rcbc flex gold visa

RCBC Bankard Flex Gold Visa

Minimum Annual Income

P600,000

(P50,000 Monthly)

Interest Rate

2%

Annual Fee

P3,000

Product Summary

rcbc flex gold visa

RCBC Bankard Flex Gold Visa

Earn points faster when you spend with an RCBC Flex Gold Visa credit card. Get 2x rewards points on three preferred categories: grocery, gas, travel, department store, or household appliances. What can we say, #adulting is definitely better with this card!

  • Earn 2x rewards points on three 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: millennials who are leveling up in life
Existing Credit CardRequired
Landline numberRequired
Age21 to 70 years old
Minimum Annual IncomeP600,000
Annual Fee P3,000 / year
Annual Fee WaiverYes
Monthly Effective Interest Rate2%
Cash Advance Fee P500 / 3%
Minimum Amount Due P500 / 5%

Is this the right product for you?

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Why Choose RCBC Flex Gold Visa?

Looking for a rewarding credit card experience? It’s time to flex your financial independence with the RCBC Flex Gold Visa. But is this card the right choice for you? Let’s find out.

2x reward points on three preferred categories

With the RCBC Flex Gold Visa, you get to choose the spending categories you can earn rewards from. In fact, you can choose three! So if you drive every day, frequent grocery stores for your essentials, or book flights every now and then, you’ll enjoy 2x reward points from any of these spend categories:

  • Grocery
  • Gas
  • Travel
  • Department Store
  • Home Appliances

Free travel insurance of up to ₱50,000

Speaking of travel, your RCBC Flex Gold Visa also comes with free travel insurance up to ₱50,000. This covers accidental death or dismemberment, trip inconveniences like flight delays, misplaced or delayed baggage, and emergency trip cancellations up to 15 days per trip.

Free purchase protection insurance

Your orders from abroad are also safe when you purchased them using your RCBC Flex Gold Visa. This is because every overseas purchase comes with free protection insurance that covers the loss or accidental damage of your purchased items up to ₱50,000.

Free access to the Skyview Airport Lounge

Tired of having an uncomfortable flight experience? Use your RCBC Flex Gold Visa to access the Skyview Airport Lounge at NAIA Terminal 3. Whether you’re waiting for your scheduled or delayed flight, you can just chill and wait comfortably in a world-class lounge.


Is RCBC Flex Gold Visa the Right Card for You?

Love the freedom to choose your rewards? Then the RCBC Flex Gold Visa is a must-have! But if you’re looking for more reward opportunities on your credit card, here are some great alternatives:

  • Citi Rewards Card. Love shopping and dining using your credit card? Then this credit card earns you 3x non-expiring reward points for any shopping and dining-related purchases.
  • UnionBank Lazada Credit Card. Maybe you’re more into online shopping? If your online shopping app of choice is Lazada, use this credit card and the ₱5,000 Lazada credits that come with it.
  • HSBC Red Mastercard. Want more points for every purchase? How about 4x reward points? Use this credit card for shopping, dining, online, and overseas transactions—no need to choose from any of them.

FAQ

Just use your RCBC Flex Gold Visa credit card when spending on any of the three categories: grocery, gas, travel, department store, or household appliances. The choice is yours!

Travelers who love to shop can enjoy 0% installment on purchases made abroad. Apart from this, the RCBC Flex Gold Visa comes with an Unli Installment feature, which allows you to convert your straight purchases to installment for up to 36 months.

Don’t fret! You can exchange your rewards points 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.

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