New Year, New Credit Card:
How to Apply for an RCBC Credit Card in 2025

The new year is the perfect time to set fresh financial goals, like managing your expenses better, enjoying exclusive rewards, or building your credit history. However, with the myriad of credit cards available, finding one that meets your needs can feel overwhelming. Chances are, you'll need a card that can do it all.

If an RCBC Credit Card has been on your radar, 2025 is the year to make it happen. Now, with a simplified application process, getting the card that matches your goals has never been easier. We're here to guide you every step of the way.

Ready to learn how? Let's start by walking you through how to get an RCBC Credit Card.

How to Apply for an RCBC Credit Card in 2025

Getting an RCBC Credit Card in 2025 is simpler than ever, with a streamlined application process designed to make it easier for you to access various financial products. Let's walk through the process, from eligibility requirements to completing your application.

1. Check your eligibility
   
   The first step in applying for an RCBC Credit Card is to ensure eligibility. You must:

• Be at least 18 years old.
• Have a gross annual income of at least ₱250,000.

If you're interested in premium credit cards, income requirements may vary depending on the card type.

Also, disclose any credit cards you already have to speed up the evaluation process. On the other hand, if this is your first card, proof of income or certificate of employment helps determine your creditworthiness. It can also show your ability to manage the responsibility of owning a credit card.

Proof of income may be any of the following:

1. Latest Income Tax Return and/or W2 with BIR or Bank Stamp
2. Latest payslip stating the monthly salary
3. Original Certificate of Employment (COE) with annual income details signed by an authorized Human Resources Group personnel. COE must not be more than 6 (six) months old.
4. Latest Audited Financial Statement with BIR or Bank stamp and photocopy of Income Tax Return and/or W2 with BIR or Bank Stamp (for self-employed applicants)

2. Determine your card of choice
   
   RCBC offers various credit cards tailored to different needs, so select one that best suits your financial goals. They also feature a ton of options as far as credit network is concerned, providing access to Visa, Mastercard, JCB, and UnionPay options, each with distinct benefits and features.
   
   Some cards are for everyday spending, while others provide rewards, exclusive perks, enhanced security features or exclusive offers for frequent travelers.
   
   For example, if you want to earn miles to travel more, the RCBC Visa Platinum Credit Card is an excellent choice. With its Preferred AirMiles program, you can earn free flights faster—1 mile for every Php25 spent overseas and 1 mile for every Php48 spent locally. It also comes with travel perks like free Priority Pass membership, access to airport lounges, and travel insurance coverage up to ₱5 million.Review the different RCBC Credit Card options available and consider what fits your lifestyle best.
3. Apply online or in-branch
   
   With everything in order, you can proceed with your application. RCBC offers two options:

• Online application via website: You can visit the RCBC Credit Card application page to complete your submission. Before proceeding, prepare to provide your personal information, a photo of your valid ID and take a selfie to complete your application. Here’s a list of accepted valid IDs: Driver's License, Passport, Philpost ID, PRC ID, SSS, TIN, UMID, Visa/Residence, Voter's ID, and Philsys.
• In-person application at one of their branches: If you prefer a face-to-face application, visit your nearest RCBC branch. Our branch staff will help you with the process and check that you have all the requirements to process your application. In addition, RCBC credit card application booths are conveniently located in malls, office buildings, supermarkets, and other high-traffic areas. These booths offer the same level of assistance as branch applications, providing you with a hassle-free experience.
  
  For those interested in pairing their credit card with a savings account, Hexagon membership is also available, offering added convenience and benefits.

4. Complete the application
   
   Upon submitting your application, RCBC Credit may request additional documents or clearer photos of your IDs and selfies. The extra documentation ensures accurate information and that every detail matches your records and requirements.
   
   If the primary ID you provided doesn't reflect your current address, you'll need to provide a recent utility bill or bank statement. RCBC will process your application once all documents are verifies.
5. Wait for the results
   
   Now, you may have the question, "How can I check my RCBC credit card application status?" It's fairly simple. Once your application is complete, it typically takes a minimum of 10 banking days for RCBC to process it. RCBC will then review your financial details and determine your eligibility for the credit card.
   
   You can email email@service.rcbcbankard.com to track the status of your application.
   
   If your application is approved, you'll receive an SMS notification with the approval message and the approximate timeline for your RCBC Credit Card to be delivered. Once you have your card, you can conveniently tap, dip, and use it for online shopping to enjoy a seamless and versatile payment experience.

Step Into 2025 with Confidence

With 2025 approaching, now's the perfect time to make smarter financial decisions. RCBC Credit Cards are designed to help you increase your credit score, manage your finances, earn rewards, enjoy exclusive perks, and make the most out of your swiping experience.

You can easily access the benefits that fit your needs with our streamlined application process. Take charge of your financial future and apply for your RCBC Credit Card today!