• Min. Monthly Income


  • Interest Rate

    3.5% /month

  • Annual Fee


Feature Highlights
  • Monthly Promos and Rewards from RCBC partners


  • Exclusive promos and deals every month for every RCBC credit cardholders
  • Use you card on your dining expenses and receive one (1) rewards point for every ₱36.00 spent. Accumulated points can be used to redeem cash rebates, vouchers, or air miles


  • Pay your entertainment expenses using your card and get one (1) rewards point for every ₱36.00 spent and use these points to redeem air miles, vouchers, or cash rebates


  • Exclusive promos and deals every month for every RCBC credit cardholders


  • Earn one (1) rewards point each time you charge ₱125.00 from gas stations


  • Earn one (1) rewards point each time you charge ₱125.00 from supermarket or drugstores


  • Travel safely anywhere in the world through your RCBC Bankard’s free travel insurance

Other Features

  • Cash Advance
    • 30% of the credit limit and fees are either ₱500.00 or 3% of the outstanding amount, whichever is higher.
  • Balance Transfer
    • 18.79% per annum for a lock-in tenure of 12 months.
  • Annual Fee Waived
    • For the first year, annual fee is waived.
  • Installment Plan
    • 0% interest Installment Payment Plan at all participating merchants. Choose between the months of 3, 6, 9, 12, 18 and 24 months. You can also convert prior purchases (single receipt of ₱5,000.00) to installments.
  • Peso Payment Convenience
    • Charge your expenses in various currencies abroad and pay in pesos when you get back home.
  • Flexible Rewards Program
    • With RCBC Bankard’s flexible rewards program, the card holder can choose which reward to avail of. Choose to redeem cash rebates, gift vouchers, air miles or cash credit to your RCBC account. The choice is entirely up to you!

Card Information

Annual fee ₱1,500 (Annual fee is waived for the first year.)
Min. monthly income ₱13,333
Min. age for principal holder

21 and above

Min. age for supplementary holder

13 years old and older

Fee for supplementary holder ₱750.00
Finance charges 3.50% per month
Must have postpaid account? Yes
Identification needed Tax Identification Number (TIN) and SSS/GSIS No.
Card Replacement Fee


Sales Slip Retrieval Fee


Late payment charge

₱200.00 or 7% of outstanding amount, whichever is higher

Cash advance amount

30% of credit limit

Cash advance charge

₱500.00 or 3% of cash amount availed, whichever is higher

Cash advance interest charge


Cashback limit


Rewards points expiry

No Expiration.

Product Review by iMoney Philippines

Get The Right Start

New to the workforce? As a young and aspiring professional, you can enjoy total financial flexibility with RCBC Classic credit card. Get the right card to start your career as you enjoy international travel privileges such as free travel insurance coverage through Malayan Insurance which also includes trip cancellation/termination expenses, as well as travel inconveniences such as baggage or flight delays. You can also take advantage of worldwide concierge services, VIP airport lounge access, and 0% installment on your international purchases. Spending abroad shouldn’t be a worry as you get worldwide recognition and international acceptance when using your card. You also have the option of paying in Pesos once you get back home. What’s also essential is that you earn flexible rewards points on your purchases as you receive 1 point for every ₱36 spent that can be exchanged for shopping vouchers, direct credit to your account, or convert to AirMiles or instant cash rebates.

Fees and Charges of RCBC Classic Credit Card

Annual membership fee for the first year is free. Succeedingly, it will be ₱1,500 for the principal cardholder and ₱750 for supplementary cardholders. The monthly interest rate is 3.5% and late payment charges is 7% of past amount due or ₱200, whichever is higher.

Are you eligible for an RCBC Classic Credit Card?

If you’re interested to apply, you have to be at least 21 years old and above, with minimum monthly income of ₱13,333. Supplementary cardholders should be at least 13 years of age.

If you're unsure which card to choose, our team suggests to check out Maybank Classic Credit Card and Standard Chartered Classic Credit Card, which have similar features that might appeal to you as well.

Want to look at more options? You can also view the rest of our RCBC credit cards line up and compare which one is right for you.