• Min. Monthly Income


  • Interest Rate

    3.5% /month

  • Annual Fee


Feature Highlights
  • Mall-Wide Rewards at Sta. Lucia Mall Department Store, Home Gallery and Planet Toys
  • 5.5% Rebate for all retail transactions
  • 1% year-round discount and members’ only priority lane at Sta. Lucia Supermarket
  • FREE Movie Pass at Sta. Lucia Mall
  • Exclusive advance sale events


  • Earn one (1) Rewards Point for every ₱100 purchase at Sta. Lucia Department Store, Home Gallery and Planet Toys
  • Earn as much as 5X Rewards points for purchases of at least ₱10,000
  • 0.5% Rebate for ALL retail transactions elsewhere
  • Year-round discounts and exclusive perks at Sta. Lucia partner-stores
  • Exclusive advance sale events at Sta. Lucia Department Store, Planet Toys and Home Gallery


  • FREE Movie Pass at Sta. Lucia Cinema for every ₱3,000 purchase at Sta. Lucia partner-stores


  • Free Travel Insurance (Travel Plus Lite) & Purchase Protection
  • Access to the Miascor and Skyview Lounges
  • 0% Installment for your purchases abroad
  • Get instant access to cash anywhere in the world
  • Get up to 100% increase in credit limit during your travel period


  • Enjoy priority lane check-out at Sta. Lucia Supermarket when you use your card to pay for your purchases

Other Features

  • Free Budget Monitoring Tools

    • Helps you take control of your spending via customized financial management tools – Spend Analyzer and Spend Monitor – to help you keep track of your purchases and stay within your budget.

  • Unli 0% Installment

    • All your single-receipt purchases made anywhere and any amount can be converted to 0% installment for 3 months! There is no limit on the number of times you can request to avail of Unli 0%.

  • Pay for your Utility Bills, 24/7

    • Conveniently and quickly pay for your bills to over 40 merchants including electricity, water, internet, cable bills, insurance and more through Fast BillsPay.

  • Secure Online Shopping

    • Get extra layer of protection when shopping online with password protection and personal message via Shop Secure or get an RCBC Bankard webshopper to shop online safely without having to reveal your main RCBC Bankard card details.

Card Information

Annual fee ₱1,200 (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 ₱600.00
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

Malling Made Easy

Bring the whole family and have a great time with all the amenities and conveniences inside a mall with RCBC Sta. Lucia Mall Credit Card. Take advantage of all the benefits as you get discounts, earn rebates, accumulate rewards and enjoy exclusive privileges all throughout the year. Being the first mall-wide card, you can earn 1 Rewards Point for every ₱100 charged to your card while getting 0.5% rebate on all retail transactions. You’re also eligible for a 1% year-round discount, free movie tickets, and special priority lanes, as well as advance access to special sale events. You can also bring the family to the exclusive Royale Tagaytay Country Club as you receive free entrance and access to the facilities by just presenting your card.

Fees and Charges of RCBC Sta. Lucia Mall Credit Card

Annual membership fee is waived for the first year. Afterwards, it will be ₱1,200 for the principal cardholder and ₱600 for the supplementary cardholder. Interest rate is 3.5% per month and late payment charge is 7% of past due amount or ₱200, whichever is higher.

Are you eligible for an RCBC Sta. Lucia Mall Credit Card?

In order to apply, you need to have ₱13,333 minimum monthly income and must be at least 21 years of age. For supplementary cardholders, the minimum should be at least 13 years old.

We want to make it easier for you to decide. Our team would like to help with the following recommendations: Metrobank Robinsons Cebu Pacific Classic / Gold Credit Card and BDO Shopmore Credit Card. Both cards feature similar benefits that you may be interested in as well.

If you're still having trouble deciding, we also suggest that you check out the full list of RCBC credit cards present on our site and choose which card matches your need.