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RCBC Bankard HBC Mastercard

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


18 Months



First year waived



0% Shopping Rebate

Up to 10% rebate at HBC stores Minimum spend of 10,000 pesos to avail 10% rebate

P36 Spent = 1 point

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


Minimum Annual income ₱ 160000
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 ₱ 960
Fee for supplementary holder ₱ 480
Interest Rate 3.25% 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Cash advance handling fee 3% or 500 pesos of the amount withdrawn, whichever is higher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 3.25%
Overseas spending fee 3.5%
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