Credit Cards by RCBC

If you think you can’t find a credit card related to your interests, think again. RCBC credit cards have more than enough options for you to choose from, even including obscure features and partner brands. 

For perks, auto donations to charities while using your card and access to innovative financial management tools to help balance your daily budget are available. For partner brands, there are lots to choose from, including establishments like Sta. Lucia Mall and Zalora. 

Accelerated reward points, rebates, air miles, installment plans, and other popular features are still included, depending on your card of choice. Read on below for more features from RCBC credit cards: 

• No Annual Fee on the First Year - Want to familiarize yourself with your credit card’s features without thinking of your card bills? RCBC credit cards give you ample time to get to know your credit card without thinking of pesky fees by scrapping the annual fees on your first year.

• Flexible and Accelerated Reward Points - Earn your rewards your way with RCBC rewards. Expect accelerated reward points and a flexible rewards program from RCBC credit cards like the RCBC Flex Visa and the RCBC Flex Gold Visa with their 2x reward points for up to three categories of your choice. Want to change your categories? No problem! You can modify your choice after every billing cycle.

• Convert Straight Purchases to Installment - RCBC credit cards help you stretch your budget to buy high-ticket purchases through their installment plans. Convert your straight purchases anywhere in the world to installment plans as many times as you want and pay up to 36 months with a minimal interest rate. If you don’t like the added interest rate, try UNLI 0%, an installment plan with 0% interest payable in 3 months. 

• Unique Credit Cards - With RCBC’s vast number of credit cards, you’re bound to encounter one unique card or two that fit your lifestyle. Here are a couple of perks to expect: 
  • Automatic donation to a charity of your choice whenever you swipe  
  • Earn reward points for your Malayan insurance payments
  • Earn more reward points when you use your card in Japan and China
  • Exclusive perks and freebies from partner establishments

• Multiple Co-Branded Cards - If you prefer co-branded credit cards, you’ll have more than enough options with RCBC’s catalog. RCBC co-branded cards have partnerships with malls, gas stations, airlines, and retail stores both online and in-store. 

• Budget Management Tools - Budgeting takes time and can be tedious, so adding a credit card might mean additional work for your budget. RCBC credit cards will automate your credit card budgeting with its easy finance management tools:
  • Spend Monitor - real-time SMS on both your spending and your supplementary cardholders 
  • Spend Analyzer - a one-shot glance of your card transactions in categories that  eliminates manual budgeting and serves as a guide for your budget next month

Employed and self-employed Filipinos residing in the Philippines can apply for any RCBC credit card as long as they fit the following criteria:

• Must be at least 21-65 years old
• Must be a Filipino with local residence
• Must have an active mobile number and office landline

You only need a few documents to apply and get approved for an RCBC credit card. Documents differ depending on your employment status as seen below:

RCBC Credit Card Requirements for Employed:

• 1 valid ID (SSS, TIN, Passport, Driver’s License, Company ID)
• Any of the following:
  • Latest ITR and/or W2 with BIR or Bank Stamp
  • Original Certificate of Employment in the last 6 months signed by authorized HR and includes your annual income details 
  • Latest payslip with your monthly salary
  • Latest bank statement showing the current month’s salary credit 

RCBC Credit Card Requirements for Self-Employed or Entrepreneurs:

• 1 valid ID (SSS, TIN, Passport, Driver’s License, Company ID)
• Latest ITR and/or W2 with BIR or Bank Stamp
• Latest Audited Financial Statement (AFS) duly stamped as received by the BIR
• Latest bank statement with your cash credits/sales receipt for the month