• Min. Monthly Income

    ₱30,000.00

  • Interest Rate

    3.5% /month

  • Annual Fee

    ₱3,000.00

Feature Highlights
  • Earn 2x rewards points on three categories you can choose from (Grocery, Gas, Department Store, Household Appliances or Travel)
  • Free International Travel Insurance & Purchase Protection
Groceries
5/10
Gas
5/10
Travel
5/10
Shopping
5/10
Insurance
6.5/10

Groceries

  • Earn 2x rewards points on three categories you can choose from (Grocery, Gas, Department Store, Household Appliances or Travel)

Gas

  • Earn 2x rewards points on three categories you can choose from (Grocery, Gas, Department Store, Household Appliances or Travel)

Travel

  • Earn 2x rewards points on three categories you can choose from (Grocery, Gas, Department Store, Household Appliances or Travel)

Shopping

  • Earn 2x rewards points on three categories you can choose from (Grocery, Gas, Department Store, Household Appliances or Travel)

Insurance

  • Free International Travel Insurance & Purchase Protection

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 ₱3,000.00
Min. monthly income ₱30,000.00
Min. age for principal holder

21 and above

Min. age for supplementary holder

13 years old and older

Fee for supplementary holder ₱1,500.00
Finance charges 3.50% per month
Must have postpaid account? Yes
Identification needed Tax Identification Number (TIN) and SSS/GSIS No.
Card Replacement Fee

₱300.00

Sales Slip Retrieval Fee

₱150.00

Late payment charge

₱400.00

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

N/A

Rewards points expiry

No Expiration.

Product Review by iMoney Philippines

The Best Choice For Young Professionals

Once you’re part of the workforce, you now have to take on the next challenge of managing your finances and being mindful of your savings. Indeed, having to earn on your own is one of life’s milestones but it also marks the start for future investment opportunities. Having a credit card that can guide you in making your life goals happen is what the RCBC Bankard Flex Gold Visa has to offer. As the first card in the market that offers Flexible Points Earning, you can select 3 preferred transaction categories where you can double the points that you earn, either from local or international spending. Choose from Grocery, Gas, Department Store, Travel, or Household Appliances, with the convenience of switching categories every billing cycle.

Fees and Charges of RCBC Bankard Flex Gold Visa

Interest charge for this credit card is 3.5% per month. There is also an annual membership fee of ₱3,000 for principal cardholders and ₱1,500 for supplementary cardholders. The minimum amount due per month will be the sum of 5% of the total amount due or ₱500, whichever is higher, past due amount (if any), current late charges, and over-limit amount. The over-limit fee is ₱500 while the minimum late payment fee is ₱400/US$8. For cash advances, the fee will be 3% of the cash amount availed, or ₱500/US$10 whichever is higher.

Are you eligible for a RCBC Bankard Flex Gold Visa?

To qualify for this credit card, you have to be 21 years old and up to become a principal cardholder. For a supplementary credit card, the applicant must be 13 years and above. The minimum monthly income requirement is ₱30,000.

Apart from the Rewards point flexibility that this credit card offers, the RCBC Bankard Flex Gold Visa also provides FREE Travel Insurance (Travel Plus Lite) and Purchase Protection. You can also enjoy the fast and convenient tap and go payment method via VISA payWave capable merchants. As for Rewards points, you can get 1 point for as low as ₱50 spend which doubles depending on your chosen transaction category. You can then earn air miles, rebates, shopping vouchers, or have it deposited straight to your savings account.

Take advantage of the flexibility and maximize the rewards which can aid you in augmenting your savings. As a young professional, it’s challenging to be financially responsible but with this card, it’s easier to set aside funds and help achieve your future goals.

If you’re looking for more options, you can also take a look at Citi Rewards Card and HSBC Gold Visa Cash Back Card, both having closely related features to the card you’re currently looking into.

For more options that can help narrow your search, there are a few more credit cards you can consider applying for. Take a look at our full RCBC Bankard credit card lineup on our site and choose the card that fits you best.