Why Choose an RCBC Gold Credit Card?

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 the Marhaba/Skyview Airport Lounge
Convenient and rewarding utility bills payment

Features & Benefits

Budget Management

Budget Management

Unli Installment

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

Spend Monitor

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

Spend Analyzer

Keep track of all your credit card transactions.

Fast BillsPay

Experience hassle-free and rewarding bills payment.

Balance Conversion

Convert your statement outstanding balance to installment.

Easyterms

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

Balance Transfer

Consolidate your credit card bills in one card.

UnliPay

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

Enhanced Security

EMV Chip Technology

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

Shop Secure

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

Web Shopper

Enjoy online shopping convenience and security.

Credit Protect Plus

Protect your financial commitments from unforeseen life events.

Mastercard® Automatic Billing Updater

Keeps your card information updated for automatic payments whenever you are issued a new card.

Travel

Free Travel Insurance & Purchase Protection

Get the assurance and protection you need when travelling abroad.

Access to World-Class Airport Lounges

Enjoy the comfort and luxury of world- class airport lounges while waiting for your flight.

0% Installment on Purchases Abroad

Convert all your purchases abroad to installment!

Bonus Travel Limit

Get the spending power you need during your travel.

International Acceptance

Get instant access to cash anywhere in the world.

Rewards

Rewards Points

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

Airmiles

Fly for free to your dream destination sooner.

Get Cash

Cash Loan

Take the extra cash you need for your future plans.

YourCash!

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 will get a notification once your card is on its way to you!

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

You must be 21-65 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

Completely filled-out and signed application form
A copy of one (1) valid ID with photo and signature (i.e. UMID, Passport, Driver's License)
A copy of any proof of income:
For Employed

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

For Self-Employed, Proprietor, or Businessman

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