Charges

Annual Fee ₱ 3000
Fee for supplementary holder ₱ Free for life
Interest Rate 2.75% per month
Late payment charge 200 pesos or 7% of the past due amount, whichever is higher
Cash advance limit 30% of credit card limit of credit limit
Cash advance handling fee 3% or 500 pesos of the amount withdrawn, whichever is higher
Cash advance interest charge 2.75%
Overseas spending fee 3.5%
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