• Min. Monthly Income


  • Interest Rate

    3.5% /month

  • Annual Fee


Feature Highlights
  • Earn 2x rewards points on two categories you can choose from (Clothing, Dining, Travel, or Transportation)
  • Free International Travel Insurance & Purchase Protection


Enjoy FREE Annual Membership Fee for a lifetime!

  • Apply and spend a minimum of Php30,000 within sixty (60) days from card issuance
  • Enjoy a lifetime Annual Membership Fee Waiver!


  • Earn 2x rewards points on two categories you can choose from (Clothing, Dining, Travel, or Transportation)


  • Earn 2x rewards points on two categories you can choose from (Clothing, Dining, Travel, or Transportation)


  • Earn 2x rewards points on two categories you can choose from (Clothing, Dining, Travel, or Transportation)


  • 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 ₱1,500.00
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 ₱840.00
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

Millennials’ Card Of Choice

With the fast-paced, tech-savvy, and dynamic lifestyle of millennials, it will make sense for them to have a credit card that matches their day-to-day needs. A top pick that aspires to suit this requirement is the RCBC Bankard Flex Visa Credit Card. With the purpose of empowering millennials to achieve their life goals, this card allows them to have more financial control needed to reach this milestone. Having the unique feature of Flexible Points Earning, you can select two preferred transaction categories that let you double your Rewards points. You can choose from Dining, Clothing, Travel, and Transportation which are some of the most common everyday transactions that you will make.

Fees and Charges of RCBC Bankard Flex Visa

With this credit card, the interest rate is 3.5% per month. For the principal cardholder, there will be a membership fee of ₱1,500 to be paid annually. As for a supplementary cardholder, it will be ₱840 per year. Regarding the monthly minimum amount due, it will be the sum of past due amounts (if any), current late charges, over-limit amount, and 5% of the total amount due or ₱500, whichever is higher. For cash advances, the fee is 3% of the availed cash amount or ₱500/US$10, whichever is higher. The minimum late payment fee is ₱400/US$8, whereas the over-limit fee is ₱500.

Are you eligible for a RCBC Bankard Flex Visa?

To apply, you must have a monthly income of at least ₱19,167 to be eligible. A principal cardholder should be 21 years of age and above, while for the supplementary cardholder, the applicant must be at least 13 years of age.

With the flexible points system that lets you choose your preferred reward category, the RCBC Bankard Flex Visa also offers FREE Travel Insurance (Travel Plus Lite) and Purchase Protection. You can also avail of 0% installment for international transactions. Payment is now made instant and more convenient with Tap & Go via Visa payWave for transactions below ₱2,000. For all your purchases, a minimum of ₱50 lets you earn 1 Rewards point which you can use to convert to airmiles, get cash rebates or shopping vouchers, or have it deposited directly to your account.

Millennials are usually seen to give less priority over their savings and financial management in general but the RCBC Bankard Flex Visa plans to change that. It offers a perfect match in terms of their lifestyle and spending behavior while providing more control over their finances. Having this feature allows the opportunity to increase their savings and eventually accomplish their goals in life.

Thinking of looking for more credit card alternatives? There are some options that are similar such as the Citi Simplicity+ Card and AUB Easy Mastercard, both having features closely related to the current card you’re considering.

If you are still exploring other types of credit cards, there are a variety of options that you should consider. Visit our lineup of RCBC Bankard credit cards available on our site and select the one that fits your lifestyle.