If you are a big traveller and a big spender, you might just find a new ally in the RCBC Bankard Gold Card. This RCBC card gives you free travel protection for your journeys across the globe. And while you’re on those journeys you get exclusive access to airport lounges so you’re not just travelling, but rather travelling while enjoying your best life.
In addition to the travel perks, the Gold Card has a great rewards program that gives you points on the money you spend. That essentially means you get paid for spending which is a pretty hand perk if you love getting purchasey. Of course rewards and perks aren’t the only reason why you might want a credit card, you actually might genuinely be in a tight financial situation and need some temporary assistant. Just remember that there hundreds of credit cards out there and each of them have their advantages and disadvantages when weighed out against your personal situation.
That is why it is so important to make sure you are clear about what you hope to get from your credit card. If you’re financially-strapped, you’re going to want to look into interest rates and late fees; rewards and such should be a bonus element. Our editors have explored the benefits as well as the fees associated with using this card. You can read all of the information below before you make a decision on whether or the RCBC Bankard Gold Credit Card is for you.
What are the Benefits of an RCBC Bankard Gold Credit Card?
Bringing a lot of cash with you on your travels abroad can be stressful. The solution to that is getting a safe credit card you can use everywhere. The RCBC Bankard offers worry-free shopping abroad, great deals, and non-expiring points that you can earn to get the best deals.
The RCBC Bankard Gold Credit Card also offers a better way to control and monitor your spending. You can use unlimited installments in which you can convert your straight purchases to installations for up to 36 months. If you’re on the go, you will be able to get real-time SMS advisories to keep track of your credit spending for a particular week or month. Seeing a list of all your credit card transactions is also convenient through the bank’s spend analyzer.
The RBC Bankard is accepted in in millions of establishments around the world. You can convert all your RCBC Bankard purchases abroad to installments without an extra change. You will also have access to World-Class airport lounges with free travel insurance and purchase protection anywhere you go – domestically and internationally.
What are the Fees of the RCBC Bankard Gold Card?
If you’re aiming for a hassle-free shopping, dining, and travel experience without the hidden fees that come with it, then the RCBC Bankard Gold Card is for you. But there are definitely fees you will have to pay if you are going to use this card. There is no such thing as borrowing money for free, wherever you get it.
So let’s take a look at a quick breakdown of what you should expect to pay if you want to use this intenationally-accepted credit card.
- Annual Fee – PHP 3,000/year, First Year waived
- Monthly Interest Rate – 3.50%
- Cash Advance Fee – PHP 500 or 3% of cash amount availed
- Late Payment Fee – PHP 400
- Over Limit Fee – PHP 500
- Balance Transfer Processing Fee – PHP 100
How to Apply for the RCBC Bankard Gold Credit Card
To be eligible to own an RCBC Bankard Gold Card, you must be at least 21-65 years old to qualify. For a faster and hassle-free application, you can visit the RCBC website and complete your application online. Regardless of whether you complete your application on line or at a physical RCBC branch, you will need identity-verification documents.
Those documents could include passport, driver’s license, birth certificate and more. Make sure you’ve prepped everything before starting your application. If your application has been approved, your credit limit will be determined based on a number of factors, like your credit history, current income, as well as your expenses.
This card is internationally accepted in millions of establishments all around the world, and paying is as easy through installments. If your application is accepted you will be given access to exclusive deals and access to thousands of world-class airport lounges, making sure that you are well taken care of before your flight.
RCBC Bank Address and Contact Information
RCBC’s Corporate office is located at Yuchengco Tower, RCBC Plaza 6819 Ayala Avenue, Makati City 0727.
Contact the bank with their customer service line: (02) 888-1888
Note: There are risks involved when applying for and using a credit card. Please see the bank’s Terms and Conditions page for more information