• Min. Monthly Income


  • Interest Rate

    3.5% /month

  • Annual Fee


Feature Highlights
  • Enjoy FREE Annual Membership Fee for a lifetime!
  • RCBC credit cardholders will get to enjoy special discounts, deals, and exclusive privileges all year
  • Enjoy discounts from HBC


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!


  • Exclusive deals, discounts and privileges are available for this credit card from HBC
  • Up to 10% Cash Rebates for purchases at HBC
  • Earn Rewards Points from all your purchases


  • FREE Facial on cardholder’s birthday
  • Earn 0.25% rebate for outstore spends regardless of amount


  • Earn 0.25% rebate for outstore spends regardless of amount


  • Earn 0.25% rebate for outstore spends regardless of amount


  • Enjoy exclusive dining perks and privileges from special partner establishments with RCBC Bankard DESTINATION
  • Earn 0.25% rebate for outstore spends regardless of amount

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 ₱960.00
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 ₱480.00
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

Beautiful Partnership

With HBC Bankard Credit Card, not only will you get exclusive deals and discounts at HBC, but with partner merchants as well, such as Automatic Centre, Blims, Manels, Silverworks, Sogo, and TreeTop Adventure, so all special discounts and privileges apply as well. With HBC, you can earn up to 10% rebate. You can also take advantage of 0% interest instalment plans, whether 3, 6, 9, or 12 months. Another benefit is you get to enjoy a member-only sale every quarter as well as special access to exclusive events and seminars.

Fees and Charges of RCBC HBC Bankard Credit Card

The annual membership fee is waived for the first year, afterwards it will be ₱960 for the principal cardholder and ₱480 for the supplementary cardholder. Interest rate is 3.5% per month and late payment charge is ₱400.

Are you eligible for an RCBC HBC Bankard Credit Card?

You can apply as a principal cardholder if you have a minimum salary of ₱19,167 per month and at least 21 years of age. For supplementary cardholders, you must have a minimum age of 13 years old.

Do you need help in finding what you need? Our team recommends that you take a look at EastWest Bank Dolce Vita Titanium Credit Card and BPI Ayala Malls Amore Credit Card, which have features that might interest you as well.

Not the rewards that you`re after? We suggest that you also browse for more RCBC credit card promotions to compare which card is right for you.