RCBC credit cards
RCBC offers 18 consumer credit cards, with membership fees from ₱960 to ₱6,000 a year in total, interest of 3% a month.
For card concerns, call RCBC at (02) 8888-1888 or 1-800-10-888-1888 (For Gold, Classic and co-branded cards, daily 8 AM to 10 PM. The 1-800 number is toll-free from PLDT landlines outside Metro Manila).
The cheapest RCBC card to hold and carry a ₱20,000 balance on for 3 months is the RCBC Landmark Anson's Mastercard at ₱2,172, 16th of 127 cards open to the public.
Fees and rates as printed on RCBC's fee table; contact and application details from RCBC's own site; the interest ceiling is set by the Bangko Sentral ng Pilipinas in BSP Circular No. 1165, s.2023.
BSP supervised: Rizal Commercial Banking Corporation, universal and commercial bank, BSP institution ID 1, is on the BSP Verifier list dated Sep 28, 2026.
RCBC credit card hotline and customer service
| Card hotline | (02) 8888-1888 or 1-800-10-888-1888 For Gold, Classic and co-branded cards, daily 8 AM to 10 PM. The 1-800 number is toll-free from PLDT landlines outside Metro Manila.RCBC contact page |
|---|---|
| Lost or stolen card | (02) 8888-1888 Call the main hotline and press 1; lost, stolen and fraud reports are taken 24 hours.RCBC contact page |
| Other channel | Email email@service.rcbcbankard.com from your registered email with your full name and the first and last 4 digits of your card; replies take 3 to 5 working days bank page |
| Other channel | Chat with Erica on rcbccredit.com: account information, activation and applications bank page |
Call only the numbers printed on RCBC's own site.
How to apply for a RCBC credit card
- Go to applications.rcbccredit.com, choose your card and click Start New Application.
- Complete the form and submit a valid ID and a selfie for identity checks.
- Watch for an SMS with your reference number within 10 banking days, and keep your phone on.
- Get an SMS with the decision on your card.
- Get another SMS when your card is on its way.
Where to apply: Apply online at applications.rcbccredit.com; apply through Chat with Erica; apply through RCBC's accredited sales agencies, with no processing fee. bank page
Check your RCBC application status
Email your reference number as the subject to email@service.rcbcbankard.com, or call (02) 8888-1888, press 3 and enter your reference number; the status comes back by SMS. RCBC application status
RCBC credit card requirements
Who can apply
- At least 21 years old
- Residing in the Philippines
- Employed or self-employed, with the annual income each card requires
Requirements as the bank lists them
Documents if you are employed
- One Philippine government photo ID: driver's license, passport, PhilPost ID, PRC, SSS, TIN, UMID, visa or residence ID, voter's ID or PhilSys
- Proof of income, one of: latest ITR or W2 with a BIR or bank stamp; latest payslip showing monthly salary; or an original COE with annual income, signed by HR and not older than 6 months
Requirements as the bank lists them
Documents if you are self-employed or a freelancer
- One Philippine government photo ID
- Latest Audited Financial Statement with a BIR or bank stamp, and a copy of your ITR or W2 with a BIR or bank stamp
Requirements as the bank lists them
Other applicants
- A mobile phone with a working camera, for identity checks
- A mobile number for one-time PINs
- A valid email address, where your statement is sent
Requirements as the bank lists them
The income tax return asked of self-employed applicants is the annual BIR Form 1701.
Which RCBC card to pick
| If | Pick | Why | Watch out |
|---|---|---|---|
| You want the lowest cost | RCBC Landmark Anson's Mastercard | Cheapest RCBC card on a ₱20,000 balance paid off in 3 months plus a year of fees: ₱2,172. | The ₱960 fee is charged every year after the waiver ends. |
| You want a travel and miles card | AirAsia Credit Card by RCBC | Lowest yearly fee among RCBC's travel and miles cards: ₱300 a month. | The ₱3,600 fee is charged every year after the waiver ends. |
| You want a cash back card | RCBC Landmark Anson's Mastercard | Lowest yearly fee among RCBC's cash back cards: ₱80 a month. | The ₱960 fee is charged every year after the waiver ends. |
Every RCBC card open to the public carries a yearly fee; these cards from other banks do not.
Every RCBC card compared
Source: RCBC fees and charges and each card's product page. Networks: Mastercard, Visa, JCB. 2 cards are limited to a group of clients and left out of the picks above.
How RCBC bills: minimum due, fees and interest
| Minimum amount due | 3% of the statement balance not counting this statement's new transactions and past-due amounts, plus the past-due amount, late charge and over-limit amount, or ₱500, whichever is higher. RCBC then rounds it down to the nearest ₱100 (₱500 to ₱1,000), ₱500 (₱1,000 to ₱3,000) or ₱1,000 (above ₱3,000). source |
|---|---|
| Late payment fee | ₱1,000. RCBC Credit Cards fees and charges |
| Foreign transactions | 3.5% service fee on foreign currency transactions (network assessment plus bank service fee). 15 cards. RCBC Credit Cards fees and charges |
| Foreign transactions | All-in FX fee of 2.50%. AirAsia Credit Card by RCBC. source |
| Foreign transactions | All-in FX fee of 1.85% on international purchases, in-store and online. AirAsia Platinum Credit Card by RCBC. source |
| Foreign transactions | Standard all-in FX conversion fee of 1.70%. A promotional 1.50% applies until December 31, 2026. RCBC AirMiles Visa Signature. source |
| Annual fee waiver | RCBC Hexagon Club Platinum Mastercard: Annual fees waived for life. bank page |
| Annual fee waiver | RCBC Hexagon Club Priority World Mastercard: Free for life. bank page |
| Annual fee waiver | AirAsia Credit Card: No annual fee on first year. bank page |
| How interest is computed | Interest is computed on the daily outstanding balance from the date of each transaction. source |
| BSP ceilings | 36% a year (3% a month) on interest, a 1% a month add-on on instalments, and ₱200 on the cash advance processing fee with no other fee allowed, under BSP Circular No. 1165, s.2023. BSP Circular No. 1165, s.2023 |
To see what a balance costs at RCBC's rate, use the credit card interest calculator.
Paying your RCBC card, and promos
- RCBC branch, RCBC Pulz app, RCBC Online Banking or DiskarTech from an RCBC account (credited the same weekday if paid at a branch from 9 AM to 4 PM, or in the apps before 6 PM)
- Scan the QR Ph code on your statement in RCBC Pulz
- Online banking of your own bank, biller "RCBC Bankard" (2 to 3 banking days)
- GCash and Maya, biller "RCBC Bankard" (2 to 3 banking days)
- Auto-debit for RCBC depositors
- Check payable to RCBC Bankard or RCBC Credit Card
- ATMs of BDO, BPI, UnionBank and other BancNet or Megalink banks
- Over the counter at RCBC, BDO, SM Bills Payment and Bayad Centers (2 to 3 banking days)
Promos change every few weeks. See the current ones on RCBC's credit card promos page.
RCBC credit card questions
What is the RCBC credit card hotline?
(02) 8888-1888 or 1-800-10-888-1888 (For Gold, Classic and co-branded cards, daily 8 AM to 10 PM. The 1-800 number is toll-free from PLDT landlines outside Metro Manila). To report a lost or stolen card: (02) 8888-1888. These are the numbers on RCBC's own website.
How do I apply for a RCBC credit card?
1. Go to applications.rcbccredit.com, choose your card and click Start New Application. 2. Complete the form and submit a valid ID and a selfie for identity checks. 3. Watch for an SMS with your reference number within 10 banking days, and keep your phone on. 4. Get an SMS with the decision on your card. 5. Get another SMS when your card is on its way.
How do I check my RCBC credit card application status?
Email your reference number as the subject to email@service.rcbcbankard.com, or call (02) 8888-1888, press 3 and enter your reference number; the status comes back by SMS.
What are the requirements for a RCBC credit card?
At least 21 years old; Residing in the Philippines; Employed or self-employed, with the annual income each card requires. Employed applicants submit: One Philippine government photo ID: driver's license, passport, PhilPost ID, PRC, SSS, TIN, UMID, visa or residence ID, voter's ID or PhilSys; Proof of income, one of: latest ITR or W2 with a BIR or bank stamp; latest payslip showing monthly salary; or an original COE with annual income, signed by HR and not older than 6 months.
How much is the RCBC credit card annual fee, and can it be waived?
Membership fees run from ₱960 to ₱6,000 a year in total. 16 cards waive the fee in the first year only. RCBC Hexagon Club Platinum Mastercard: Annual fees waived for life. RCBC Hexagon Club Priority World Mastercard: Free for life. AirAsia Credit Card: No annual fee on first year.
What is the RCBC credit card interest rate?
3% a month on balances left unpaid after the due date; the BSP cap is 3% a month (36% a year). The minimum amount due is 3% of the statement balance not counting this statement's new transactions and past-due amounts, plus the past-due amount, late charge and over-limit amount, or ₱500, whichever is higher. RCBC then rounds it down to the nearest ₱100 (₱500 to ₱1,000), ₱500 (₱1,000 to ₱3,000) or ₱1,000 (above ₱3,000).
How do I pay my RCBC credit card bill?
RCBC branch, RCBC Pulz app, RCBC Online Banking or DiskarTech from an RCBC account (credited the same weekday if paid at a branch from 9 AM to 4 PM, or in the apps before 6 PM); Scan the QR Ph code on your statement in RCBC Pulz; Online banking of your own bank, biller "RCBC Bankard" (2 to 3 banking days); GCash and Maya, biller "RCBC Bankard" (2 to 3 banking days); Auto-debit for RCBC depositors; Check payable to RCBC Bankard or RCBC Credit Card; ATMs of BDO, BPI, UnionBank and other BancNet or Megalink banks; Over the counter at RCBC, BDO, SM Bills Payment and Bayad Centers (2 to 3 banking days).
What is the best RCBC credit card?
On cost, the RCBC Landmark Anson's Mastercard (₱2,172 on a ₱20,000 balance over 3 months plus a year of fees, 16th of 127 cards open to the public).
Cards and your taxes
Card fees and interest do not lower the tax on a salary: Section 34 of the Tax Code allows no deductions against compensation income. A self-employed cardholder who takes the 40% optional standard deduction gets it in place of itemized expenses, so card charges do not reduce tax there either.