• Min. Monthly Income


  • Interest Rate

    3.5% /month

  • Annual Fee


Feature Highlights
  • Welcome Gift: get up to 8,000 Bonus BIG Points
  • Enjoy AirAsia BIG Platinum Membership Status
  • Earn 1 BIG Point for spends as low as ₱22
  • Free onboard wifi!


Get 8,000 BIG Points when you spend & Redeem free flights with AirAsia!

  • Apply now and spend a minimum of Php20,000 within the first sixty (60) days from card issuance
  • For existing RCBC card holders, you will earn 4,000 AirAsia BIG Points
  • Use these points to redeem flight to your dream destination!


  • Get up to 8,000 Bonus BIG Points
  • Earn 2 BIG Points for every ₱25 spend in AirAsia
  • Free onboard wifi


  • Earn 1 BIG Point for every ₱22 international spend or ₱28 local spend


  • Earn 1 BIG Point for every ₱22 international spend or ₱28 local spend


  • Earn 1 BIG Point for every ₱22 international spend or ₱28 local spend



Other Features

  • Cash Advance

    • You can receive a cash advance of up to 30% of your credit limit with fees as low as ₱500.00 or 3% of total loaned cash amount, whichever is higher.

  • Balance Transfer

    • 18.79% per annum for a lock-in tenure of 12 months..

  • Installment Plan

    • 0% interest Installment Payment Plan at all participating merchants

  • Spend Analyzer

    • This feature presented on your monthly statement gets to summarize every credit card transaction you’ve made and automatically records it based on category.

  • Spend Monitor

    • With the Spend Monitor feature, you’ll get to have peace of mind as you receive SMS alerts in real-time when you make a purchase along with a tracking system that is updated based on your allocated budget.

  • Fast Bills Pay

    • Enjoy the convenience of quickly and easily paying your water, phone, electric bills and more. You will even get rewards points upon paying your monthly utility bills.

Card Information

Annual fee ₱2,400.00
Min. monthly income ₱19,167.00
Min. age for principal holder

21 and above

Min. age for supplementary holder

13 years old and older

Fee for supplementary holder ₱1,200.00
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


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

Same as credit card, 3.50%

Cashback limit


Rewards points expiry

No Expiration.

Product Review by iMoney Philippines

Get To Fly AirAsia Faster, For FREE!

If you love to travel and constantly look out for budget fares, then the RCBC Bankard AirAsia Visa card is ideal for you! As a welcome gift, spend at least ₱20,000 within 60 days of card issuance and you will earn 8,000 AirAsia BIG Points for new to RCBC cardholders and 4,000 points for existing RCBC cardholders. You can immediately redeem this for a free flight or save it for the future. For retail purchases, this card allows you to earn BIG Points faster for as low as ₱22 per spend. You also get the privilege of priority check-in, boarding, and express baggage collection.

Fees and Charges of RCBC Bankard AirAsia Credit Card

The monthly interest rate for this credit card is 3.5%. The minimum amount due per month is the sum of past due amounts (if any), current late charges, over-limit amount, and 5% of total amount due or ₱500, whichever is higher. The over-limit fee is ₱500 and the minimum late payment fee is ₱400/US$8. For principal cardholders, the annual membership fee is ₱2,400 and for supplementary cardholders it’s ₱1,200. As for the cash advance fee, it will be 3% of the cash amount availed, or ₱500/US$10 whichever is higher.

Are you eligible for a RCBC Bankard AirAsia Credit Card?

If you are interested in applying for this card, you have to be 21 years old and above to be a principal cardholder. For a supplementary credit card, the applicant must be 13 years and above. There is also a minimum salary requirement of ₱19,167 per month to be qualified.

With this card, the more you spend, the faster you can fly for free with AirAsia. Accumulate points quicker when you purchase abroad as you get 1 point for every ₱22 spend. For domestic retail purchase, you get 1 point for every ₱28 spend. You can also receive double points for every ₱25 spend on any AirAsia purchase. As a bonus during your flight, you can enjoy free use of Wi-Fi onboard. With RCBC Bankard AirAsia credit card, not only will you get to fly free, but you’ll also feel like a Superstar from boarding until you reach your destination.

For frequent business travelers and travel aficionados alike, it’s a must to take advantage of all the exclusive privileges a travel credit card can offer. Aside from the perks, you can also get additional savings if you are mindful of the various promos and rewards you can benefit from. If this card doesn’t suit well, you can also consider the Citi PremierMiles Card and HSBC Platinum Card, both of which are excellent credit cards for travelling.

If a travel card is not what you’re after, you can take a look at the rest of the RCBC Bankard credit cards listed on our site so you can figure out which features and rewards you’re most interested in.