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Moneymax Reviews: Flex Your Financial Savvy with RCBC Bankard Flex Visa

Ricky Publico

Ricky Publico

Last updated July 30, 2021

There will come a time when you'll have to flex your financial capability. Whether it's a first date or a family reunion, it will come when you least expect it. You don't want to be caught off guard without the best credit card in your arsenal, do you? Then good thing, this RCBC Bankard Flex Visa review can help you do just that.

This week on the latest edition of Moneymax Reviews, we're taking a look at RCBC's hippest credit cards to date. Are you ready to flex your financial independence? Get a chance to do just that by checking out this review.

RCBC Bankard Flex Visa Key Features

rcbc bankard flex visa review - key features

The RCBC Bankard Flex Visa is a hip credit card for a reason. As you'll find out from the key features below, this is one of the most accessible credit cards out there for millennials with its low income requirement and affordable annual fee.

But if money is no object to you, you can opt to get the premium variant of this credit card in the form of RCBC Bankard Flex Gold Visa and get the same perks we'll discuss later.

  • Annual fee: 
    • Flex Visa: PHP 1,500
    • Flex Gold Visa: PHP 3,000
  • Interest rate: 2%
  • Minimum monthly income requirement: 
    • Flex Visa: PHP 15,000
    • Flex Gold Visa: PHP 50,000
  • Cash advance fee: PHP 200
  • Late payment fee: PHP 850 or the minimum amount due, whichever is lower
  • Overlimit fee: PHP 600
  • Foreign transaction fee: 2.25%
  • Card replacement fee: PHP 300 per card

Why Should You Flex with the RCBC Bankard Flex Visa?

rcbc bankard flex visa review - reasons to get one

The RCBC Bankard Flex Visa was created with millennials in mind. After all, they're the fastest-growing demographic in the credit card market according to a recent TransUnion study.[1] Aside from its trendy design, the RCBC Bankard Flex Visa offers great perks for millennials (and millennials at heart).

The main attraction is definitely the double rewards points you earn from two spend categories of your choice. This means you can choose to earn more points from expenses most millennials care more about. You can choose from the following spend categories:

  • Dining
  • Clothing
  • Travel
  • Transportation

Ready to give RCBC Bankard Flex Visa a spin? Here's a quick review of its features.

rcbc bankard flex visa

But if you're the type of millennial who is focused less on the bells and whistles and more on saving money on the things that matter, then you can always choose the more premium variant: the RCBC Bankard Flex Gold Visa. If you can afford it, you'll get to enjoy 2x reward points on three spend categories of your choice:

  • Grocery
  • Gas
  • Travel
  • Department Store
  • Home Appliances

Want the more premium RCBC Bankard Flex Gold Visa? Take a look at its key features.

rcbc bankard flex gold visa

What Perks Can I Expect From My RCBC Bankard Flex Visa?

rcbc bankard flex visa review - card benefits

Of course, it's not fun when a credit card has only one perk. That's why you've reached the point of this RCBC Bankard Flex Visa review where we explore other features that come with your credit card. Don't worry, this card won't leave you hanging in terms of exciting perks.

Free Travel Insurance

Whatever version of the RCBC Bankard Flex Visa you get, you'll instantly enjoy free travel insurance of up to PHP 50,000. This covers accidental death or dismemberment, trip-related inconveniences such as flight delay, misplaced or delayed baggage, and emergency trip cancellation for up to 15 days per trip.

As an additional travel perk, your RCBC Bankard Flex Visa also grants you access to the Skyview Airport Lounge located at NAIA Terminal 3. Now you can just chill and wait in peace during a flight delay or cancellation.

Free Purchase Protection

If you love ordering items from overseas, you'll be pleased to know that your RCBC Bankard Flex Visa also comes with free purchase protection insurance. This covers you from loss and accidental damages of items purchased abroad using your credit card for up to PHP 50,000 or your credit limit, whichever is lower.

Free Annual Fee for Life Promo

You can even waive your annual fees permanently if you apply for an RCBC Bankard Flex Visa or RCBC Bankard Flex Gold Visa from July 1, 2021 to September 30, 2021.[2] All you have to do is spend at least PHP 30,000 within 60 days of receiving your new credit card. Don't miss this promo because waiving annual fees is pretty much the goal of every cardholder out there.

Read more: 15 Exciting RCBC Credit Card Promos You Shouldn’t Miss in 2021

RCBC Bankard Flex Visa Alternatives

Didn't like either variant of RCBC's millennial-centric credit card? That's all right! You can and should always check out alternatives. After all, it wouldn't be an RCBC Bankard Flex Visa review without looking at other viable credit cards worthy of your attention. Here are just some of them.

HSBC Red Mastercard

HSBC Red Mastercard

Want to earn more points without spending too much money on annual fees? Then you should apply for an HSBC credit card right about now, specifically the HSBC Red Mastercard. Enjoy 4x reward points on online, shopping, dining, and overseas transactions—no choosing needed.

Citi Rewards Credit Card

citibank credit card application - Citi Rewards Card

If you're looking for yet another rewarding credit card to add to your collection, Citi Rewards Card is a great addition. Apply now and once approved, you can earn 3x reward points for shopping and dining spend.

Note: This product is sold by Union Bank of the Philippines, using certain trademarks temporarily under license from Citigroup Inc. and related group entities.

UnionBank Lazada Credit Card

unionbank lazada credit card

Love online shopping? You should then apply for the UnionBank Lazada Credit Card, the only co-branded credit card tied to a popular online shopping platform as of this writing. Upon receiving your new card, you'll instantly receive PHP 5,000 Lazada Wallet credits and earn 6x more credits for every PHP 200 spend.

AUB Easy Mastercard

aub easy mastercard

But perhaps you just need a trusty credit card without all the smoke and mirrors. Then check out AUB Easy Mastercard because right off the bat, your annual fees are waived forever. Plus, you can even choose when you want to pay your credit card bills and how much you want to pay. Neat!

Final Thoughts

It's never too late to flex and show everyone how money-savvy you are. Whether this RCBC Bankard Flex Visa review helped you or not, at least it showed you how credit cards can help improve your finances in just a few swipes. If you're still looking for the right credit card, maybe the previous edition of Moneymax Reviews could help you out? Just sayin'.

best credit cards in the philippines



Ricky is the zaniest Product Marketing Manager at Moneymax, with over six years of writing experience in the digital marketing industry. He had written for SEO, cybersecurity, and other related industries prior to joining Moneymax. He also specializes in content writing, copywriting, and email marketing. He is a huge fan of pro-wrestling, One Piece, and smartphones in general. Follow Ricky on LinkedIn.