rcbc flex visa

RCBC Bankard Flex Visa

Minimum Annual Income


(P15,000 Monthly)

Interest Rate


Annual Fee


Product Summary

rcbc flex visa

RCBC Bankard Flex Visa

Spending is definitely more rewarding with an RCBC Flex Visa credit card. Apart from earning 2x rewards points on dining, clothing, travel, or transportation spend, you also get free travel insurance with this card. Now you have a card you can flex to everyone.

  • Earn 2x rewards points on two preferred categories
  • Change your preferred categories once every billing cycle
  • Exchange your rewards points for shopping vouchers or redeem as cash rebates
  • With free travel insurance (Travel Plus Lite) and purchase protection
  • Get access to the Skyview Airport Lounge
  • Ideal for: shoppers who want financial flexibility
Existing Credit CardRequired
Landline numberRequired
Age21 to 70 years old
Minimum Annual IncomeP180,000
Annual Fee P1,500 / year
Annual Fee WaiverYes
Monthly Effective Interest Rate2%
Cash Advance Fee P500 / 3%
Minimum Amount Due P500 / 5%

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Why Choose RCBC Flex Visa?

Looking for a new credit card? It may be time to flex your financial independence with the RCBC Flex Visa card. But is this the perfect credit card for your lifestyle? Let’s find out.

2x reward points on two preferred categories

With the RCBC Flex Visa, you have the freedom to choose two spending categories you can earn rewards from. So if you’re using your credit card to pay for dinner dates or shop for your OOTD, then choose these categories to receive double the points. Here are your choices:

  • Dining
  • Clothing
  • Travel
  • Transportation

Free travel insurance of up to ₱50,000

Your RCBC Flex Visa also comes with free travel insurance so you can travel worry-free. It covers accidental death or dismemberment, trip-related inconveniences such as flight delay, misplaced or delayed baggage, and emergency trip cancellation up to 15 days per trip.

Free purchase protection insurance

Got any orders coming in from abroad? If you purchased that order with your RCBC Flex Visa, it will be covered with the card’s free purchase protection insurance. It covers the loss or accidental damage of all your items purchased overseas up to ₱50,000.

Free access to the Skyview Airport Lounge

Want a more comfortable flight? Use your RCBC Flex Visa to access the Skyview Airport Lounge at NAIA Terminal 3. Now you can just chill and wait for your delayed flight—or just arrive early and wait for your scheduled flight while hanging around the lounge.

Is RCBC Flex Visa the Right Card for You?

If you’re looking for a rewarding credit card experience, pick RCBC Flex Visa right away. But if you’re looking for credit cards with more rewards or better perks, here are some alternatives:

  • RCBC Flex Gold Visa. If earning reward points from two spending categories isn’t enough, how about three? Then go for RCBC Flex Visa’s bigger and more golden brother.
  • HSBC Red Mastercard. If the idea of 2x reward points doesn’t excite you, how about 4x reward points? That’s what you’ll get when you shop and dine using this versatile credit card.
  • Citi Rewards Card. You can also dial back the rewards with this credit card. Earn 3x non-expiring points when you use it to pay for any dining and shopping expenses.


Simple! Just use your RCBC Flex Visa credit card when spending on dining, clothing, travel or transportation categories. You’ll instantly get 2x rewards points.

In many things, really. You can exchange them for shopping vouchers, redeem as cash rebate, or use them as cash credit to your deposit account. You can also enroll in RCBC’s Air Miles program to redeem your points for free flights.

Apart from earning points, you also enjoy 0% installment on purchases abroad. Your RCBC Flex Visa also comes with an Unli Installment feature, which allows you to convert your straight purchases to installment for up to 36 months.


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