• Min. Monthly Income


  • Interest Rate

    3.5% /month

  • Annual Fee


Feature Highlights
  • Load of discounts and freebies from highly esteemed LJC restaurant Group
  • Get a Free bottle of wine as welcome gift
  • Birthday discount


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!


  • 10% DISCOUNT all year round on your total bill each time you use your card at any LJC restaurant: Abe, Lorenzo’s Way, Café Adriatico, Café Havana, Café Adriatico Express, Fely J’s Kitchen, Bistro Remedios, Larry’s Café & Bar, Abe’s Farm
  • Get a free bottle of wine as our way of welcoming you as a new cardholder!
  • Celebrate your birth month with a sumptuous lunch or a night of fine dining with your friends at any LJC restaurant and enjoy a one-person discount on your total bill.


  • Fuel up and earn one (1) rewards point each time you charge ₱100 from gas stations to your card


  • Earn one (1) rewards point each time you charge ₱100 from supermarkets and drugstores to your card


  • Shop and earn one (1) rewards point each time you charge ₱100 to your card
  • Exclusive shopping deals and promotions


  • Get instant access to cash anywhere in the world
  • Earn one (1) rewards point each time you charge ₱100 from your card for all your travel spends.

Other Features

  • Non-expiring Rewards

    • Redeem your Rewards Points and exchange them for Dining Vouchers that you can use at any LJC Restaurant.

  • 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 ₱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 ₱720.00
Finance charges 3.50% per month
Must have postpaid account? No
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

Fantastic For Foodies

The ultimate foodie companion, RCBC LJC Credit Card gives you benefits from multiple dining choices brought to you by the renowned LJC Restaurant Group. Get to experience exclusive restaurant perks, privileges and discounts all throughout the year. For starters, you get a free bottle of wine as a welcome gift. You are also entitled to 10% discount every time you dine at any LJC restaurant. Make your birthdays more special as you celebrate it with a one-person dining discount during your birth month. Plus, whenever you use your card at any LJC restaurant, your accumulated spending is tallied and based from it, you can get free LJC gift certificates. Reward points are also earned for every ₱100 charged to your card, which can then be used to redeem vouchers.

Fees and Charges of RCBC LJC Credit Card

For the first year, the annual membership fee is waived. Afterwards, it will be ₱960 for principal cardholders and ₱720 for supplementary cardholders. The monthly interest rate is 3.5%, whereas the late payment fee will be ₱400.

Are you eligible for an RCBC LJC Credit Card?

If you’re interested to apply as a principal cardholder, you must have ₱19,167 minimum monthly income and at least 21 years of age. For supplementary cardholders, you have to be 13 years old and older.

If you want to look for other options, we suggest that you also check out Union Bank Racks Visa Credit Card and Union Bank Burgoo Visa Credit Card, which have similar features that may appeal to you.

If you're still considering other choices, you can also check out the current RCBC credit card zero annual fee promo available on our website to help you decide on getting the right card for your needs.