Classic Mastercard ®

The cards for the young professional enjoying financial independence.

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• Earn flexible, non-expiring Rewards Points from all your purchases which you can exchange for AIRMILES, Cash Rebates, Shopping Vouchers, Cash Credit to your RCBC Credit Card, Deposit to your RCBC deposit account, or Donation.
• Free budget monitoring tools that give you financial control and empowerment
• Free Travel Insurance (Travel Plus Lite) & Purchase Protection when you charge all your international travel-related needs to your card
• Access to PAGSS Lounge in Terminal 1&3
• Convenient and rewarding bills payment

Features & Benefits

Convert your straight purchases to installment for up to 36 months.

Get real-time SMS advisories on your credit card spending.

Pay anyone, anytime via real-time funds transfer using your RCBC Credit Card!

Keep track of all your credit card transactions.

Experience hassle-free and rewarding bills payment.

Convert your statement outstanding balance to installment.

Enjoy worry-free shopping with 0% installment for up to 36 months.

Consolidate your credit card bills in one card.

EMV Chip Technology

Enjoy the benefit of the chip technology that will help increase security and reduce fraud.

Get One-Time Password (OTP) for your online purchases.

Enjoy online shopping convenience and security.

Free Travel Insurance & Purchase Protection

Get the assurance and protection you need when travelling abroad.

Access to World-Class Airport Lounges

Relax and freshen yourself before your flight in modern & cozy lounges with complimentary snacks & beverages and convenient facilities such as free WiFi, charging, shower room & more.

0% Installment on Purchases Abroad

Convert all your purchases abroad to installment!

Bonus Travel Limit

Get the spending power you need during your travel.

Get instant access to cash anywhere in the world.

Earn Rewards Points that you can redeem in so many ways.

Fly for free to your dream destination sooner.

Take the extra cash you need for your future plans.

Get cash on top of your available credit limit!

How to Apply

1. Choose a Card

Choose the right RCBC Credit Card for you.

2. Apply Online

Accomplish the online application form, submit documentary requirements and digitally verify yourself.

3. Verification

We’ll get in touch with you to verify some information on your application.

4. Card Delivery

You can also apply at any RCBC branch or RCBC Credit Card sales booths.

• You must be 18-65 years old to qualify as a Principal Cardholder.
• You must be 13-65 years old to qualify as a Supplementary Cardholder.
• You must have a mobile number and landline in your place of work.

Requirements for Employees

• Latest Income Tax Return and/or W2 with BIR or Bank Stamp
• Latest payslip stating monthly salary
• Original Certificate of Employment (COE) with annual income details and signed by authorized Human Resources Group signatory. COE must not be more than six (6) months old
• Latest bank statement showing the salary credit for the month

• Latest Audited Financial Statement (AFS) with BIR or Bank Stamp and latest Income Tax Return (ITR) and/or W2 with BIR or Bank Stamp
• Latest bank statement showing cash credits/sales receipt for the month

*Processing of credit card applications may take from 10 to 15 banking days