• Min. Monthly Income

    ₱19,167.00

  • Interest Rate

    3.5% /month

  • Annual Fee

    ₱1,500.00

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Feature Highlights
  • FREE JBL Clip 2 Speaker if you apply and get approved until August 31, 2019!
  • Instant 10% discount on your purchases at Fully Booked stores
  • As much as 10% rebate at Fully Booked stores
  • Special Buys/Private Sale Events
  • FREE Fully Booked Gift Certificate as a welcome gift
Shopping
9/10
Dining
4/10
Gas
4/10
Groceries
4/10
Travel
4/10

Promotion

No ANNUAL FEE for the first 3 years!

  • Apply and get approved for an RCBC credit card until December 31, 2019 and enjoy waived ANNUAL FEES for the first 3 years!

Shopping

  • 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

Dining

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

Gas

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

Groceries

  • Earn 0.50% rebate on your supermarket spend

Travel

  • Earn 0.50% rebate on your travel spends if you use your card
  • Get instant access to cash anywhere in the world

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
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 ₱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

₱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