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RCBC Bankard Gold Visa

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


18 Months



First year waived



P36 Spent = 1 point

Flexible rewards program gives you more choice P125 spent = 1 point in supermarkets, drugstores and gas stations
Rebates & Cashback

1 % cashback

Rebates automatically credited to account every month Cashback only available to non-supermarket, gas and drug store transactions


Minimum Annual income ₱ 360000
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 ₱ 1500
Interest Rate 3.5% 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Cash advance handling fee 500 pesos or 3% of the amount withdrawn, whichever is higher
Cash advance interest charge 3.5%
Overseas spending fee 3.5%
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