• Min. Monthly Income


  • Interest Rate

    3.5% /month

  • Annual Fee


Feature Highlights
  • Enjoy a lifetime Annual Membership Fee!
  • Earn 3X rewards points for your purchases at Wilcon
  • Separate Installment Limit for your big-ticket installment purchases


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!


  • 25% OFF on Home Protect Business Protect Insurance from Malayan Insurance


  • Earn one (1) rewards point each time you charge ₱200, plus earn 3X rewards points for your purchases at Wilcon.
  • 0% EasyTerms Installment on selected items at Wilcon at 3, 6, 9 and 12 installment terms for a minimum purchase of ₱3,000
  • Get free real-time SMS alerts each time you make a purchase
  • Exclusive shopping deals and promotions


  • Dine and earn one (1) rewards point for every ₱200 charged to your card
  • Enjoy exclusive Dining PERKS from your favourite restaurants


  • Fuel up and earn one (1) rewards point each time you charge ₱200 from gas stations to your card


  • Earn one (1) rewards point each time you charge ₱200 from supermarkets and drugstores to your card


  • Free Travel Insurance (Travel Plus Lite) & Purchase Protection
  • 0% Installment for your purchases abroad
  • Get instant access to cash anywhere in the world
  • Get up to 100% increase in credit limit during your travel period

Other Features

  • Exclusive Privileges at Wilcon

    • Special Buys at all Wilcon stores
    • 25%OFF on Home Protect Business Protect Insurance from Malayan Insurance

  • Non-expiring Rewards

    • Redeem your Rewards Points and exchange them for Shopping Vouchers that you can use at Wilcon.

  • 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 ₱1,200.00
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


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

Build Your Dreams

Are you preparing to build your dream house? With RCBC Wilcon Credit Card, get the latest and most extensive selection of home-building supplies, decorations, appliances, and furnishings, all within your reach. You can also take advantage of exclusive promotions, special offers and events all-year round. Get more value from your Wilcon purchases as you earn up to 3x Rewards Points for every transaction charged to your card. Your accumulated points can be used to redeem Rewards Vouchers which you can use at Wilcon. You also receive special benefits such as 0% interest instalment term, separate installment limit for your big-ticket purchases as well as 25% discount on home insurance from Malayan Insurance.

Fees and Charges of RCBC Wilcon Credit Card

The first year membership fee is waived. For the principal cardholder, annual membership fee is ₱1,200 and ₱900 for the supplementary cardholder. Monthly interest charge is 3.5% and late payment fee is ₱400.

Are you eligible for an RCBC Wilcon Credit Card?

If you’re interested to apply, you must be 21 years old and above and have a minimum monthly income of ₱19,167. For the supplementary cardholder, he/she should be at least 13 years of age and up.

Having a hard time choosing? Our team can help and would like to recommend that you check out Union Bank Home Depot Visa Credit Card which may be more suitable to your needs.

Before considering other options, we also suggest to compare RCBC credit card application details available on our website and decide which one matches your requirement.