• Min. Monthly Income


  • Interest Rate

    3.5% /month

  • Annual Fee


Feature Highlights
  • Enjoy FREE Annual Membership Fee for a lifetime!
  • 5% rebate on Phoenix fuel purchases
  • Free ₱500 Phoenix fuel as a welcome gift
  • 5% discount on Phoenix gasoline and diesel engine oils


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!


  • Have additional coverage for protection through Assist & Assistance Concept (A & A Concept) in cases of accidents, disablement, or death.


  • 5% discount on Phoenix gasoline and diesel engine oils
  • 5% rebate on Phoenix fuel purchases
  • Free ₱500 Phoenix fuel as a welcome gift


  • Convert your accumulated rewards points at a conversion rate of four (4) Rewards Points = One (1) Mabuhay Mile/GetGo Point/Asia Mile/BIG Point

Other Features

  • 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 ₱1,800.00
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 (Waived for life for 1st supplementary)
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 advance 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

Fuel Up For Faster Rewards

With the constant, unpredictable variation in fuel prices, wouldn’t it be an advantage if you can receive rebates everytime you gas up? With the RCBC Bankard Phoenix credit card, you can soften the fuel price surges with rewards points that you can convert to Airmiles, shopping vouchers, or cash credit to your RCBC Bankard. Use your credit card to receive 5% rebate everytime you purchase fuel at participating Phoenix gas stations nationwide. You can also enjoy 5% discount on engine oils, whether gas or diesel at participating Phoenix stations. Apply now and receive a ₱500 welcome gift when you spend a minimum ₱2,000 on fuel at participating outlets.

Fees and Charges of RCBC Bankard Phoenix MasterCard

The monthly interest rate for the RCBC Bankard Phoenix credit card is 3.5%. If you are a principal cardholder, there will be an annual membership fee of ₱1,800 which is waived for the first year but will need to pay on the succeeding years. For supplementary cardholders, the annual membership fee for the first supplementary card is waived. However for the 2nd card, the annual membership fee will be ₱720. For non-payment of dues, there will be a late payment fee of ₱400. But for multiple occurences exceeding 3 months for the past 12 months, it will be ₱500 (4-6 months) or ₱600 for 7 months and up. For cash advances, there is a fee of 3% of the amount availed or ₱500 whichever is higher.

Are you eligible for a RCBC Bankard Phoenix MasterCard?

To become a cardholder, you must be at least 21 years of age to apply. You must also have a minimum monthly income of ₱19,167 to be eligible. As for supplementary cardholders, he or she must be 13 years old and above.

If Phoenix fuel station is your go-to choice for gassing up, it makes perfect sense to avail of the RCBC Bankard Phoenix MasterCard. Don’t let constantly changing gas prices be a bother as you take advantage of the rewards, discounts, and the fuel welcome gift offer. You will also receive free roadside assistance, towing services, and accident insurance through Assist and Assistance Concept (A & A Concept). As for the rewards, earn 1 point for every ₱125 spent on all retail transactions. Points are also non-expiry.

For car owners, a fuel-centered credit card is a must have as it provides additional bonus and privileges specific for the daily driver. It also helps ease the impact of the rising cost of gas. If you have a different bank in mind, you can also consider the Citi Shell Credit Card and BPI Petron Credit Card, both of which offer great value when used for vehicle and transportation related expenses.

In case you have changed your mind on what type of card your are looking for, you can view our full list of RCBC Bankard credit cards available on our site so you can compare which features and rewards are most beneficial to you.