RCBC Bankard Gold Card – How to Apply


Bringing a lot of cash with you on your travels abroad can be stressful at times. The solution for this is getting a credit card that offers worry-free shopping, great deals, and non-expiring points that you can earn to get the best deals.

Some amazing perks that you might have dreamed of can be found in the RCBC Bankard Gold Credit Card – an ideal choice for those who want more in their travel and shopping experience.


Read on as we give you more details about this credit card, how you can apply, and the benefits that come with it.

RCBC Bankard Gold Credit Card
RCBC Bankard Gold Credit Card. Image source: Image source: rcbcbankard.com.

RCBC Bankard Gold Credit Card Features and Benefits

The RCBC Bankard Gold Credit Card offers a better way to control and monitor your spending. You can avail 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.


You are sure to be worry-free if you’re a cardholder, as it is internationally accepted in millions of establishments anywhere in the world.

You can convert all your RCBC Bankard purchases abroad to installments without the extra change. You will also have access to World-Class airport lounges with free travel insurance and purchase protection anywhere you go.

Eligibility & 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.

Once 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.

RCBC Bankard Gold Card Interest Rates, APR and Charges

  • 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

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


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. This card is internationally accepted in millions of establishments all around the world, and paying is as easy through installments.

It is also the ideal credit card to have if you want to avail exclusive deals and access to thousands of world-class airport lounges, making sure that you are well taken care of before your flight. You don’t need to pay extra on travel insurance, as cardholders are also offered travel insurance for both domestic and international flights. If you are interested in getting this card, you may visit your nearest RCBC Bank branch, or you can apply on their website to start your application process today.

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