• Min. Monthly Income


  • Interest Rate

    3.5% /month

  • Annual Fee


Feature Highlights
  • FREE Fully Booked Gift Certificate as a welcome gift
  • Instant 10% discount on your purchases at Fully Booked stores
  • As much as 10% rebate at Fully Booked stores
  • Special Buys/Private Sale Events


NO Annual Membership Fee for life!

  • Apply and get approved for any RCBC credit card and enjoy FREE Annual Membership Fee for life. Promo valid until December 31, 2018.


  • Instant 10% discount all year-round on your purchases at Fully Booked stores
  • Get additional savings of as much as 10% rebate at Fully Booked stores when you charge a minimum accumulated outstore spend of ₱20,000 per billing statement.
  • 0% EasyTerms Installment on selected items at Fully Booked stores at 3 and 6 months installment terms for a minimum purchase of ₱3,000 and ₱5,000, respectively.
  • Get free real-time SMS alerts each time you make a purchase
  • Exclusive shopping deals and promotions


  • Dine and earn 0.50% rebate on your dining spend
  • Enjoy exclusive Dining PERKS from your favourite restaurants


  • Fuel up and earn 0.50% rebate on your gas spend


  • Earn 0.50% rebate on your supermarket spend


  • Access to the Miascor and Skyview Lounges
  • Get instant access to cash anywhere in the world
  • Get up to 100% increase in credit limit during your travel period

Other Features

  • FREE Fully Booked Gift Certificate as a welcome gift

    • A FREE Fully Booked Php500 Gift Certificate will be yours for a minimum accumulated spend of ₱12,000 anywhere within the first 3 months of card issuance

  • Special Buys/Private Sale Events

    • Enjoy special buys/private sale events at all Fully Booked stores and receive advance notice on new arrivals or special events/promos such as book signing, exhibits, workshops, etc.

  • 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 ₱1,500.00 (Annual fee is waived for life.)
Min. monthly income ₱13,333.00
Min. age for principal holder

21 and above

Min. age for supplementary holder

13 years old and older

Fee for supplementary holder ₱900.00
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

A Bookworm’s Best Friend

The more you read, the more rewards you reap with RCBC Fully Booked Credit Card. Reading has never been this rewarding as you get 10% discount on your purchases at Fully Booked, Bibliarch and Sketch Books. You can also get up to 10% rebate for a minimum accumulated outstore spend. For those who prefer to purchase books by the bulk, you can avail of 0% interest instalment plan for easy payment. And for a welcome gift, you also get a free ₱500 fully booked gift certificate for a minimum accumulated spend. Aside from these, enjoy private sale events and special buys, while you receive notifications for new arrivals, promos, and events all-year round.

Fees and Charges of RCBC Fully Booked Credit Card

For the first year, annual membership fee is waived. For the succeeding year, it will be ₱1,500 for principal cardholders and ₱900 for supplementary cardholders. Monthly interest rate is 3.5% and late payment fee is ₱400.

Are you eligible for an RCBC Fully Booked Credit Card?

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

If you still haven't found the card you're looking for, our team suggests that you also check out BPI Edge Credit Card and BDO Shopmore Credit Card, which have similar features to the card you're looking at.

Are you interested in other features? We recommend to view more RCBC credit cards online available on our site, to find the right one that matches your lifestyle.