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• Quick and Easy RCBC Credit Card Application Guide

Quick and Easy RCBC Credit Card Application Guide

Whether you’re looking for a credit card with a higher credit limit, non-expiring rewards points, or exclusive shopping, dining, and travel privileges, RCBC offers various options to suit your lifestyle and budget.

Find out about the RCBC credit card application process and learn which card is right for you in this guide. 

RCBC Credit Card Online Application Steps

1. Check Your RCBC Credit Card Eligibility 

RCBC principal cardholders should be 21 to 65 years old while supplementary cardholders should be 13 to 65 years old. Having a mobile number and a work landline is also required for an RCBC credit card application.    

• Should You Get a Supplementary Credit Card or Your Own Credit Card?
• Can Your Kids Handle a Supplementary Credit Card?

2. Prepare the RCBC Credit Card Requirements 

If you’re employed, here are the documents you need to prepare: 

• Fully accomplished application form 
• 1 valid photo-bearing ID with signature 
• Proof of income
  • Latest payslip that shows your monthly salary 
  • Original Certificate of Employment (not more than 6 months old, stating annual income and signed by an authorized Human Resources signatory)
  • W2 with BIR or Bank Stamp or Income Tax Return (ITR)

For self-employed credit card applicants, here are the requirements: 

• Fully accomplished application form 
• 1 valid photo-bearing ID with signature 
• Proof of income (Latest Audited Financial Statement with BIR or Bank Stamp and photocopy of Income Tax Return and/ or W2 with BIR or Bank Stamp)       

3. Pick the Right RCBC Credit Card for You 

There are quite a few RCBC credit cards that you can get depending on income requirements and what you’re looking for in a credit card. Here are just some of them.

RCBC Bankard Flex Visa

• Annual fee: PHP 1,500
• Features: 2x rewards on your two preferred categories from the following: Transportation, Travel, Dining, and Clothing
• Minimum monthly income: PHP 15,000
• Ideal for: Millennials who like financial flexibility 

Read more: 

• 9 Best Credit Cards for Filipino Millennials on a Budget
• Credit Cards That Help Motorists Save Money

RCBC Bankard Classic Card

• Annual fee: PHP 1,500
• Features: Non-expiring reward points, travel insurance, and purchase protection insurance
• Minimum monthly income: PHP 15,000
• Ideal for: Young professionals who want the convenience and flexibility of a credit card  

RCBC Bankard Gold Flex Visa

• Annual fee: PHP3,000
• Features: 2x rewards on your three preferred categories from the following: Household Appliances, Department Store, Travel, Gas, and Grocery
• Minimum monthly income: PHP 50,000
• Ideal for: Cardholders who prioritize premium rewards and benefits 

Read more: 

• Best Credit Cards for Grocery Shopping in the Philippines
• 8 Best Credit Cards for Shopping in the Philippines
• Best Credit Cards for Gadget Shopping in the Philippines

RCBC Bankard Gold Mastercard

• Annual fee: PHP 3,000
• Key feature: Non-expiring reward points that you can exchange for shopping vouchers, cash credits, cash rebates, air miles, donations, or deposit to your RCBC account
• Minimum monthly income: PHP 50,000
• Ideal for: High-income earners 

RCBC Bankard Visa Platinum

• Annual fee: PHP 5,000 (waived on the first year)
• Key feature: Preferred Airmiles Program that allows earning 1 Preferred Airmile per PHP 25 overseas spend or PHP 48 local spend  
• Minimum monthly income: PHP 100,000
• Ideal for: Frequent travelers who love to travel VIP-style

Read more: 

• Traveling Overseas? Take These International Credit Cards With You
• 12 Best Air Miles Credit Cards for Cheaper Travel in the New Normal
• 6 Dual Currency Credit Cards for Filipino Travelers

RCBC Bankard Visa Infinite

• Annual fee: PHP 3,600
• Features: Flexible, non-expiring rewards and 5% rebate on straight-charge purchases at local and international clothing retail shops   
• Minimum monthly income: PHP 300,000
• Ideal for: Cardholders looking for a premium lifestyle credit card 

RCBC Bankard World Mastercard

• Annual fee: PHP 3,600
• Features: Complimentary Priority Pass membership, unlimited Skyview Airport Lounge access, and free PHP 1 Million travel insurance coverage  
• Minimum Monthly Income: PHP 300,000
• Ideal for: Cardholders looking for a prestigious credit card with exclusive benefits 

You can also learn more about RCBC Bankard’s full credit card line-up^[1] through its website.

4. Proceed to Your RCBC Credit Card Online Application 

Once you’re decided on which RCBC credit card you want to get, click the Apply Now button. You’ll see a pop-up window with the Declaration of Credit Card Fees, Charges, Rates and Installments, Customer Undertaking and Declaration, and Data Privacy. Tick the confirmation box and the I Accept box. 

Next, provide the required information in the following sections:

Pre-Application Details 

• Enter your date of birth. Tick the corresponding box if you’re an existing credit cardholder of another bank or not, if you’re an existing RCBC depositor, and if you’re employed or self-employed.
• Enter your gross annual income and select your company name from the drop-down list.

Personal Details 

Enter your last name, middle name, first name, as well as other personal information like your TIN/SSS/GSIS and educational attainment.

Employment and Financial Information: 

• Provide your occupation, the name of your employer, the nature of its business, and the position you currently hold. 
• Enter your company’s address and contact details, as well as the number of years you’ve been with the company. 
• Under the finance details, select your employment type. After which, indicate the name you want to appear on your credit card and the address where you want your credit card to be delivered. 

5. Verify and Upload Your Requirements 

The next step is the video verification and uploading of your requirements, so it’s best to do this step on your laptop with a web camera.

Choose a well-lit place in your home or office where there are no people in the background. Remove your glasses, face mask or face shield, cap, or anything that covers your face and head. Make sure that your face is clearly visible and just follow the video prompts. 

How to Apply for an RCBC Credit Card at the Nearest Branch 

If you don’t have a laptop or internet connection, don’t worry because you can still apply at an RCBC branch.

Head to the nearest RCBC branch and bring your requirements with you. Just inform the bank staff that you’d like to apply for an RCBC credit card. They’ll give you the RCBC credit card application form to fill out.

How to Check Your RCBC Credit Card Application Status

To get an update on the status of your RCBC credit card application, you may call RCBC Bankard’s customer service line at +632 8888 1888 or email to email@service.rcbcbankard.com.

Further reading: 

• Credit Cards in the Philippines: A Complete Guide for Expats
• Earning Below P20,000? Consider These Credit Cards for Low Income Earners
• 10 Credit Cards for Young Entrepreneurs in the Philippines

Final Thoughts

Manage your credit card spending, enjoy enhanced credit card security, avail of flexible payment options for big purchases, and earn rewards with your every spend. These are just some of the things you can look forward to with an RCBC credit card. Visit Moneymax to compare credit cards and apply for one today. 

Source: ^[1] RCBC Bankard Credit Cards

Rouselle Isla

Rouselle is the Finance Writer at Moneymax, with over six years of writing experience in the personal finance niche. She’s also passionate about ’90s music, books, and film. Follow Rouselle on Linkedin.