How to Apply for a Credit Card in RCBC: Online and In-Branch 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 more about RCBC credit cards and learn how to apply for a credit card in RCBC in this guide. 

How to Apply for a Credit Card in RCBC: Online Application Steps

1. Check Your RCBC Credit Card Eligibility 

The first step in how to apply for a credit card in RCBC is checking your eligibility. RCBC principal cardholders should be 21 to 65 years old while supplementary cardholders should be 13 to 65 years old. Applicants also need a mobile number and a work landline.

2. Prepare the RCBC Credit Card Requirements 

If you’re employed, here are the RCBC credit card application requirements you need to prepare: 

• 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 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 
• One 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 the features you're looking for in a credit card. Here are just some of them:

💳 Classic Cards

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

RCBC Classic Card

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

💳 Gold Cards

RCBC Flex Gold Visa

• 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: ₱50,000
• Ideal for: Cardholders who prioritize premium rewards and benefits 

RCBC Gold Mastercard

• Annual fee: ₱3,000
• Key feature: Reward points for as low as ₱36 per spend, free travel insurance and purchase protection for every travel
• Minimum monthly income: ₱50,000
• Ideal for: High-income earners 

💳 Co-Branded Cards

RCBC Landmark Anson's Mastercard

• Annual fee: ₱960
• Key feature: 5% rebate on straight purchases every weekday at Landmark and Anson’s, one reward point for every ₱50 spend at Landmark and Anson’s
• Minimum monthly income: ₱15,000
• Ideal for: Frequent shoppers at Landmark and Anson’s stores

AirAsia RCBC Credit Card

• Annual fee: ₱3,600
• Key feature: Free 8,000 AirAsia BIG points when you spend ₱20,000 within 60 days of issuance, two AirAsia BIG points for every ₱25 AirAsia spend, access to airport lounges, other travel perks 
• Minimum monthly income: ₱20,833
• Ideal for: Frequent travelers

RCBC Phoenix Mastercard

• Annual fee: ₱1,800
• Key feature: 5% rebate on fuel purchases at participating Phoenix gas stations, up to three free towing and emergency assistance per year
• Minimum monthly income: ₱15,000
• Ideal for: Car owners

RCBC Mango Mastercard

• Annual fee: ₱1,200
• Key feature: 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

RCBC YGC Rewards Plus Platinum Mastercard

• Annual fee: ₱3,600
• Key feature: Points for every RCBC bank deposit or Malayan insurance payment, one reward point for as low as ₱36 per spend, exclusive travel perks when you travel overseas, access to free budgeting tools to help track your finances
• Minimum monthly income: ₱19,167 
• Ideal for: Money-savvy cardholders

RCBC ZALORA Credit Card

• Annual fee: ₱4,000
• Key feature: Up to 6% cash back on online ZALORA purchases, one reward point for every ₱50 spend, unlimited free shipping via ZNOW
• Minimum monthly income: ₱25,000 
• Ideal for: Shoppers who frequent ZALORA

💳 Premium Cards

RCBC Black Platinum Mastercard

• Annual fee: ₱3,600
• Key feature: Non-expiring reward points, free travel insurance of up to ₱1,000,000, free purchase protection up to ₱50,000, free access to Marhaba/Skyview Lounge at NAIA Terminal 3
• Minimum monthly income: ₱100,000 
• Ideal for: Frequent travelers who enjoy premium perks

RCBC Visa Platinum

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

RCBC Visa Infinite

• Annual fee: ₱6,000
• Features: Flexible, non-expiring rewards and 5% rebate on straight-charge purchases at local and international clothing retail shops   
• Minimum monthly income: ₱300,000
• Ideal for: Cardholders looking for a premium lifestyle credit card

RCBC Diamond Card Platinum Mastercard

• Annual fee: ₱2,500
• Features: Automatically donate ₱0.10 for every ₱100 spend, one reward point for as low as ₱36 per spend, free travel insurance up to ₱1 million for every trip
• Minimum monthly income: ₱100,000
• Ideal for: Cardholders who want to give back

RCBC World Mastercard

• Annual fee: ₱3,600
• Features: Reward points for as low as ₱36 per spend, exclusive deals with Mastercard Moments, free travel insurance and purchase protection
• Minimum monthly income: ₱300,000
• Ideal for: Frequent shoppers and travelers

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

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 on preparing 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 Submit. If you want to continue your application at a later time, click Save for Later. 

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, 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 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 in RCBC: Branch Application Steps

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 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, you may 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 application or 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 10-15 banking days. 

Final Thoughts

Now that you know how to apply for a credit card in RCBC, you need to learn how to 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 Credit Cards