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 more about RCBC credit cards and learn how to apply for a credit card from RCBC in this guide.
How to Apply for a Credit Card from RCBC: Online Application Steps
Step 1: Check Your RCBC Credit Card Eligibility
The first step is to check your eligibility. RCBC principal cardholders should be 18 to 65 years old while supplementary cardholders should be 13 to 65 years old. Applicants also need a mobile number and a work landline.
Step 2: Prepare the RCBC Credit Card Requirements
If you’re employed, prepare these RCBC credit card application requirements:
- Fully accomplished application form
- One valid photo-bearing ID with signature
- Proof of income
- Latest payslip that shows your monthly salary
- Original Certificate of Employment (not more than six 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
- One valid photo-bearing ID with signature
- Proof of income
- Latest Audited Financial Statement with BIR or Bank Stamp
- Photocopy of Income Tax Return and/ or W2 with BIR or Bank Stamp)
Step 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 the features you're looking for in a credit card. Here are just some of them:
Find more details and options below:
💳 Classic Cards
RCBC Classic Mastercard
- Annual fee: ₱1,500
- Features: Non-expiring rewards points, free travel insurance, and free budget monitoring tools
- Minimum monthly income: ₱15,000
- Ideal for: Young professionals who want the convenience of a credit card
RCBC Flex Visa
- Annual fee: ₱1,500
- Features: 2x rewards on your two preferred categories from the following: transportation, travel, dining, and clothing
- Minimum monthly income: ₱15,000
- Ideal for: Millennials who like financial flexibility
Read more: Get More Rewards: How to Earn Credit Card Points Quickly
💳 Gold Cards
RCBC Gold Mastercard
- Annual fee: ₱3,000
- Key feature: Rewards points for every spend, free budget monitoring tools, free travel insurance, access to PAGSS Lounge in Terminals 1 & 3
- Minimum monthly income: ₱41,667
- Ideal for: Professionals starting to earn a higher income
RCBC Flex Visa Gold
- Annual fee: ₱3,000
- Features: 2x rewards on your three preferred categories from the following: household appliances, department store, travel, gas, and grocery
- Minimum monthly income: ₱41,667
- Ideal for: Cardholders who prioritize premium rewards and benefits on essential spend
💳 Co-Branded Cards
RCBC Landmark Anson's Mastercard
- Annual fee: ₱960
- Key feature: 3% rebate on straight purchases every weekday at Landmark and Anson’s, points for every purchase outside Landmark and Anson’s
- Minimum monthly income: ₱15,000
- Ideal for: Frequent shoppers at Landmark and Anson’s stores
RCBC Mango Mastercard
- Annual fee: ₱1,200
- Key features: Non-expiring points, 0% installment of up to 6 months at Mango stores, priority access to next season’s catalog offers
- Minimum monthly income: ₱15,000
- Ideal for: Fashionistas who love shopping at Mango
AirAsia Credit Card
- Annual fee: ₱3,600
- Key feature: Up to 8,000 free AirAsia points, 1 AirAsia point for every ₱22 AirAsia spend, priority check-in and boarding
- Minimum monthly income: ₱15,000
- Ideal for: Frequent travelers who primarily use AirAsia
Read more: Fly for Free When You Convert Your Credit Card Points to Miles
RCBC ZALORA Credit Card
- Annual fee: ₱4,000
- Key feature: Up to 6% cash back on online ZALORA purchases, rewards points for offline purchases, unlimited free shipping via ZNOW
- Minimum monthly income: ₱20,833
- Ideal for: Shoppers who frequent ZALORA
💳 Premium Cards
RCBC Diamond Card Platinum Mastercard
- Annual fee: ₱2,500
- Features: Automatic donation of ₱0.10 for every ₱100 spend, non-expiring rewards points, free travel insurance of up to ₱1 million
- Minimum monthly income: ₱83,333
- Ideal for: High-income cardholders who want to give back
RCBC Black Platinum Mastercard
- Annual fee: ₱3,600
- Key features: Available in Peso and Dollar, non-expiring reward points, and free travel insurance of up to ₱1 million
- Minimum monthly income: ₱83,333
- Ideal for: Frequent travelers who enjoy premium perks
RCBC Visa Platinum
- Annual fee: ₱5,000
- Key feature: Preferred Airmiles Program, access to world-class airport lounges, free travel insurance of up to ₱5 million
- Minimum monthly income: ₱83,333
- Ideal for: Frequent travelers who love to travel VIP-style
RCBC World Mastercard
- Annual fee: ₱3,600
- Features: Worldwide offers with Mastercard Moments, complimentary Priority Pass™ membership, free international travel insurance
- Minimum monthly income: ₱166,666
- Ideal for: Frequent globetrotters
RCBC Visa Infinite
- Annual fee: ₱6,000
- Features: Up to 5x rewards points on online and overseas purchases; complimentary Priority Pass™ membership and unlimited access to local airport lounges
- Minimum monthly income: ₱166,666
- Ideal for: Cardholders looking for a premium lifestyle credit card
For easy reference, here's a quick comparison of RCBC's top cards:
| Credit Card | Minimum Monthly Income Requirement | Annual Fee | Features |
|
RCBC Landmark Anson's Mastercard
  |
₱15,000
|
₱960
|
|
|
RCBC Mango Mastercard
 |
₱15,000
|
₱1,200
|
|
|
RCBC Classic Mastercard
 |
₱15,000
|
₱1,500
|
|
|
RCBC Flex Visa
 |
₱15,000
|
₱1,500
|
|
|
AirAsia Credit Card
 |
₱15,000
|
₱3,600
|
|
|
RCBC Gold Mastercard
 |
₱41,667
|
₱3,000
|
|
|
RCBC Flex Visa Gold
 |
₱41,667
|
₱3,000
|
|
|
RCBC Diamond Card Platinum Mastercard
 |
₱83,333
|
₱2,500
|
|
|
RCBC Black Platinum Mastercard
 |
₱83,333
|
₱3,600
|
|
|
RCBC World Mastercard
 |
₱166,666
|
₱3,600
|
|
|
RCBC Visa Infinite
 |
₱166,666
|
₱6,000
|
|
You can learn more about RCBC's full credit card line-up[1] through its website.
Related: No Overspending and Late Payments: How to Manage Multiple Credit Cards
Step 4: Proceed With Your RCBC Credit Card Online Application
Once you've decided on which RCBC credit card you want to get, click the Apply Now button on www.rcbccredit.com. Choose your preferred credit card and click Start New Application.
You'll see a pop-up window. Fill in the preliminary questions. Then read the Terms and Conditions; Declaration of Credit Card Fees, Charges, Rates and Installments; and Customer Undertaking and Declaration. Once done, click Agree and Proceed.
Next, you'll see a reminder to prepare your government ID, your mobile phone (including a working camera), and a valid e-mail address.
Then provide the required information in the following sections:
- Personal Information
- Contact Information
- Place of Birth
- Home Address
- Work Information
- Work Address
- Additional Information
Click Proceed to Step 2. If you want to continue your application at a later time, click Save for Later.
Step 5: Verify and Upload Your Requirements
Go over your information. Edit anything if necessary, then click Submit. The next step is the identity verification and uploading of your requirements.
Choose a well-lit place in your home or office where there are no people in the background. Remove your glasses, cap, or anything that covers your face and head. Make sure your face is clearly visible.
Just follow the succeeding prompts. Once you're done with the verification process, that's it! Wait for RCBC to reach out to you regarding your application.
How to Apply for a Credit Card from RCBC: Branch Application Steps
If you prefer doing things in person, you can 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 Apply for a Credit Card in RCBC: FAQs
1. How can I check my RCBC credit card application status?
To get an update on the status of your RCBC credit card application, call RCBC Credit Card's customer service line at (02) 8888 1888 or send a message to email@service.rcbcbankard.com.
This also applies if you want to know how to follow up on your RCBC credit card approval.
2. How many days will it take for my application to be processed?
Excluding card delivery, the standard processing for RCBC credit card applications takes around 10 banking days.
Final Thoughts
Now you know how to apply for a credit card from RCBC! Once you get approved, you can enjoy enhanced credit card security, avail of flexible payment options for big purchases, and earn rewards with 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 Credit Cards
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