Why Choose RCBC InstaCard?

A Savings Deposit account with 100% approved credit card regardless of your past credit history
Credit Limit assignment shall be 95% of hold-out deposit
Membership Fee is free for the first 12 months and lower than usual for succeeding months.
Determine the credit limit you want

Features & Benefits

Budget Management

Enhanced Security

Travel

Rewards

Get Cash

How to Apply

Choose the right RCBC Credit Card for you.
Go to your nearest RCBC branch to open an InstaCard account. Applicants shall be required to open a Savings Deposit account in any RCBC Branch following the required initial deposit and maintaining balance.
Accomplish and submit the following required documents:

Applicant must be at least 21 years old.
Applications for InstaCard will only be processed if the Applicant does not have a delinquent RCBC Credit Card account.
A minimum hold-out deposit amount of P10,000/US$2,000 is required.
The Deposit amount indicated by the client for InstaCard application shall be put on hold and shall be subject to the following:

The Deposit account number and amount specified in the Deed of Assignment and on the application form shall serve as the security collateral and credit limit for the card.
Credit Limit assignment shall be 95% of hold-out deposit.
The hold-out amount shall be in effect until 60 days after the request for cancellation and until confirmed by RCBC Credit Cards.
If credit card is cancelled, hold-out on the deposit can only be released after 60 days to allow posting of late billings.

Membership Fee is free for the first 12 months and lower than usual for succeeding months.

Card Type	Principal Membership Fee	Supplementary Membership Fee
Classic Mastercard & JCB	P60/month	P30/month
Gold Mastercard & JCB	P100/month	P50/month
Flex Visa	P60/month	P30/month
Flex Gold Visa	P100/month	P50/month
Black Platinum Mastercard (Peso)	P150/month	P75/month
Black Platinum Mastercard (Dollar)	US$5/month	Waived
JCB Platinum	P150/month	Waived
Visa Platinum	P150/month	P75/month
World Mastercard	P150/month	Free up to 3; in excess P75/month
Visa Infinite	P100/month	Free up to 3; in excess P75/month
Unionpay Diamond	P150/month	Free up to 3; in excess P75/month
Co-Brand Cards: Landmark Anson's, MANGO, LJC, Wilcon, Sta. Lucia Mall, Phoenix, AirAsia	P60/month	P30/month